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Our pledge to companies

SME Initiative (EIF Guarantee)

Information of interest for SMEs and self-employed professionals


Banco de Sabadell, together with the European Investment Fund (EIF), which forms part of the European Investment Bank (EIB), has signed the SME Initiative, and will contribute EUR 625 million to finance new loans of Spanish SMEs over the next two years.

Spain: Pioneer country in this Initiative

The SME Initiative is a joint financial instrument of the European Commission, the EIB Group and Member States which aims to stimulate Spanish SME financing by providing partial risk cover for SME loan portfolios. The SME Initiative is also co-financed by the EU through Horizon 2020.

The SME Transactions benefit from support from the European Union pursuant to the SME Initiative, with funding by the European Union under the ERDF and Horizon 2020 and by the European Investment Fund and the European Investment Bank.

  • Main characteristics



    The Initiative can be accessed by small and medium enterprises (SMEs) and self-employed professionals who are based in Spain and carry out their activities there, and who meet the definition contained in EC Recommendation (2003/361/EC), i.e.:


    • Up to 249 employees
    • Annual turnover not exceeding EUR 50 million
    • Annual balance sheet total not exceeding EUR 43 million

    The Initiative excludes certain sectors, such as: production and trade of tobacco, distilled alcoholic beverages and other related products; production and trade of weapons and munitions; use of live animals for experimental purposes; nuclear energy; games of chance and casinos, among others.

    Eligible investments
    •  Investment of tangible and intangible assets
    •  Floating capital related to the business cycle of the company
    • Acquisition of companies (among independent investors)

    All projects must be carried out in Spain, and have as their purpose: the creation of new companies; start-up capital (in other words, seed and initial capital); expansion capital; capital to strengthen and stabilise a company’s general activities; or the execution of new projects, entering of new markets or new developments for existing companies in accordance with the provisions of the FEDER regulations.

    Among other concepts, refinancing, restructuring and VAT shall not be eligible for financing
  • Financial Conditions

     Repayment terms

    - Investment: minimum 2 years and maximum 12 years
    - Floating capital: minimum 2 years and maximum 3 years

    Eligible amount

    Up to EUR 12.5 million


    Loan, leasing and credit policy