Talk to us:

dealflow@intelectium.com

Language

Contact

What's new.
Find out what's going on

Andalusian SME Financing
Asturias SME Financing
Barcelona startup funding
Barcelona Startups Accelerator
Business Angels
Latest entries
Grants for startups
•
5 min
•
8/18/26

Funding for innovative startups and SMEs in the Community of Madrid

The Community of Madrid provides funding for startups and SMEs in Madrid, approving three lines of aid co-financed with FEDER Funds.

Popular Entries

Startup funding plans: why 80% fail before reaching the investor

Runway, funding architecture, and actual closing timelines: why most funding plans die before reaching the investor.
•
8/14/26
•

Denied grant: why it failed and how to avoid it next time

Not every denied grant is your fault. Expense eligibility, repayments, and when a denial is structural rather than project-related.
3 min
•
8/14/26
•

How to build a startup budget that is actually useful for decision-making

3 layers, 5 scenarios with triggers, and the Rule of 40: the framework for a business budget that is actually used for decision-making.
2 min
•
8/11/26
•

Seals and certifications for startups and SMEs in Spain: the definitive guide and comparison of all options available in 2026

Innovative SME, JEI, Emerging Company, EIBT Brand, or Seal of Excellence: which seal to request, in what order, and what funding each one unlocks.
•
8/10/26
•
New and worthly
•
3 min read

Startup funding plans: why 80% fail before reaching the investor

Runway, funding architecture, and actual closing timelines: why most funding plans die before reaching the investor.

•
8/14/26
New and worthly
•
3 min read

Denied grant: why it failed and how to avoid it next time

Not every denied grant is your fault. Expense eligibility, repayments, and when a denial is structural rather than project-related.

3 min
•
8/14/26
New and worthly
•
3 min read

How to build a startup budget that is actually useful for decision-making

3 layers, 5 scenarios with triggers, and the Rule of 40: the framework for a business budget that is actually used for decision-making.

2 min
•
8/11/26
New and worthly
•
3 min read

Seals and certifications for startups and SMEs in Spain: the definitive guide and comparison of all options available in 2026

Innovative SME, JEI, Emerging Company, EIBT Brand, or Seal of Excellence: which seal to request, in what order, and what funding each one unlocks.

•
8/10/26
New and worthly
•
3 min read

A monthly financial forecast is not optional for startups with a short runway

With less than 18 months of runway, reviewing your forecast every quarter isn't being prudent: it's flying blind. Cadence, scenarios, and optimistic bias.

2 min
•
8/10/26
New and worthly
•
3 min read

E-commerce stock management: the 3 types of inventory that tie up your cash in different ways

Not all inventory weighs the same. The 3 types of e-commerce stock, the VAT no one sees, and how to finance it without destroying cash flow

3 min
•
8/10/26
New and worthly
•
3 min read

CEO and CFO: balancing profitability and financial risk: synchrony over roles

Why the classic CEO/CFO divide fails in Spanish startups, and the cadence and kill switches we use at Intelectium to prevent it

3 min
•
8/4/26
New and worthly
•
3 min read

ENISA loan rejected: why you failed and how to turn it around

Your ENISA application was rejected. We explain how the internal stage-based rating works and the real steps to correct your file

3 min
•
8/5/26
New and worthly
•
3 min read

Cash flow and liquidity: two distinct levers you cannot afford to confuse

Cash flow and liquidity are not the same. We explain the real difference and which article to consult for a detailed look at each metric.

4 min
•
8/5/26
New and worthly
•
3 min read

2026 Corporate Income Tax: what a bank or investor looks for in your effective tax rate

Your 2026 Corporate Income Tax effective rate is more than just a tax figure: it is the first thing a bank or investor checks. How to safeguard it before you negotiate.

2 min
•
8/3/26
New and worthly
•
3 min read

Intelectium success story: BuildLovers secures €300,000 through the ENISA line to scale its digital platform for industrialized single-family home construction.

BuildLovers digitizes the entire construction process for industrialized single-family homes from start to finish: design, budgeting, financing, and construction in a single workflow.

2 min
•
7/31/26
New and worthly
•
3 min read

Tax incentives for startups and SMEs: deductions, bonuses, Tax Lease, and Patent Box (2026)

Complete guide to R&D&i tax incentives in Spain: tax deductions for R&D&i and Social Security bonuses, with calculation examples and real-world cases.

8 min
•
7/29/26
New and worthly
•
3 min read

E-commerce financing: how to choose the right instrument based on your cash cycle

RBF, confirming, factoring, or ENISA: how to choose the right e-commerce financing instrument based on your Cash Conversion Cycle.

3 min
•
7/29/26
New and worthly
•
3 min read

Why your SaaS pricing might be destroying value before your Series A

How SaaS pricing affects your CAC payback, NRR, and Series A valuation multiple. The most costly mistakes in Spain.

3 min
•
7/28/26
New and worthly
•
3 min read

Investor pitch deck:

How to build a pitch deck that secures investor meetings: structure, unit economics, and common deal-breaking mistakes in Spain.

3 min
•
7/27/26
New and worthly
•
3 min read

Innovation X Climate: ENISA's new 300 million euro line for SMEs innovating against climate change

The Ministry of Industry and Tourism has launched Innovación X Clima, a line managed by ENISA with 300 million euros in participatory loans for SMEs innovating against climate change.

2 min
•
7/24/26
New and worthly
•
3 min read

Financial control and KPIs in restaurant and hospitality SaaS: the adaptation most people skip

KPIs and financial control in restaurant and hospitality SaaS: how to adapt MRR, churn, and due diligence to a vertical with mixed contracts and seasonality.

4 min
•
7/22/26
New and worthly
•
3 min read

Revenue-based financing: what it is, what it really costs, and when it makes sense for your startup

Revenue-based financing in Spain: how it works, eligibility criteria, real cost versus equity, and when it makes more sense than ENISA or venture debt.

2 min
•
7/22/26
New and worthly
•
3 min read

Business plan with corporate strategy for Spanish startups: Why it breaks down in the first 90 days

A business plan with a corporate strategy cannot survive without weekly financial control and differentiated review cadences. Discover why plans fail and how to keep them alive.

4 min
•
7/14/26
New and worthly
•
3 min read

Accounting advisor vs. CFO: they are not interchangeable

The difference between an accounting advisor and a CFO doesn't depend on the size of the company or the available budget: it depends on the role each one plays.

3 min
•
7/13/26
New and worthly
•
3 min read

How to improve your company's profitability once you have traction: the levers that matter

More revenue doesn't always mean more profit. This guide is for companies that are already selling and need that to translate into real margins and predictable cash flow.

3 min
•
7/7/26
New and worthly
•
3 min read

New ACCIÓ 2026 grants for R&D&I: three non-repayable grants for innovative startups and SMEs in Catalonia

Up to €250,000 in non-repayable grants for R&D projects. ACCIÓ will soon open calls for its three business innovation schemes for companies based in Catalonia.

3 min
•
7/7/26
New and worthly
•
3 min read

Financial metrics for startups: what to measure, when, and why cadence changes everything

A CFO doesn't measure everything all the time. In 2026, Spanish investors demand real data, not weekly estimates disguised as rigor. This guide explains which metrics each stage needs, how often, and what benchmarks define a financially healthy startup today.

5 min
•
7/2/26
New and worthly
•
3 min read

Corporate Tax 2026: The 15% Rate Is Not Automatic for Startups

Everything you need to know about rates, reserves, and contributions before the fiscal year closes.

3 min
•
7/1/26
New and worthly
•
3 min read

ENISA para startups: préstamos participativos (2026) | Intelectium

ENISA financia startups sin avales con préstamos de 25.000 € a 1,5 M€. Guía 2026: líneas activas, requisitos, proceso y errores frecuentes.

8 min
•
6/25/26
New and worthly
•
3 min read

INNOGLOBAL 2026 (CDTI): Non-repayable grant for R&D projects in international cooperation

INNOGLOBAL is the CDTI call for applications that finances the participation of Spanish companies in R&D projects developed in international consortia with non-repayable grants.

5 min
•
6/18/26
New and worthly
•
3 min read

CFO externo para startups: guía completa de funciones, fases y cómo elegir el tuyo

Qué hace un CFO externo, cuándo lo necesita tu startup y cómo elegir el tuyo. Guía práctica con checklist, métricas y criterios de Intelectium tras 450+ startups acompañadas.

15 min
•
6/15/26
About Us
Success stories
What's new
Contact us
Services
Venture Capital
Intelectium Ventures
Lead Angels
Smartech Capital
Firstech Capital
Financial Services
External CFO
Management
Fundraising
Landing in Spain
Public Funding
In co-investment
Co-investment
R+D+i
Tax Incentives
Seals and Certifications
Legal Services
Corporate
Business Advice to Startups
Corporate Operations
Business Advice and Contracting
Academy
Startup Founder's Experience
Deal Closing
Innovation & Strategy
Products
ENISA for Startups
ENISA Young entrepreneurs
ENISA entrepreneurs
ENISA growth
ICO loan
IFEM
Avalmadrid
IVF
IDEA
PID Program
Cervera Program
CIEN Program
NEOTEC Program
AEESD Program
Entrepreneurship R+D+I Program
EMPLEA Program
RETOS Collaboration Program
Torres Quevedo Program
EIC Accelerator
EIT Program
Eurostars program of the Eureka network
Innovative SME seals
Young Innovative Company
Emerging company