Cervera CDTI Program

Funding for innovative startups and SMEs


Loan + grant


Innovative startups and SMEs.


Project in collaboration with one or more state-level technology centers


The minimum bankable budget is €175,000.


A guarantee of 5% will be requested on the refundable tranche granted.


9 years, with a 7 year grace period


The company must make or have recently made a capital injection


Participatory loans


Applied in two sections. The first tranche will be Euribor + 3.25% and the second will be an additional 6% maximum depending on the company's profitability.


They do not require personal guarantees or guarantees, which makes it much more interesting than a traditional bank loan

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Funding for startups and SMEs that create or develop a significant improvement of a production process, product or service in collaboration with State-wide Technology Centres.

The aid aims to promote R&D in projects that demonstrate a technological differential aspect over existing technologies in the market.

This is partially reimbursable aid with coverage of up to 85% of the total budget. This is a current loan with a non-refundable tranche (TNR), this tranche is comparable to a non-refundable grant.

Projects must have a participation of at least 10% of the approved project by one or more technology centers.
What type of projects is the aid intended for?
The aid is intended for individual research and business development projects. Projects must demonstrate a technological differential aspect over existing technologies in the market.
Which companies can be beneficiaries?
Small and medium-sized enterprises (SMEs) and mid-cap companies (MIDcaps) with tax address in Spain.
What percentage of participation should the technology center have in the project?
Projects must have a participation of at least 10% of the approved project by one or more technology centers.
What is the minimum amount that can be financed?
The minimum budget that can be financed by the CDTI Cervera Program is €175,000.
How long should the submitted project be?
The projects may last between 12 and 36 months.
How is the disbursement of aid?
By default, an advance payment of 35% of the amount granted is offered with a limit of 250,000 euros, and the rest of the Aid is disbursed in installments and depending on the milestones defined in the Project.
What expenses can be included in the budget?
The costs of personnel, instruments, material, research, knowledge and patents, consulting costs and equivalent services, and general project expenses.

External collaborations may not exceed 65% of the eligible budget in general. In pharmaceutical sector projects, these expenses may reach up to 80% of the eligible budget.

Projects that are beneficiaries of aid from the CDTI's Cervera Program have the possibility of obtaining a binding “ex ante” reasoned report after formalizing the Cervera loan. to qualify the nature of the project, allowing them to benefit from R&D tax deductions.
¿Cuáles son los criterios de evaluación de las solicitudes?
At a technical level:
- Commercial exploitation plan of the project
- Technology and innovation of the project
- Capacity of the company in relation to the project
- Assessment of the socioeconomic impact, gender perspective and sustainability

At a financial level:
- Analysis on the consideration of a company in crisis
- Economic-financial and risk analysis
- Economic-financial analysis of the project
- Economic-financial adaptation of the company to the activities carried out by the project
What are the priority technologies for the Cervera Program?
Deep Learning e Inteligencia Artificial, Eco-Innovación, Fabricación Inteligente, Tecnologías para la salud, Cadena alimentaria segura y saludable, Redes móviles avanzadas, Materiales avanzados, Transporte inteligente y protección de la información.
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