Preferably Small and Medium-Sized Enterprises (SME), as defined in the Commission Recommendation 2003/361/CE, of 6 May, located in the Autonomous Region of Madeira, with SME certification obtained through the website

Types Of Operation

  • Tangible and/or intangible investments, as well as working capital, limited to a maximum of 10% of the total investment;
  • Acquisition of real estate, provided that it is used for business activity;
  • Acquisition of land, with or without buildings, provided that it is used for business activity, this portion of funding being limited to a maximum of 10% of the total eligible expenditure for the operation.

Conditions For Access


  • To have fulfilled all licensing requirements;
  • To have a balanced economic and financial situation, or to demonstrate ability to fund the operation;
  • To have fulfilled all obligations before the Tax Authority and Social Security;
  • To have no debts to entities paying the financial support;
  • To have no unjustified incidents with the Banks.


Maximum Amount Per Project

€4.25 million.

Repayment Period

  • Up to 6 years, inclusive and including a grace period of up to 12 months, for funding up to €250,000;
  • Up to 10 years, inclusive and including a grace period of up to 18 months, for funding operations over €250,000.

Interest Rate

  • Applied, by agreement between the Credit Institution and the beneficiary, in a fixed or variable interest rate modality, being the maximum spread to be applied by the bank 3.4%.
    • The interest rate will be subsidised by 60% of the contracted spread, with the possibility of this subsidy being increased cumulatively by:

a) 20% when the company creates or maintains the volume
of employment;
b) 20% when the project fulfils the innovation criteria
defined by the Managing Entity of the Credit Line.

Mutual Guarantee

  • Provision of a mutual guarantee up to 80% of the outstanding capital at each moment in time;
  • Mutual guarantee fee up to 1.6%, fully subsidised.


Submitted to one of the following Credit Institutions:

  • Bankinter
  • BPI
  • Caixa Central de Crédito Agrícola Mútuo
  • Caixa Geral de Depósitos
  • EuroBic
  • Novo Banco
  • Millennium BCP
  • Santander
The consultation of this information does not waiver the reading of the disclosure document.

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