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Our pledge to companies

ICF Empren 2015


Instituto Catalán de Finanzas

Financing for entrepreneurs, the self-employed and micro-companies based or operating in Catalonia and SMEs in the commerce sector.

A prior requisite is to hold a Resolution issued by the Departament d’Empresa i Ocupació.

The operations are 70% guaranteed against risk by the ICF.

  • Caracteristics


    • Self-employed
    • Micro-companies
    • SMEs in the commerce sector

    Eligible Investments:
    • Investment: Financing for the acquisition of capital goods
    • Working capital Liquidity for the company’s day-to-day activities
  • Finantial conditions
    Financing type: 
    • Loan
    • Leasing (except for working capital)
    Maximum investment:
    • From €10,000 to €100,000 per beneficiary as stipulated in the Resolution.
    Repayment schedule:
    • 5 years with a 1-year grace period.
    Interest rates
    • Variable, indicated monthly by the ICF and available at www.icf.cat
    • Arrangement and Study: exempt.
    •  Early repayment: 1%.
    Resolution request

    Resolutions may be requested until 26 February 2016 through the web www.icf.cat