Línea de ayudas en forma de garantía para la financiación de la empresas de la economía social

Who can apply

• Aimed atPyme y personas físicas que desarrollan actividad económica
• SectorFinancial and insurance activities
• ScopeCatalonia

These are the official details of the call: the full requirements are in the rules.

Before you decide

• If you apply for more than €30,000
  To be a beneficiary, your company has to be up to date with the supplier payment periods of Ley 3/2004 on the date of the application (art. 13.3 bis of the Ley General de Subvenciones). If you can file an abridged profit and loss account, it is shown with a certificate signed by the governing body; otherwise, with an auditor's certificate. It is submitted within the 10 working days following the provisional award proposal, unless the rules say otherwise.
• When it is paid
  A grant is paid, as a rule, once you justify what you did. If the rules provide for it, there may be payments on account for what you justify as you go, or an advance payment before justifying, with the guarantees set by the rules themselves; look in them for «pago anticipado» or «anticipo». No advance is paid to a company in insolvency proceedings (unless an arrangement is already in force), insolvent or disqualified (Ley General de Subvenciones, article 34). So as not to wait for payment:

  • ICO Crédito Comercial: liquidity through invoice advances.
  • ICO Empresas y Emprendedores: investment and liquidity needs.
  • ICO Garantía SGR/SAECA: financing backed by a mutual guarantee society.

  Lines of the Instituto de Crédito Oficial, applied for at your bank. Checked at ico.es on 7-11-2026.