IFEM innovation. Lines of co-investment with private investors. Designed for entrepreneurs or innovative, technology-based and/or scientific-based companies with high growth potential, who seek funding for their investment projects in the initial stages of business creation or early stages of growth and expansion.
Conversion with private investors: Financing with private investors in the form of a participatory loan for companies that are in the initial stages or in the early stages of growth. Through a participatory loan, IFEM may allocate part of the formalized amount (up to a maximum of 15% or 20,000 euros) to invest in the company's capital. Normally, between 50,000 and 200,000 euros are invested per project. The maximum investment made by IFEM cannot exceed the sum of the capital contributions of private investors. In addition, with the objective of accompanying companies in their next rounds of funding, IFEM may increase the amount invested, following up projects with up to 200,000 additional euros under the same conditions. The purpose is to help finance the business plan. A repayment period of up to 5 years is offered with up to 2 years of grace period included. The fixed interest applied to the loan is a reference to the 12-month Euribor plus interest of 5%, the variable interest is determined based on the evolution of the business plan (up to a maximum of 7%). It has an opening commission of 0.5% on the formalized amount. In addition, it does not require guarantees.
Knowledge Industry Program: Joint funding with private investors in the form of a participatory loan for science-based companies within the “Knowledge Industry” Program promoted by the Secretariat of Universities and Research in conjunction with the ICF. Investments of between 50,000 and 200,000 euros are made per project with a maximum fixed interest of between 4% and the rate that would result from applying the Communication of the European Commission regarding the revision of the method for fixing the reference rate and updating. Settlements are made on a quarterly basis.
Corporate Entrepreneurship Program: Financing with corporate investors in the form of a participatory loan to promote corporate entrepreneurship. The objective of the funding is the development of the business plan of companies that participate in corporate entrepreneurial projects. The expenses associated with the development of the business plan subject to the request are financed and corporate entrepreneurship projects are understood to be those in which a corporate investor invests in the capital of a small company or startup, to respond to a corporate investor's need for innovation. Between 50,000 and 200,000 euros are invested.
IFEM investment. Venture Capital of the organization. He acts as an investor in seed-phase venture capital funds that invest in companies with headquarters in Catalonia. It is aimed at companies in the initial stages of creation or in the early stages of expansion with a high technological and innovative content.
