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ICF Co-Financing

Useful information for companies

Instituto catalán de finanzas

Banco Sabadell has signed up to the ICF Co-Financing Line to finance business projects, both in terms of working capital and investment, sharing 50% of the funding, risk and guarantees with the ICF.

The fund for this line of loans totals €120 million.

  • Characteristics

    Companies with a head office or operating site in Catalonia regardless of where the loan is applied (in Catalonia or otherwise).

    1. Self-employed people.
    2. Joint ownership arrangements.
    3. Holdings, except when these belong to an industrial or commercial group and carry out investment for the group's business operations.
    4. Companies belonging to the following economic sectors: real estate, insurance and finance.

    Investments that can be financed:
    1. Investment: financing investments in productive fixed assets inherent in the company's business.
    2. Working capital: to provide liquidity for the company's day-to-day business.
    Operations aimed at refinancing and/or cancelling all or part of existing operations with the bank are excluded.

  • Financial Conditions
    Financing method:


    Maximum investment:

    Minimum of €500,000 and maximum of €5,000,000 per beneficiary.

    Repayment terms:

    Investment: repaid over 1 to 10 years, with up to 2 years' grace period included.
    Working capital: repaid over 5 years maximum.

    Interest rate:

    Variable, tied to the 12-month Euribor.