Línea de préstamos “ICF Lidera Comerç” con condiciones preferentes dirigida a personas físicas y/o jurídicas del…

Who can apply

• Aimed atPyme y personas físicas que desarrollan actividad económica
• SectorAcabado de textiles; Actividades de agencias de viajes y operadores turísticos; Actividades de fotografía; Actividades de intermediación para el transporte; Actividades de intermediación para los servicios de alojamiento; Actividades de programación, radiodifusión, agencias de noticias y otras actividades de distribución de contenidos
• ScopeCatalonia

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

Before you decide

• De minimis aid
  A single company may receive at most €300,000 gross in de minimis aid over any three-year period (Regulation (EU) 2023/2831). Add up what you have already received from any administration: see how much you have left.
• 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.

Go to the e-office where you apply

What has already been awarded

Decisions published in the BDNS for this call: real figures, not estimates.

Against the published funding, some €3,654,367 would remain to be awarded.

Who wins it

Based on 25 awards already published in the BDNS, by legal form of the beneficiary: the percentage of awards and the median grant of each group.

• Limited companies84% · €150,000
• Individuals16% · €60,000

It is won mostly by companies: this is SME territory.