Designed to finance the activities and projects of the self-employed, SMEs and companies, as well as their international expansion
ICO Facilities offer enterprises and the self-employed financing schemes to enable them to undertake their investment projects and meet their liquidity needs.
The loans provided under ICO's second-floor facilities feature long repayment terms, preferential interest rates and simple paperwork and may be obtained through leading banks and savings banks established in Spain. Loans are granted through private credit institutions, who assume the credit risk associated with each operation. Conditions of loans are established by ICO in transparent terms.
ICO's facilities are focused on two main areas of activity: SMEs and Entrepreneurs, and Internationalisation. These two major facilities will allow investment projects to be funded as well as the liquidity needs of businesses and the self-employed, both domestically and abroad:
This facility is designed to provide financing to Spanish self-employed people and companies to make investments in Spain and meet their liquidity needs.The developments for this facility including improved financing conditions for liquidity and the differentiation of interest rates depending on the repayment periods of transactions. The maximum amount of funding is 12.5 million euros per client, granted via loans or leasing and with repayment terms of up to 20 years.
Provides liquidity to companies through the advance payment of invoices arising from their short-term commercial activity as well as the financing of the manufacturing stage of goods or services that can be sold in the national territory.
ICO remains committed to the role of the Mutual Guarantee Companies as a basic financial instrument to provide the necessary guarantees for funding companies. The risk covered by these companies is valid for both investment transactions and liquidity requests by SMEs and self-employed.
Financing for independent contractors and companies registered in Spain that would like to obtain liquidity by receiving advance payment for invoices from the business activity abroad.
This product adds value to ICO’s catalogue of products to boost the activity of Spanish companies in third markets. Based on a collaboration scheme with international financial institutions that act as intermediaries, it provides Spanish companies with access to financing for investment projects and liquidity needs abroad, currently focusing on the region of Latin America and the Caribbean. Using this model, ICO broadens the distribution of funds towards new counterparts that operate in international markets in which Spanish companies have a commercial presence or more active investment, thus favouring their internationalisation. Support in the local banking system, with a better knowledge of the market, makes it easier for companies to have specific solutions available for each country regarding currencies, terms and conditions.
Here is the full catalogue of ICO Facilities, designed to finance the business activities and investment projects of the self-employed, entrepreneurs and companies, as well as their internationalisation processes, with the objective of covering all stages of business development. Select the ICO Facility most suited to your needs. Take the plunge!
Information on agreements entered into between ICO and multilateral organisations to support ICO Facilities
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As a consequence of the previous information, at this website section you confirm that you are not a resident of the United States of America or of any jurisdiction in which the distribution of this information is legally limited and that you will not distribute any of the information and documents contained hereon to any person resident in the United States of America or in any jurisdiction in which the distribution of this information is legally limited. None of the information displayed in the following sections is an offer of securities for sales in the United States of America.
Instituto de Crédito Oficial has not registered, and does not intend to register, any of its securities (nor the guarantee thereof has been or will be registered) under the United States Securites Act of 1933 or any applicable U.S State Securities Laws or to conduct a public offering of securities in the United States of America. Instituto de Crédito Oficial is complying with rules concerning the exemption from the registration of its securities under the United States Securities Act of 1933, by which those securities will be offered only for sales to "qualified institutional buyers" (QUIBs) pursuant to rule 144A.
