BPF InvestEU Guarantee Line
SMEs and Small MidCaps

The objective of this line is to support companies in promoting operations aimed at: Sustainable Investment, Investment, and Working Capital.

Global Deadline

Up to 48 months

Financing

Up to 8.250.000,00€

Grace Period

Up to 180 months

Eligible Entities

SMEs
Small MidCaps

BPF InvestEU Guarantee Line
SMEs and Small MidCaps

The objective of this line is to support companies in promoting operations aimed at: Sustainable Investment, Investment, and Working Capital.

Global Deadline

Up to 48 months

Financing

Up to 8.250.000,00€

Grace Period

Up to 180 months

Eligible Entities

SMEs
Small MidCaps

Objectives and characteristics

  • The objective of this line is to support companies in promoting operations aimed at:
    • Sustainable Investment
    • Investment
    • Working Capital

  • SMEs
  • Small MidCaps
  • Obligations of Beneficiaries
    • Have their headquarters and carry out activities in Portugal
    • Have no unresolved incidents with banks at the time of contracting
    • Be in compliance with the tax authority (AT) and social security (SS) at the time of financing
    • Comply with current legislation, particularly regarding anti-money laundering and counter-terrorism financing

  • Eligible Operations
    • Sustainable Investment (MLP Financing)
      • Waste management
      • Rehabilitation of land and industrial properties
      • Pollution reduction and control
      • Sustainable mobility in economic activities
      • Increase in energy efficiency
      • Production of clean or CO₂-neutral fuels
      • Production of renewable energy
      • Products aimed at increasing durability, recyclability, and long-term use
      • Raw materials: reduce consumption, increase usage, sustainable/biological by-products
      • Secondary raw materials: increase usage and quality
      • Land, agriculture, and forestry: promote sustainable management, respect biodiversity, soil recovery, avoid deforestation and ecosystem degradation
      • Matérias-primas secundárias, aumento da utilização e da qualidade
      • Terrenos, agricultura e floresta, promover uma gestão sustentável, com respeito pela biodiversidade, recuperação dos solos, evitando a desflorestação e degradação dos ecossistemas
    • Investment (MLP Financing)
      • Investimento em ativos fixos corpóreos e incorpóreos e fundo de maneio
      • Limite: até 20% do montante de financiamento
    • Working Capital (MLP Financing)
      • Finance structural working capital needs

  • Maximum Financing Amount
    • Sustainable Investment:
      • Up to €8,250,000
    • Investment:
      • Up to €5,000,000
    • Working Capital:
      • Up to €2,000,000
    • Note: The total maximum financing per company, across all three sub-lines, cannot exceed €8,250,000
  • Global Financing Term
    • Sustainable Investment:
      • Up to 36 months
    • Investment:
      • Up to 36 months
    • Working Capital:
      • 12 to 48 months
  • Grace Period
    • Sustainable Investment:
      • 12 to 180 months
    • Investment:
      • 12 to 144 months
    • Working Capital:
      • Up to 6 months
  • Mutual Guarantee
    • Sustainable Investment:
      • 75%
    • Investment:
      • 50%
    • Working Capital:
      • 50%
  • Counter-Guarantee Percentage
    • 80% for all investments

Objectives and characteristics

The objective of this line is to support companies in promoting operations aimed at:
Sustainable Investment
Investment
Working Capital

SMEs
Small MidCaps
Obligations of Beneficiaries
Have their headquarters and carry out activities in Portugal
Have no unresolved incidents with banks at the time of contracting
Be in compliance with the tax authority (AT) and social security (SS) at the time of financing
Comply with current legislation, particularly regarding anti-money laundering and counter-terrorism financing

Eligible Operations
Sustainable Investment (MLP Financing)
Waste management
Rehabilitation of land and industrial properties
Pollution reduction and control
Sustainable mobility in economic activities
Increase in energy efficiency
Production of clean or CO₂-neutral fuels
Production of renewable energy
Products aimed at increasing durability, recyclability, and long-term use
Raw materials: reduce consumption, increase usage, sustainable/biological by-products
Secondary raw materials: increase usage and quality
Land, agriculture, and forestry: promote sustainable management, respect biodiversity, soil recovery, avoid deforestation and ecosystem degradation
Matérias-primas secundárias, aumento da utilização e da qualidade
Terrenos, agricultura e floresta, promover uma gestão sustentável, com respeito pela biodiversidade, recuperação dos solos, evitando a desflorestação e degradação dos ecossistemas
Investment (MLP Financing)
Investimento em ativos fixos corpóreos e incorpóreos e fundo de maneio
Limite: até 20% do montante de financiamento
Working Capital (MLP Financing)
Finance structural working capital needs

Maximum Financing Amount
Sustainable Investment:
Up to €8,250,000
Investment:
Up to €5,000,000
Working Capital:
Up to €2,000,000
Note: The total maximum financing per company, across all three sub-lines, cannot exceed €8,250,000
Global Financing Term
Sustainable Investment:
Up to 36 months
Investment:
Up to 36 months
Working Capital:
12 to 48 months
Grace Period
Sustainable Investment:
12 to 180 months
Investment:
12 to 144 months
Working Capital:
Up to 6 months
Mutual Guarantee
Sustainable Investment:
75%
Investment:
50%
Working Capital:
50%
Counter-Guarantee Percentage
80% for all investments