ICO loan through your bank for self-employed people and businesses

ICO loan through your bank for self-employed people and businesses is filed with Su banco (entidad de crédito que colabora con el ICO) y, si hace falta aval, la SGR de su comunidad. 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 €399. Official tasa (government fee): No tasa (official fee). If the lender grants the financing, the bank may charge an upfront fee, which together with the interest cannot exceed the maximum APR (TAE) the ICO sets for that term, and, in ICO Empresas y Emprendedores and ICO Garantía SGR/SAECA, a voluntary early repayment fee (1 % at a fixed rate, up to 0,50 % at a variable rate) and, if agreed with your business, a commitment fee when the money is drawn down in stages, which does not count towards the maximum APR. If an SGR guarantee is needed, the SGR charges an assessment fee and a guarantee fee, agreed with it, and asks you to subscribe shares in its capital, which are refundable. Your business pays all of this directly to those institutions.

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We handle your application for liquidity, investment or invoice advance funding through the ICO lines requested at the bank (Empresas y Emprendedores, Crédito Comercial, Exportadores or Garantía SGR/SAECA) or through your region's scheme if it works out better. We choose the route with your figures, prepare the file (statement of the purpose of the funds, cash-flow forecast and schedule of debts) and submit and negotiate it with your bank, and with the SGR if a guarantee is needed, until they reply. The loan is signed by your business with the lender, which decides whether to grant it.

What we charge you: from €399
Managora's fee: €399.00 (21% VAT incl.)
Tasa (official government fee): No tasa (official fee). If the lender grants the financing, the bank may charge an upfront fee, which together with the interest cannot exceed the maximum APR (TAE) the ICO sets for that term, and, in ICO Empresas y Emprendedores and ICO Garantía SGR/SAECA, a voluntary early repayment fee (1 % at a fixed rate, up to 0,50 % at a variable rate) and, if agreed with your business, a commitment fee when the money is drawn down in stages, which does not count towards the maximum APR. If an SGR guarantee is needed, the SGR charges an assessment fee and a guarantee fee, agreed with it, and asks you to subscribe shares in its capital, which are refundable. Your business pays all of this directly to those institutions.
Processing time: ICO bank-channel lines can be signed throughout 2026. The response time is set by each bank or SGR: the ICO's fact sheets do not set one.
Where it is filed: Su banco (entidad de crédito que colabora con el ICO) y, si hace falta aval, la SGR de su comunidad ↗
What you receive: Application

Cost breakdown: Funding of up to 50.000 €: 399 €. Funding of 50.001 to 300.000 €: 599 €. Funding of over 300.000 €: 899 €. VAT included in all three. No tasa (official fee): the bank's fees and, if a guarantee is needed, the SGR's fees are paid by your business to those institutions..

ICO loan through your bank for self-employed people and businesses: how is it filed?

1Answer the questions (around 15 minutes) and upload the documents.
2If any answer shows that this route does not suit you, we tell you before you pay.
3Payment according to the amount you need: 399 €, 599 € or 899 € (VAT included).
4With your figures we choose the route: ICO Empresas y Emprendedores, ICO Crédito Comercial, ICO Exportadores, ICO Garantía SGR/SAECA or your region's scheme, if it works out better.
5We prepare the file: statement of the purpose of the funds, cash-flow forecast, schedule of debts and the documents in order.
6We submit and negotiate it with your bank or banks, and with the SGR if a guarantee is needed, until they reply. If the lender grants it, your business signs the loan with it.

Which documents do you need?

•Company or other entity with closed financial years: annual accounts and, if it files them, corporate income tax returns (Modelo 200) for the last two financial years.
•Self-employed with closed years: income tax return (Modelo 100) and, if you file it, annual VAT summary (Modelo 390) for the last two years.
•Company or other entity: deed of incorporation and deed of appointment or power of attorney of whoever signs.
•DNI or NIE of whoever signs.
•If you are requesting an invoice advance: the invoices or orders you want an advance on.
•If you are requesting investment funding: the quotes or pro forma invoices for the investment.
•Optional: this year's interim figures, list of current loans, and business plan or forecasts, if you already have them.

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

Legal basis and things to bear in mind

Status at 7 October 2026: there is currently no line called «ICO Liquidez» (the covid guarantee line is listed as inactive). Through a bank, liquidity is requested via ICO Empresas y Emprendedores, ICO Garantía SGR/SAECA, ICO Crédito Comercial (advances on invoices to customers in Spain) or ICO Exportadores (sales abroad), and all of them can be signed throughout 2026.
These lines are requested at the bank, not from the ICO: the bank assesses the operation, decides, sets the security and takes on the risk, and it also sets the maximum amount (up to 100 % of your needs). If one bank says no, it can be submitted to another; once the loan is signed, you can no longer switch banks.
Cost: the maximum APR (TAE) is the rate plus a margin of up to 2,30 % at 1 year, 4,00 % at 2, 3 or 4 years and 4,30 % at 5 years or more (in Crédito Comercial and Exportadores, variable rate plus up to 2,30 %). The bank may charge an upfront fee as long as, added to the interest, it does not exceed that maximum APR, which the ICO updates every fortnight (every week for Crédito Comercial and Exportadores). On ICO Empresas y Emprendedores and ICO Garantía SGR/SAECA the bank may also agree a commitment fee (comisión de disponibilidad) with your business if the funds are drawn down in stages, which is not counted within that maximum APR.
Terms: ICO Empresas y Emprendedores, from 1 to 20 years; ICO Garantía SGR/SAECA, from 1 to 15 years. The grace period depends on the term: up to 6 years, 0 or 1 year; 7 to 9 years, up to 2; 10 years or more, up to 3. For advances, invoices must fall due no more than 180 days after signing.
If a guarantee is needed, the SGR decides case by case and can guarantee up to 100 % of the operation. Your business becomes a member of the SGR (with refundable shares) and pays a study fee and a guarantee fee, which are agreed with the SGR and are not counted within the ICO's maximum APR.
Several regions have their own schemes with their SGR that subsidise the interest or the cost of the guarantee, with conditions and budgets that change. With your region we check whether one is open and whether it works out better than the ICO line.
The ICO does not charge for access to its lines: our price is for preparing the file and negotiating it with the lenders. The decision to grant it rests with the bank and, where applicable, the SGR: we cannot guarantee it. Signing the loan and the bank's or SGR's fees are not included.

ICO loan through your bank for self-employed people and businesses: frequently asked questions

ICO loan through your bank for self-employed people and businesses: how much does it cost?

We charge you from €399: our fee plus, where applicable, the fixed official tasa we advance. Funding of up to 50.000 €: 399 €. Funding of 50.001 to 300.000 €: 599 €. Funding of over 300.000 €: 899 €. VAT included in all three. No tasa (official fee): the bank's fees and, if a guarantee is needed, the SGR's fees are paid by your business to those institutions.. Managora's fee is €399.00, 21% VAT included (€329.75 net + €69.25 VAT). The official tasa charged by the authority (a suplido paid on your behalf, no VAT) is: No tasa (official fee). If the lender grants the financing, the bank may charge an upfront fee, which together with the interest cannot exceed the maximum APR (TAE) the ICO sets for that term, and, in ICO Empresas y Emprendedores and ICO Garantía SGR/SAECA, a voluntary early repayment fee (1 % at a fixed rate, up to 0,50 % at a variable rate) and, if agreed with your business, a commitment fee when the money is drawn down in stages, which does not count towards the maximum APR. If an SGR guarantee is needed, the SGR charges an assessment fee and a guarantee fee, agreed with it, and asks you to subscribe shares in its capital, which are refundable. Your business pays all of this directly to those institutions..

ICO loan through your bank for self-employed people and businesses: how long does it take?

ICO bank-channel lines can be signed throughout 2026. The response time is set by each bank or SGR: the ICO's fact sheets do not set one.

ICO loan through your bank for self-employed people and businesses: which documents do I need?

You need to have to hand: Company or other entity with closed financial years: annual accounts and, if it files them, corporate income tax returns (Modelo 200) for the last two financial years., Self-employed with closed years: income tax return (Modelo 100) and, if you file it, annual VAT summary (Modelo 390) for the last two years., Company or other entity: deed of incorporation and deed of appointment or power of attorney of whoever signs., DNI or NIE of whoever signs., If you are requesting an invoice advance: the invoices or orders you want an advance on., If you are requesting investment funding: the quotes or pro forma invoices for the investment., Optional: this year's interim figures, list of current loans, and business plan or forecasts, if you already have them.. 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 Su banco (entidad de crédito que colabora con el ICO) y, si hace falta aval, la SGR de su comunidad. 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: Su banco (entidad de crédito que colabora con el ICO) y, si hace falta aval, la SGR de su comunidad ↗.

Managora Gestion SL (company number B88823893) is a private company. We are not Su banco (entidad de crédito que colabora con el ICO) y, si hace falta aval, la SGR de su comunidad, 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 Su banco (entidad de crédito que colabora con el ICO) y, si hace falta aval, la SGR de su comunidad.

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