This line seeks to facilitate business investment, with a special focus on intangible assets, and to support internationally active companies that need to strengthen their competitiveness and productive capacity.

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Purpose of the aid

The main purpose of the line ICO Growth Exporters is facilitate access to credit for importing and exporting companies, promoting investment in:

• material assets
• intangible assets (on a priority basis)
• Working capital linked to investment

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All this in order to adapt to changes in the international tariff environment, improve operational efficiency and promote business growth.

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Beneficiaries of ICO Growth Exporters

They will be able to benefit from this line:

• Commercial companies with registered office or business in Spain
• At least 4 years old
• That meet the definition of SME

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In addition, they must comply with:

General requirements

• To have audited the accounts of the Last two exercises, or to have voluntarily audited them
• Alternatively, they can access it if they provide a Guarantee of an SGR for 100% of the operation

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Specific requirements

• Companies importers or exporters affected by the tariff environment
• Those whose international activity represents will be considered eligible more than 5% of turnover

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Type of fundable projects

Projects should be aimed at boosting business growth, including:

• Expansion or renovation of facilities, machinery and equipment
• Development or acquisition of intangible assets
• Acquisition of business shares
• Transactions related to generational change in family businesses
• Increase in working capital (up to 30% of the project)

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Type of aid and conditions

Funding is organized through ICO loans with the following characteristics:

• Minimum amount: 50,000€
• Coverage: up to 80% of the investment (100% in certain concepts such as consulting)
• Return period: between 5 and 10 years
• Shortfall: up to 2 years
• Amortization: monthly

Interest rate

• 1-year Euribor (minimum 0%) + margin (~ 1.75%)
• Bonus of 100 basis points About the interest rate

Commissions

• Aperture: 0.5%
• Early cancellation: 0.5% (1% in case of non-compliance)

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Non-refundable tranche (TNR) or non-refundable grant tranche

One of the most relevant aspects of this line is the incorporation of a non-refundable tranche, funded with Next Generation funds.

• Maximum amount: the smallest between 200,000€ and 30% of the loan
• Application: early amortization of the last installments

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Concepts that can be financed with TNR

• Investment in tangible assets
• Wage costs (up to 2 years)
• Internationalization Services (ICEX)
• Participation in fairs
• Financial costs (commissions, guarantees, etc.)

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Fundable concepts

The line allows you to finance a wide variety of investments:

Tangible assets

• Land and facilities
• Industrial buildings
• Equipment and machinery
• Renewable energy installations
• ICT equipment
• Furniture

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Intangible assets

• R+D
• Industrial property
• Software, Applications and Databases
• Brand development and expansion to new markets
• Training and management systems

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Financial assets

• Acquisition of business shares
• Repurchase of shares in family businesses

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Working capital

• Up to 30% of the project
• Includes operating costs, customers, inventory and treasury

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Requirements and documentation

The request must include:

• Digitally signed application form
• Responsible requirement compliance statement
• Annual accounts (or provisional if not deposited)
• Technical report of the project
• Single Customs Document (DUA)
• Model 390 (annual VAT)

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ICO Crecimiento Exportadores application deadline

The call is open on the basis of non-competitive competition, implying that:

• Requests are answered by Order of arrival
• There is no comparison between projects
• They are granted until the budget is exhausted

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Application Deadline: July 1, 2026

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