Loans granted by Enisa through the Enisa Entrepreneurs line can be accessed by projects led by entrepreneurs, with no age limit, with a seniority of less than 24 months.

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Type of funding from Enisa Emprendedores

Non-convertible participatory loans with capital of between 25,000 and 300,000€.

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Main features

• ‍Interest rate: Applied in two sections. A first tranche with Euribor +3.75% and a second tranche with variable interest depending on the company's financial profitability, with an established maximum limit of between 3 and 6%, depending on the rating of the transaction.
• ‍Commissions: Opening commission of 0.5% on the capital granted.
• ‍Expiration: Amortization of up to 7 years, including a principal grace period of up to 5 years. -It does not require personal guarantees or guarantees to entrepreneurs.

Beneficiaries

Startups and SMEs that are more than 24 months old and with their main activity and tax address in the national territory.

Main Requirements

In order to be eligible for Enisa Emprendedores loans, applicant companies must:

• Count on the condition of SME, with its own legal personality.
• Carry out an economic activity with profit motive that does not belong to the financial or real estate sector.
• Have an innovative, novel business model or one with clear competitive advantages.
• To be able to demonstrate the technical and economic viability of the business project that is being presented.
• Have own funds equivalent to, at least, the amount of the loan being requested.

Evaluation of requests

The investment committee focuses on innovation as a driving factor in the company's future success. In turn, the company will be evaluated based on criteria such as:

• Market validation in the form of billing.
• Balanced financial structure and professionalism in terms of project management.

Deadline for submitting applications

Although the call for applications for Enisa Emprendedores loans is open 365 days a year, to increase the chances of accessing the loan, Intelectium recommends applying for it throughout the first half of the year.

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Intelectium success stories in the Enisa Emprendedores 2021 line

Neobit Pharma

‍It develops state-of-the-art nutraceuticals, with natural and mineral components of the highest quality, used successfully in the creation of natural therapies.

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Intelectium has been at the company's side throughout the process of drafting and preparing the materials necessary for the ENISA Entrepreneurs application, obtaining a total of 67,000€.

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Repscan

‍It has developed a platform that can detect and eliminate negative content from the network (videos and photographs uploaded without consent or false data and news).

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As a reference partner of Repscan for the management and processing of public funding, we have obtained a total of 240,000€, with which the company has leveraged the funding round raised in the amount of 1.2 M€.

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As a novelty, startups and SMEs with women in relevant positions and companies in the agri-food sector can access participatory loans, with the same characteristics and conditions as the Enisa entrepreneurs line, through the ENISA Digital Entrepreneurs and ENISA Agro SME Agroinnpulso lines, respectively.

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ENISA Digital Entrepreneurs Line

• ‍Budget: 51 M€ for the period 2021-2023.
• ‍Objective: Promote female digital entrepreneurship and reduce the existing gender gap.
• ‍Beneficiary companies: Newly created or growing SMEs that have, at least, one woman in a relevant leadership position, either within the shareholder, in the management body or in the management team.

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ENISA Agro SME AgroInnpulso line

• ‍Budget: 13 M€ for 2021.
• ‍Objective: Promote innovation and digitalization of the agri-food sector and the rural environment throughout its value chain.
• ‍Beneficiary companies: Agri-food SMEs in a phase of growth, consolidation or internationalization that carry out innovative and/or technology-based activities.

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If your company meets the necessary requirements and you want to apply for an ENISA Entrepreneurs, contact us hither and receive support to finance your startup through this line.