Participative loans for valencian startups and SMEs

The Valencian Institute of Finance (IVF) offers equity loans to startups and SMEs in the Valencian Community that are less than 5 years old so that they can meet working capital needs, as well as the acquisition of assets for the development of their Business.

The loans will not require more collateral than that provided by the project itself for which it is requested.

Projects should be highly innovative for the marketing of a product or service.

IVF's loan line offers loans of between 200,000 and EUR 2M, at a 12-month Euribor interest rate, plus a spread of up to 6.5%, over which an interest rate bonus of up to 3.5 percentage points may apply. The obtaining of the financing will be linked to the obtaining by the applicant company of additional funding from others and/or the provision of new funds to the company, of at least 50% of the funding requested.

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