Loans with guarantees to support SMEs and other selected priorities

Basic conditions for obtaining a loan:

• The applicant must be classified as a small and medium-sized enterprise (SME) with up to 250 employees, or as a large enterprise with more than 250 employees.
• The applicant must be registered and conducting business activities in the territory of the Slovak Republic.
• The applicant must not operate in sectors that are excluded from bank financing.
• The company's executive must have a clean legal status and meet all requirements for obtaining EU support, including the absence of criminal records.
• The total amount of current and newly granted de minimis aid to the client or group of connected enterprises over the previous three years must not exceed 300 000 EUR.

Purpose of support for Small and Medium-sized enterprises

• General investments to support the development of micro, small, and medium-sized enterprises in various sectors of the economy
• General investments to support various sectors of the economy
• Circular economy
• Digitalization and automation
• Projects focused on research and development (until December 31, 2025)

Purpose of support for Large enterprises

• Circular economy
• Digitalization and automation
• Projects focused on research and development (until December 31, 2025)

Grant

Paid from the amount of the provided and drawn installment loan upon fulfillment of the following conditions:

• the loan has been drawn and the investment completed
• the grant will be used for an extraordinary repayment of part of the loan principal
• the grant applies only to the investment installment loan
• the investment is completed and implemented in the company by June 30, 2029
• the maximum amount of aid is 300,000 EUR (guarantee and grant)

The amount of the granted aid depends on:

• the size category of the enterprise
• the purpose of financing
• the location of the planned investment

Amount of grants for micro, small, and medium-sized enterprises

*In the case of implementing the investment by December 31, 2025, in the area of digitalization and automation, the grant amount is 15 %.

Amount of grants for large enterprises

Eligible purposes for financing

• innovative business models utilizing digital technologies
• digitalization and automation of production and management
• development of artificial intelligence and security
• modernization of products and services through digital solutions
• overall development of the competitiveness of the enterprise
• implementation of product and process innovations within the enterprise
• transition to a green and circular economy
• mitigation of the impact of unexpected crisis events on the enterprise

Example of grant calculation

The applicant is a small and medium-sized enterprise (SME) with 10 employees, annual revenues of 2 million EUR, and assets of 500 000 EUR, located in the Kežmarok district. The company plans to invest in digitalization and automation, specifically the purchase of a modern industrial robot. This investment also involves renovations and extensions of production facilities.

• Total loan: 100 000 EUR
   
  • Regional grant (Eastern Slovakia): 15 %
  • Grant for digitalization and automation: 5 %
  • Grant for least developed districts: 5 %
• Total grant: 25 000 EUR (25 % of eligible expenses)

Upon completion of the investment, the company will receive a grant of 25 000 EUR, which will be in the form of an extraordinary repayment.

The loan is secured by a guarantee from the National Development Fund III, s.r.o., part of the Slovak Investment Holding group

Frequently asked questions