Loans with Slovak Investment Holding (SIH) Guarantee and Grants for Entrepreneurs
In cooperation with Slovak Investment Holding, we offer entrepreneurs preferential loans with a state guarantee and the possibility to obtain a grant that reduces the overall financing costs.
The program supports investment projects throughout Slovakia focused on the development and modernization of business through investments in real estate, technology, digitization, automation, sustainable solutions, and mobility.
What you can use the loan for
Real estate
- purchase of real estate
- construction of real estate
- reconstruction of real estate
- technical improvement of buildings
- increasing energy efficiency of buildings
Technologies and Equipment + Mobility
- purchase of electric machines and equipment
- purchase of electric production technology
- purchase of electric vehicles
- expansion of company fleet with electric vehicles
Digitization and Automation
- implementation of IT systems, digitization of business processes, and modernization of management and control
- automation of production or services, robots and advanced robots, AGV/IGV transport devices
- data collection from devices and processes (sensorics), big data, cloud for smart industry and data centers
- artificial intelligence and machine learning, digital simulations
- industrial camera systems (Machine Vision), machine and computer vision
- virtual and augmented reality
- 3D scanning and 3D printing (additive manufacturing)
Sustainability and Circular Economy + Certificates
- circular economy projects
- waste reduction
- recycling and reuse of materials
- environmental investments
The client must hold a certificate according to the loan purpose on the day of loan application or when drawing the grant.
Grant conditions
- The loan has been fully drawn
- The grant applies exclusively to investment installment loans
- The bank has received agreed documents confirming that the investment is completed and implemented in the company by 30.6.2029 at the latest
Grant
- Calculated from the amount of the drawn installment loan
- Provided as an extraordinary principal repayment after meeting conditions
- The extraordinary repayment is made in the calendar quarter following the quarter in which the client applies for the grant
The amount of the granted grant depends on:
- company size category
- purpose of financing
- location of the planned investment
Grant Calculation Table
Grant Amounts for Micro, Small, and Medium Enterprises
| Alokácia projektu | Účel projektu | |||
|---|---|---|---|---|
| Investments to Support SME Development | NRO/FST | Digitization and Automation / Circular Economy | ||
| Eastern Slovakia | 15 % | +5 % | +5 % | |
| Central Slovakia | 12,5 % | +5 % | ||
| Western Slovakia | 10 % | +5 % | ||
| Bratislava region | 0 %* | - | ||
| City of Košice | 10 % | +5 % | ||
*If the investment is implemented by 31.12.2025 in the field of digitization and automation, the grant amount is 15%.
Grant amounts for large enterprises
| Alokácia projektu | Účel projektu | |||
|---|---|---|---|---|
| Investments to Support SME Development | NRO/FST | Digitization and Automation / Circular Economy | ||
| Eastern Slovakia | 0 % | +2,5 % | 2,5 % | |
| Central Slovakia | 0 % | +2,5 % | 2,5 % | |
| Western Slovakia | 0 % | +2,5 % | 2,5 % | |
| Bratislava region | Nie je možné financovanie | |||
| City of Košice | 0 % | +2,5 % | 2,5 % | |
Basic loan parameters
- In the form of an installment loan
- Maturity up to 10 years
- Loan amount from 10,000 to 2,812,500 EUR
- Grant up to 25% of the loan amount
- Secured by a guarantee covering up to 80% of the loan amount
Who is the loan intended for
- Individual entrepreneur
- Micro, small, and medium enterprises
- Large enterprises
Basic conditions for obtaining the loan
- The client is registered in the public sector partners register if the RPVS law applies to them
- Not excluded from the applicable de minimis aid framework
- Falls within the bank’s financed sectors
- Additional loan conditions can be found in the agreement
Where to apply for a loan with SIH guarantee and grant?
Financing Guide with SIH Guarantee and Grant
The first step to obtaining a business loan is a consultation of the financing purpose, during which the compliance of the investment with the guarantee and grant program conditions is assessed.
The consultation can be done:
The consultation can be done:
- in person at a Tatra banka branch or corporate center,
- via the DIALOG Live service at *1100.
After the consultation, the loan application is submitted. The bank assesses the company’s financial situation and evaluates whether the requested financing purpose meets the criteria of the guarantee and grant program.
Required for evaluation:
To evaluate, it is necessary to submit:
- standard documents needed for business loan approval
- additional information necessary to assess criteria set by the guarantee and grant program
At application submission, indicative information about the possible loan amount and grant amount is provided.
Loan application approval is individual and depends on several factors.
The assessment mainly considers:
- financial situation and stability of the company
- conditions of the guarantee and grant program
- chosen loan amount
- financing structure
The final grant amount is determined based on the investment location, financing purpose, and company size category, and the client is informed about it during or after the loan approval.
Loan funds are sent to the account of the supplier of the specific service, technology, or seller.
To draw the loan, documents proving the financing purpose must be submitted, especially:
- purchase contract
- invoice
- or other relevant documents.
After the investment is completed, the bank must be informed and an application for grant drawdown submitted. Upon meeting the grant drawdown conditions, the grant is credited to the client’s account as an extraordinary loan repayment, reducing the outstanding balance.
The loan is secured by a guarantee from National Development Fund III., s.r.o., part of the Slovak Investment Holding group.
Frequently asked questions
Applicants must not operate in so-called excluded sectors, which include agriculture, the tobacco industry, betting offices, casinos, and the defense industry.
The loan can be used for a wide range of investments that contribute to the company's assets. These investments may include the acquisition, reconstruction, and renovation of real estate, as well as the procurement of machinery and technology. Special support is provided for investments focused on digitalization, automation of products and processes, as well as the implementation of a circular economy in enterprises.
The grant will be provided only after the successful completion of the project activities. The applicant is required to inform the bank of this fact, after which the bank will initiate the grant application process, which will be used for the early repayment of part of the loan.
No, the grant is tied to the early repayment of the loan. This way, it reduces the amount of monthly installments or shortens the loan term, thereby improving the financial sustainability of the company.
https://www.tatrabanka.sk/en/business/financing-options/loans-guarantees/loans-guarantees-support-smes/