IVF “SME Investment” Loan Program 2025

The Institut Valencià de Finances (IVF) is launching the financing line “IVF SME Investment Loan Program 2025”, aimed at fostering the creation, growth, expansion, and internationalization of innovative technology-based companies and other SMEs with fixed asset investment projects.

This call offers subsidized loans, with a reduced interest rate compared to market levels, financed through a capital grant awarded by the Regional Ministry of Finance and Economy. The budget allocated for 2025 amounts to 8 million euros.

Eligible projects include the acquisition of fixed assets, modernization of production processes, product diversification, internationalization, improvements in energy efficiency, use of renewable energy, and cultural or sports infrastructure.

Loan conditions establish a minimum eligible amount of €200,000 and a maximum of €2,000,000, the latter determined according to the applicant’s turnover. The repayment period may range from 4 to 10 years, with the possibility of a grace period of up to 3 years. The applicable interest rate will be a fixed 2%, resulting from a subsidy applied to the rate corresponding to the applicant’s credit rating, ensuring that the final cost for the beneficiary remains at that fixed 2%. In addition, the loan carries no opening or early repayment fees, facilitating both contracting and financial management flexibility for the company.

Applications must be submitted exclusively online via the IVF website, by completing the electronic forms and providing the required documentation.

This financing line falls under the general IVF rules for granting subsidized financing, with the aim of supporting the Valencian business fabric and promoting strategic investments that contribute to regional economic development.