{"id":10789,"date":"2023-03-24T10:26:43","date_gmt":"2023-03-24T09:26:43","guid":{"rendered":"https:\/\/2025.podjetniskisklad.si\/p1-plus-2023-guarantees-for-bank-loans-with-interest-rate-subsidy\/"},"modified":"2026-01-05T11:00:46","modified_gmt":"2026-01-05T10:00:46","slug":"p1-plus-2023-guarantees-for-bank-loans-with-interest-rate-subsidy","status":"publish","type":"post","link":"https:\/\/www.podjetniskisklad.si\/en\/p1-plus-2023-guarantees-for-bank-loans-with-interest-rate-subsidy\/","title":{"rendered":"P1 plus 2023 | Guarantees for bank loans with interest rate subsidy"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1331.2px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);--awb-margin-top:50px;\" id=\"informacije\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:var(--awb-typography1-line-height);\">Purpose of the call<\/h2><\/div><div class=\"fusion-text fusion-text-1\"><p>The purpose of P1 plus 2023 is to provide favorable financing for SMEs, thereby enabling faster, easier, and, above all, more affordable access to bank loans for SMEs.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);--awb-margin-top:50px;\" id=\"informacije\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:var(--awb-typography1-line-height);\">Deadlines for submitting applications<\/h2><\/div><div class=\"fusion-text fusion-text-2\"><p>April 15, May 5, May 25, June 15, July 5, September 1, September 15, October 1, and October 15, 2023.<\/p>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:24px;margin-bottom:24px;width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#bdd9ed;border-color:#bdd9ed;border-top-width:1px;\"><\/div><\/div><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"--awb-text-color:var(--awb-custom_color_3);--awb-font-size:40px;\" id=\"dokumentacija\"><h1 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:40;line-height:1.2;\">Information for entrepreneurs<\/h1><\/div><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);\" id=\"razpisdokumentacija\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:var(--awb-typography1-line-height);\">1. Tender and documentation<\/h2><\/div><div class=\"fusion-text fusion-text-3\" id=\"razmiki\"><p>Publication of the public tender in Ur. l. RS No. 34\/2023 of March 24, 2023:  <\/p>\n<ul>\n<li><a href=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2023\/03\/P1-plus-2023-JAVNI-RAZPIS.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Public tender P1 plus 2023<\/a><\/li>\n<li><a href=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2023\/03\/P1-plus-2023-RAZPISNA-DOKUMENTACIJA.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Tender documentation P1 plus 2023<\/a><\/li>\n<li><a href=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2023\/03\/PP-za-P1-plus-2023-splet-24.3.23.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Special conditions<\/a><\/li>\n<li><a href=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2023\/03\/Seznam-sodelujocih-bank-P1-plus-2023.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">List of participating banks<\/a><\/li>\n<\/ul>\n<\/div><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);\" id=\"razpisdokumentacija\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:var(--awb-typography1-line-height);\">2. Application preparation<\/h2><\/div><div class=\"fusion-text fusion-text-4\"><ul>\n<li>\n<div><a href=\"https:\/\/eportal.podjetniskisklad.si\/prijava\" target=\"_blank\" rel=\"noopener noreferrer\">Application form P1 plus 2023 &#8211; ePortal<\/a><\/div>\n<ul>\n<li>If the applicant opts for professional assistance, they can add an authorized representative for the preparation and submission of the application during the registration of their company or later. The applicant can only appoint an authorized representative if they are also registered on the Fund&#8217;s ePortal. <\/li>\n<\/ul>\n<\/li>\n<li>\n<div><a href=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2022\/05\/Poslovni-nart-1_P1plus.doc\" target=\"_blank\" rel=\"noopener noreferrer\">Business\/presentation plan<\/a><\/div>\n<ul>\n<li>For application to the credit guarantee line A.1., A.2. or A.3., a <a href=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2022\/05\/Poslovni-nart-1_P1plus.doc\" target=\"_blank\" rel=\"noopener noreferrer\">BUSINESS PLAN<\/a> must be prepared.  <\/li>\n<\/ul>\n<\/li>\n<li>\n<div><strong>Financial annex<\/strong><\/div>\n<ul>\n<li><strong><a href=\"https:\/\/www.podjetniskisklad.si\/en\/help\/tool-for-preparing-a-business-and-depreciation-plan\/\" target=\"_blank\" rel=\"noopener noreferrer\">For companies<\/a><\/strong> (guidance: after clicking on the link &#8220;<a href=\"https:\/\/www.podjetniskisklad.si\/pomoc\/pripomocki-za-pripravo-vloge\/pripomocek-za-pripravo-poslovnega-nacrta\/poslovni-nacrt-za-gospodarske-druzbe\/\" target=\"_blank\" rel=\"noopener noreferrer\">For companies<\/a>&#8221; (<strong>consider the financial annex 2021<\/strong>). The process of preparing the financial annex with the financial annex document) <\/li>\n<li><strong><a href=\"https:\/\/www.podjetniskisklad.si\/pomoc\/pripomocki-za-pripravo-vloge\/pripomocek-za-pripravo-poslovnega-nacrta\/poslovni-nacrt-za-samostojne-podjetnike\/\" target=\"_blank\" rel=\"noopener noreferrer\">For sole proprietors<\/a><\/strong> (guidance: after clicking on the link &#8220;<a href=\"https:\/\/www.podjetniskisklad.si\/pomoc\/pripomocki-za-pripravo-vloge\/pripomocek-za-pripravo-poslovnega-nacrta\/poslovni-nacrt-za-samostojne-podjetnike\/\" target=\"_blank\" rel=\"noopener noreferrer\">For sole proprietors<\/a>&#8221; (consider the financial annex 2021). The process of preparing the financial annex with the financial annex document) <\/li>\n<\/ul>\n<\/li>\n<li>\n<div><strong>Balance sheets\/credit rating<\/strong><\/div>\n<ul>\n<li>Annual report for 2021 or 2022 (balance sheet, profit and loss statement, and statement of balance sheet profit\/loss), submitted to Ajpes, on unified forms for state statistics; <\/li>\n<li>S-BON-1 (Ajpes) for the year 2021 (for application deadlines April 15 and May 5, 2023), for the year 2022 (application deadlines from May 25, 2023 onwards)<\/li>\n<li>For companies established in 2023: BON-2 (Ajpes) and accounting statements from the date of establishment of the company to the last day of the previous month, depending on the month of submission of the application to the Fund.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Bank decision on the approval of the loan, secured by the Fund&#8217;s guarantee<\/strong> (the applicant obtains it from the commercial bank).<\/li>\n<li><strong>Valuation of the property<\/strong> &#8211; if the applicant&#8217;s project relates to the purchase of business premises, it is necessary to enclose a valuation of the property by an authorized contractor, prepared at least in 2022.<\/li>\n<\/ul>\n<\/div><div class=\"fusion-title title fusion-title-6 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);\" id=\"razpisdokumentacija\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:var(--awb-typography1-line-height);\">3. Information<\/h2><\/div><div class=\"fusion-text fusion-text-5\"><ul>\n<li>Bojana Mikeln (02) 234 12 74<\/li>\n<li>Boris Ritlop (02) 234 12 88<\/li>\n<li>Jasna Kepnik (02) 234 12 42<\/li>\n<li>mag. Bo\u0161tjan Vidovi\u010d (02) 234 12 64 or by e-mail <a href=\"mailto:bostjan.vidovic@podjetniskisklad.si\">bostjan.vidovic@podjetniskisklad.si<\/a> <\/li>\n<\/ul>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:24px;margin-bottom:24px;width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#bdd9ed;border-color:#bdd9ed;border-top-width:1px;\"><\/div><\/div><div class=\"fusion-title title fusion-title-7 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"--awb-text-color:var(--awb-custom_color_3);--awb-font-size:40px;\" id=\"informacije-za-bancnike\"><h1 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:40;line-height:1.2;\">Information for bankers<\/h1><\/div><div class=\"fusion-title title fusion-title-8 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:var(--awb-typography1-line-height);\">1. Information for bankers for the P1 plus 2023 tender<\/h2><\/div><div class=\"fusion-text fusion-text-6\" id=\"razmiki\"><ul>\n<li><a href=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2023\/03\/Navodila-glede-crpanja-kreditov.docx\" target=\"_blank\" rel=\"noopener noreferrer\">Instructions regarding the drawing of loans<\/a><\/li>\n<li><a href=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2023\/03\/Povzetek-aktivnosti-za-uspesno-realizacijo.docx\" target=\"_blank\" rel=\"noopener noreferrer\">Summary of activities for successful implementation<\/a><\/li>\n<li><a href=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2023\/03\/Vzorec-Sklepa-o-odobritvi-kredita.docx\" target=\"_blank\" rel=\"noopener noreferrer\">Sample Loan Approval Decision<\/a><\/li>\n<li><a href=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2023\/03\/Priloga-k-racunu-za-Sklad.docx\" target=\"_blank\" rel=\"noopener noreferrer\">Attachment to the invoice for the Fund<\/a> &#8211; the attachment must be sent by e-mail to Petra Kujavec, <a href=\"mailto:Petra.Kujavec@podjetniskisklad.si\">Petra.Kujavec@podjetniskisklad.si<\/a><\/li>\n<li><a href=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2023\/03\/Obrazec-za-koriscenje-kredita.docx\" target=\"_blank\" rel=\"noopener noreferrer\">Loan disbursement form<\/a> &#8211; The report must be sent via e-mail to Petra Kujavec, Petra.Kujavec@podjetniskisklad.si<\/li>\n<li><a href=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2022\/05\/Poroilo-o-stanju-kreditov.docx\" target=\"_blank\" rel=\"noopener noreferrer\">Report on the status of loans<\/a> &#8211; The report must be sent via e-mail to Petra Kujavec, Petra.Kujavec@podjetniskisklad.si<\/li>\n<li><a href=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2023\/03\/Kontrola-namenskega-koriscenja-kredita.xlsx\" target=\"_blank\" rel=\"noopener noreferrer\">Control of the intended use of loans<\/a><\/li>\n<\/ul>\n<\/div><div class=\"fusion-title title fusion-title-9 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:var(--awb-typography1-line-height);\">2. Contact persons of the SPS<\/h2><\/div><div class=\"fusion-text fusion-text-7\"><ul>\n<li>Bojana Mikeln (02) 234 12 74<\/li>\n<li>Aleksandra Kranjc Premec (02) 234 12 76<\/li>\n<li>Petra Kujavec (02) 234 12 66<\/li>\n<\/ul>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:24px;margin-bottom:24px;width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#bdd9ed;border-color:#bdd9ed;border-top-width:1px;\"><\/div><\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"--awb-min-height:no;--awb-min-height-medium:no;--awb-min-height-small:no;width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-0 fusion_builder_column_inner_1_3 1_3 fusion-flex-column fusion-flex-align-self-stretch\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-row\"><div class=\"fusion-image-element \" style=\"text-align:center;--awb-max-width:150px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"1280\" height=\"854\" alt=\"EU logo\" title=\"Flag_of_Europe.svg\" src=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2026\/01\/Flag_of_Europe.svg.webp\" data-orig-src=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2026\/01\/Flag_of_Europe.svg.webp\" class=\"lazyload img-responsive wp-image-10791\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271280%27%20height%3D%27854%27%20viewBox%3D%270%200%201280%20854%27%3E%3Crect%20width%3D%271280%27%20height%3D%27854%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2026\/01\/Flag_of_Europe.svg-200x133.webp 200w, https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2026\/01\/Flag_of_Europe.svg-400x267.webp 400w, https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2026\/01\/Flag_of_Europe.svg-600x400.webp 600w, https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2026\/01\/Flag_of_Europe.svg-800x534.webp 800w, https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2026\/01\/Flag_of_Europe.svg-1200x801.webp 1200w, https:\/\/www.podjetniskisklad.si\/wp-content\/uploads\/2026\/01\/Flag_of_Europe.svg.webp 1280w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 800px) 100vw, 400px\" \/><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":10979,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[153,148],"tags":[],"class_list":["post-10789","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-public-tenders","category-public-tenders-and-calls"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>P1 plus 2023 | Guarantees for bank loans with interest rate subsidy - SEF<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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