ENISA participative loan application (Startups y pymes line)

ENISA participative loan application (Startups y pymes line) is filed with ENISA, Empresa Nacional de Innovación (Portal del Cliente). With Managora you do it 100% online: you answer a few questions, sign a digital mandato (power of representation) and we draft, sign and file your application for you. What we charge you: from €599. Official tasa (government fee): No tasa (official fee). If ENISA grants the loan, it charges an arrangement fee of 0,5 % of the amount granted (500 € per 100.000 €). If your company does not yet have the notarial deed of beneficial ownership that ENISA requires, the notary charges for it separately.

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We prepare your application for the ENISA participative loan, Startups y pymes line: from 25.000 to 1.500.000 €, with no guarantees. We check that your company meets the requirements, draft the business plan and the financial forecasts in the format ENISA asks for, and gather all the paperwork. Your director registers the application on the ENISA Portal del Cliente and signs with their digital certificate; we leave everything ready, guide you step by step and prepare the answers to ENISA's requests for information until the decision.

What we charge you: from €599
Managora's fee: €599.00 (21% VAT incl.)
Tasa (official government fee): No tasa (official fee). If ENISA grants the loan, it charges an arrangement fee of 0,5 % of the amount granted (500 € per 100.000 €). If your company does not yet have the notarial deed of beneficial ownership that ENISA requires, the notary charges for it separately.
Processing time: Ongoing line, with no closing date. Once the application is filled in on the Portal del Cliente there are 30 days to upload the documents, or it lapses; ENISA takes 60 days on average to assess it once it has all the documents.
Where it is filed: ENISA, Empresa Nacional de Innovación (Portal del Cliente) ↗
What you receive: Application

Cost breakdown: Loan of up to 100.000 €: 599 €. Loan of 100.001 to 300.000 €: 899 €. Loan of over 300.000 €: 1.299 €. VAT included in all three. No tasa (official fee): if ENISA grants the loan, it charges an arrangement fee of 0,5 % of the amount granted..

ENISA participative loan application (Startups y pymes line): how is it filed?

1Answer the questions (around 15 minutes) and upload the company's documents.
2If any answer shows that your company cannot apply for the loan, we tell you before you pay.
3Payment according to the amount you are asking for: 599 €, 899 € or 1.299 € (VAT included).
4We check the requirements against your accounts, see whether the Innovación x Clima line suits you better, and prepare the business plan, the financial forecasts in the format ENISA asks for, and the declaración responsable (sworn statement).
5Your director registers the application on the ENISA Portal del Cliente and signs with their digital certificate: we leave every document ready to upload and guide you step by step.
6We prepare the answers to ENISA's requests for information until the decision.

Which documents do you need?

•Annual accounts for the last three financial years filed with the Registro Mercantil (Companies Register), with the audit report if the company is required to have an audit or if you are asking for more than 300.000 €.
•Interim accounts for the current financial year.
•Registered deed of incorporation and, if any, the deeds of capital increases and share transfers.
•Deed of appointment or power of attorney, and DNI or NIE of the legal representative who signs.
•Company NIF card, ID of shareholders holding more than 5 % (plus a full copy of the passport for non-resident foreign shareholders), and certificate of tax registration status (situación censal).
•Notarial deed declaring the beneficial ownership (titularidad real).
•Last year's accounts of any corporate shareholders holding 25 % or more, if there are any.

Prerequisites we also handle for you

This procedure may require documents that we also obtain. If your case needs one and you do not have it, ask us for it here and come back once you have it:

Certificado de estar al corriente (tax and Seguridad Social clearance certificate)from €99

And whatever a third party provides, we arrange it

Notary: signing a deed or a notarial act
Traducción jurada (sworn translation) into Spanish
Apostilla or legalisation of a foreign document

You do not have to look for anyone: we coordinate it. As it is provided by a third party it is quoted separately and does not go inside the price of this procedure, and we tell you the amount before ordering it.

Legal basis and things to bear in mind

Status at 5 October 2026: ongoing line, with no call and no closing date. On 15 September 2026 ENISA confirmed that, with the EU-funded period now over, it keeps granting loans from its own ordinary resources.
It is a participative loan, not a grant: from 25.000 to 1.500.000 €, with no guarantees, repayable over a maximum of 7 years with up to 2 years' grace period. Interest has two tranches (Euríbor plus a margin, and another linked to the company's profitability) and there is an arrangement fee of 0,5 %. If it is repaid early or control of the company changes, ENISA also charges a fee linked to the second-tranche interest.
Only for SMEs set up as a trading company or cooperative with their tax domicile in Spain: self-employed people without a company cannot apply. The real estate and financial sectors are excluded, and the project must not cause significant harm to the environment.
The loan cannot exceed the company's equity (fondos propios), and above 300.000 € ENISA requires audited accounts. It does not accept a new application while another is still being assessed.
ENISA no longer has the Jóvenes Emprendedores, Emprendedores or Crecimiento lines. It now offers Startups y pymes and themed lines such as Innovación x Clima, for SMEs linked to areas declared seriously affected by a civil protection emergency or with climate resilience projects, available until its budget runs out and at the latest until 31 December 2032.
Once the application is filled in there are 30 days to upload the documents, or it lapses; ENISA takes 60 days on average to assess it once it has everything. ENISA decides whether to grant the loan: we cannot guarantee it. Signing the loan agreement, if granted, is not included.

ENISA participative loan application (Startups y pymes line): frequently asked questions

ENISA participative loan application (Startups y pymes line): how much does it cost?

We charge you from €599: our fee plus, where applicable, the fixed official tasa we advance. Loan of up to 100.000 €: 599 €. Loan of 100.001 to 300.000 €: 899 €. Loan of over 300.000 €: 1.299 €. VAT included in all three. No tasa (official fee): if ENISA grants the loan, it charges an arrangement fee of 0,5 % of the amount granted.. Managora's fee is €599.00, 21% VAT included (€495.04 net + €103.96 VAT). The official tasa charged by the authority (a suplido paid on your behalf, no VAT) is: No tasa (official fee). If ENISA grants the loan, it charges an arrangement fee of 0,5 % of the amount granted (500 € per 100.000 €). If your company does not yet have the notarial deed of beneficial ownership that ENISA requires, the notary charges for it separately..

ENISA participative loan application (Startups y pymes line): how long does it take?

Ongoing line, with no closing date. Once the application is filled in on the Portal del Cliente there are 30 days to upload the documents, or it lapses; ENISA takes 60 days on average to assess it once it has all the documents.

ENISA participative loan application (Startups y pymes line): which documents do I need?

You need to have to hand: Annual accounts for the last three financial years filed with the Registro Mercantil (Companies Register), with the audit report if the company is required to have an audit or if you are asking for more than 300.000 €., Interim accounts for the current financial year., Registered deed of incorporation and, if any, the deeds of capital increases and share transfers., Deed of appointment or power of attorney, and DNI or NIE of the legal representative who signs., Company NIF card, ID of shareholders holding more than 5 % (plus a full copy of the passport for non-resident foreign shareholders), and certificate of tax registration status (situación censal)., Notarial deed declaring the beneficial ownership (titularidad real)., Last year's accounts of any corporate shareholders holding 25 % or more, if there are any.. You do not upload them here: we collect the details through the guided chat.

Who files the procedure?

Managora files it in your name with ENISA, Empresa Nacional de Innovación (Portal del Cliente). You only provide the details through the chat and sign a mandato (power of representation); we prepare, sign and register it.

Can it be done online?

Yes. The whole process is online: you answer a few questions in the guided chat, sign a simple mandato on screen and receive the receipt and the official documents by email, with full legal validity.

Related procedures

Based on the legislation in force and on the official site of the competent authority: ENISA, Empresa Nacional de Innovación (Portal del Cliente) ↗.

Managora Gestion SL (company number B88823893) is a private company. We are not ENISA, Empresa Nacional de Innovación (Portal del Cliente), we are not affiliated with, authorised or endorsed by any public authority, and this website is not an official government portal. What you pay on this page is our fee for preparing, signing and filing the procedure on your behalf: it is separate from the official tasa, which where applicable belongs to the authority and is shown to you separately. You can carry out this procedure yourself, directly with ENISA, Empresa Nacional de Innovación (Portal del Cliente).

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