ENISA "Entrepreneurs" Loan is a financing program from Empresa Nacional de Innovacion (ENISA), a Spanish state-owned company under the Ministry of Industry and Tourism, that provides subordinated loans to innovative small and medium-sized enterprises and startups.

ENISA offers several targeted loan lines: the Young Entrepreneurs line for companies established within 24 months whose majority ownership is held by individuals under 40; the general Entrepreneurs line for early-stage SMEs of any age; a Growth line for established businesses seeking expansion or competitive advantage; an Agri-Food Digital Transformation line; and the Digital Women Entrepreneurs line backed by up to 51 million euros over three years to promote female-led digital ventures.

Approved loans require co-financing from the applicant's own funds, and larger loans over 300,000 euros require external audit.

Enisa con el emprendimiento innovador. We provide small and medium-sized enterprises that wish bolster their innovative entrepreneurial endeavours with financial support. We are a state-owned company that falls under management of the General Directorate of Industrial Strategy and SMEs, itself integrated into the Spanish Government’s Ministry of Industry and Tourism.

Mission, vision and values We support viable business projects by offering an alternative source of finance and diversifying the options available to Spanish SMEs. We believe that a culture of innovative entrepreneurial endeavours is key to growth and competitiveness within our business fabric. Therefore, we strive to become a leader and stimulus of that culture.

Objectivity, neutrality and independence govern our financing and guidance work. Transparency is the guiding light in our procedures and activity. Experience and knowledge are a guarantee of our criteria and decisions.

We are committed to people and to their business ventures. Backing a culture of innovative entrepreneurial ventures We promote a culture of entrepreneurship that pursues pooling and enhancing the keys to innovation, a culture that turns projects and companies into more competitive, more viable, more sustainable and more exportable new production, distribution and consumption models.

Companies that have already been awarded an enisa loan are an example and inspiration to others. Use them to understand the key aspects to viable and innovative projects within each area and market according to our analysts. Their cases and trajectories are an excellent example of Enisa’s contribution to their added value.

“Enisa is a very good partner” Alberto Bravo y Pepita Marín, founders of We Are Knitters. “Our goal is to place Spain in the global map in terms of technology and entrepreneurship” Raúl Torres y Raúl Verdú, co-founders of PLD Space. “Enisa immediately fell in love with my project” Kike Sarasola, founder of Be Mate.

Aimed at recently-established small and medium-sized enterprises (and start-ups) set up by young people so that necessary investments during the business venture’s early stages can be made. Your company will need to have been established no more than 24 months before making the application. Most of the financial capital must be in the hands of physical persons of no more than 40 years of age.

Your partners will have to provide at least 50% of the value of the approved loan in financial capital or own funds. Maximum interest-only period Further information (Spanish) Aimed at supporting small and medium-sized enterprises run by entrepreneurs of any age during the early stages of the business. Your company will need to have been established no more than 24 months before making the application.

Your company will need to have been established no more than 24 months prior to your request. Your own funds must, at least, match the amount awarded in the loan. Co-financing of your business project's financial needs.

Maximum interest-only period Further information (Spanish) Aimed at supporting business ventures in companies that wish to expand their business or obtain a competitive advantage. Your own funds must, at least, match the amount awarded in the loan. Co-financing of your business project's financial needs.

For approved loans of € 300,000 or more, the financial statements for the last full financial year will need to have been audited by an external entity. Maximum interest-only period Further information (Spanish) Financing line aimed at promoting the digital transformation of companies in the agri-food sector and rural areas.

The funds for this line come from the Ministry of Agriculture, Fisheries and Food, and will be managed and administered by ENISA. Your own funds must, at least, match the amount awarded in the loan. Co-financing of your business project's financial needs.

For approved loans of € 300,000 or more, the financial statements for the last full financial year will need to have been audited by an external entity.

Maximum interest-only period Further information (Spanish) Digital Women Entrepreneurs The Ministry of Economic Affairs and Digital Transformation, MINECO, will allocate up to 51 million euros in the next three years to promote female digital entrepreneurship, through this financing line. Your own funds must, at least, match the amount awarded in the loan. Co-financing of your business project's financial needs.

For approved loans of € 300,000 or more, the financial statements for the last full financial year will need to have been audited by an external entity. Maximum interest-only period Further information (Spanish)