Classics: Here come from renting and leasing to finance cars, machinery or equipment in general, lines of credit or refinance your home mortgage to get cash. If you need the amounts are small, perhaps plantearte can request a credit of up to 30,000 fast with an APR of approximately 11%.

ICO Lines: promoted by the Instituto de Crédito Oficial, ICO line SME financing offers loans of up to 1,500,000 euros with a subsidized interest of 6 months Euribor + 0.65%, and allow a payment of up to 7 years with a grace period of 2 years in which pay only the interest. Since it is processed through banks and savings banks reached guarantees you are either applying for mortgage, personal, joint or mutual guarantees or a guarantee provided by a mutual guarantee.

Another line availability of the ICO Entrepreneurs can financiarte up to 100,000 Euros but Euribor +1%. Being a small amount of the guarantees that you will often ask very light. You can see the other services here.

Equity loans: a financial instrument is little known in Spain. These are loans which are guaranteed shares of the company, so much depends for its award of the project’s viability and its business plan.

Payment of Maturities are long term (5 to 10 years) and even offered on the market with grace periods of between 3 and 8 years. The interest applied is based on the results of the company sets the minimum and maximum more than reasonable. The institution known for promoting this type of funding and have more sensitivity with innovative projects or technology is Enisa, a publicly owned company under the Ministry of Tourism, Industry and Trade.

According to its annual report, Enisa has awarded to date a total of 266 loans, amounting to 109.46 million euros. 25% of enterprises which have been granted funding for technology companies. The amounts loaned are generally between 200,000 to 900,000 Euros.

Since we do not require or warranties or guarantees, particularly in setting the quality and viability of the business project, the experience of the management team, well they have covered all areas of management, which are aimed at markets with significant growth in the medium and longer term and finally a good financial plan that demonstrates the company’s ability to meet their needs and commitments.