INNOVATION LOAN
If you have a ground-breaking and disruptive project, this loan is right for you
Turn your ground-breaking idea into a real project
MicroBank believes in the power of your ideas to change the world. This is why we make it easy for you: with the support of one of CaixaBank's collaborating institutions, you can finance the most disruptive business projects.
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I have a ground-breaking business idea
I need funding to start up a business.
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Choose a mentor and create your business plan
Choose one of our collaborating institutions located throughout Spain. The institution will help you to draw up a business plan and a feasibility report, both of which are mandatory for the application.
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Fill in the form by clicking on “Start your application”.
Our teams at CaixaBank, specialised in contracting and telephone support, will contact you to inform you of the next steps.
Choose your mentor
Use our search tool to find the collaborating institution that will support you from the very beginning.
- Any product
- Business Microcredit Agreement with Institutions
- Innovation Loan
98 points of attention through Spain
Find organizations within your area.
Fundació Surt
CA Guàrdia, 14, 08034 BARCELONA
Tel.933428380+
www.surt.org
Fundació Surt
CA Guàrdia, 14, 08034 BARCELONA
Tel.933428380+
www.surt.org
Easier with MicroBank
Find out about the benefits and conditions of the Innovation Loan*.
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Maximum amount
€50,000
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Financing of up to
80 %1
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Interest rate
Fixed
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Guarantee
No collateral3
(1) Financing is provided for up to 80% of the whole project. The amount may not exceed €50,000.
(2) Optional capital grace period providing that no more than 7 years elapse between repayment and grace period.
(3) MicroBank grants transactions without collateral. For natural persons, loans are granted on the basis of a personal guarantee without requiring a third-party guarantor. For legal persons, a guarantee from the partners is required.
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Looking to the future
We provide access to financing for fledgling but proven projects of an innovative nature.
Frequently asked questions
Do you have any questions? Let us answer them.
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Entrepreneurs or microenterprises with a maximum of 3 years' history developing an innovative project and which have the support of one of MicroBank's collaborating institutions.
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The applicant/candidate must submit the following:
- A business plan;
- A viability report for the business project issued and signed by MicroBank's collaborating institution.
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Innovating business projects with a business plan that is viable over time and has the ability to generate resources to meet their obligations, including repayment of the loan requested.
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Applicants must go to their branch and apply for the microcredit, providing the required documentation so that the branch can assess the transaction and the applicant's risk.
(*) Product advertised: personal loan. French repayment system.
Granting of financing subject to prior approval by the institution.
This funding is possible thanks to the support of the European Investment Fund (EIF) under the InvestEU guarantee programme, It aims to help support funding, make productive investments in the European Union and ensure increased access to funding.
CaixaBank, S.A., agent of Nuevo MicroBank, S.A.U., assigned Tax Identification Code A-65619421 and recorded in the Official Institutions Register of the Bank of Spain with code 0133.
NRI 5426-2022/07809
