Submission deadline
Benefit
Up to €300,000 under the liquidity and leasing lines, and up to €1,500,000 for productive investments and investments in innovation, digitalisation and sustainability, plus subsidies for guarantees, interest and arrangement and assessment fees
Geographical scope
Topic
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CAIB-ISBA 2026-2027 Aid for Companies in the Balearic Islands
Call aimed at facilitating access to finance for companies in order to support liquidity operations, productive investments, innovation, digitalisation and sustainability projects, as well as financial leasing operations.
The Ministry of Economy, Finance and Innovation of the Government of the Balearic Islands announces this line of aid to facilitate access to financing for companies operating in the Balearic Islands, through grants intended to cover arrangement and assessment fees, interest, and the cost of guarantees provided by mutual guarantee societies in financial transactions linked to liquidity and investment.
The aid is structured into several lines: liquidity, extraordinary liquidity to mitigate the economic consequences of the war in the Middle East, productive investments, investments in innovation, digitalisation and sustainability, and financial leasing or leasing. In all cases, the transactions must be guaranteed by a mutual guarantee society regulated by Law 1/1994 and must comply with the financial conditions established in the call.
In the case of liquidity and extraordinary liquidity transactions, the main activity must be located in the Balearic Islands; in investment and leasing transactions, the financed investments must likewise be carried out in production centres located within this territorial scope.
Under the liquidity line, new transactions, renewals or refinancing arrangements formalised through a loan, credit facility or other liquidity financing instruments are subsidised, excluding non-recourse factoring, as well as renegotiation and restructuring transactions.
The extraordinary line related to the war in the Middle East is aimed at transactions formalised to mitigate the economic consequences of this context in the affected sectors. For their part, the investment lines support both productive investment projects and actions in innovation, digitalisation and sustainability, while the leasing line supports financial leasing transactions for business investments.
Financial support may reach up to 300,000 euros per beneficiary under the liquidity, extraordinary liquidity and financial leasing lines, and up to 1,500,000 euros under the productive investment and innovation, digitalisation and sustainability investment lines for transactions formalised from 1 December 2025 to 30 November 2027.
Beneficiaries
- Natural or legal persons of a private nature, as well as civil companies or communities of property, economic interest groupings (AIE), temporary joint ventures (UTE) and social economy enterprises as defined in Law 5/2001 of 29 March on the social economy, provided that they meet the requirements applicable to micro, small and medium-sized enterprises.
a) that finance investment projects, provided they are carried out in production centres located in the Balearic Islands.
b) that finance financial liquidity transactions, the main activity of which is carried out in production centres located in the Balearic Islands. - Large companies for productive investments and investments in innovation, digitalisation and sustainability, with up to 499 employees.
Requirements
- Meet the requirements to be considered an eligible SME or large company, in accordance with Regulation (EU) No 651/2014.
- In the case of self-employed businesses, not hold a stake of more than 25% in other companies, or otherwise meet the requirements applicable to partner or linked enterprises.
- Be up to date with tax obligations and Social Security obligations.
- Be registered in the Census of Business Owners, Professionals and Withholders.
- Be registered for the Tax on Economic Activities (IAE).
- Not have been sanctioned for discriminatory labour practices or lost the possibility of obtaining public subsidies.
- Comply with the payment periods established in Law 3/2004 when the aid requested exceeds 30,000 euros.
- Not be considered an undertaking in difficulty in accordance with Regulation (EU) No 651/2014.
As regards the guaranteed financial transactions, they must meet the following requirements:
- Financial guarantees granted by a mutual guarantee society whose majority participating members are companies carrying out their main activity in the territory of the Balearic Islands, or financial guarantees granted by a mutual guarantee society to companies carrying out their main activity in the territory of the Balearic Islands.
- Variable interest rate calculated as Euribor plus a maximum spread of 2.5%, or a fixed rate equivalent to that resulting from applying a 3% spread to the IRS (interest rate swap) for the corresponding term.
- Counter-guarantee of the transaction, for a minimum amount of 25%, by a counter-guarantee company of those provided for in Article 11 of Law 1/1994 of 11 March.
- The transactions must be formalised between 1 December 2025 and 30 November 2027.
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