ENISA Startups y pymes: requirements, amount and how to apply

ENISA Startups y pymes for startups: who can apply, how much it gives, which documents to prepare and where the official call is.

Who can apply

• Being an SME under the EU definition, with its own legal personality: sole traders cannot apply.
• A company already set up, with last year’s accounts filed at the Registro Mercantil (audited if the loan is over €300,000).
• Own funds at least equal to the loan amount.
• An innovative business model, outside real estate and finance, and being up to date with Hacienda and the Seguridad Social.

Interest in two tranches: the first at Euríbor + 4% or + 6% depending on the rating, the second tied to the company’s financial return. 0.5% opening fee and a term of up to 7 years. Applications go through ENISA’s website; its page does not confirm that it is open all year.

What to prepare

• Last year’s filed accounts
• Business plan
• Certificates of being up to date with Hacienda and the Seguridad Social

An indicative list, with the names used on the portal. The one that counts is the list in each year’s call.

Amounts and conditions are indicative: they change with each call. Always check them at the official source before applying. Madrid Ventures does not grant funding or give tax advice. Data checked at the official source in October 2026.