Loans & Funding for startups
Government-backed loans, guarantees and funds for startups. Cheaper than equity, but usually need a registered company and a repayment plan.
Largest: Innovation Credit (Innovatiekrediet) (Loan covering up to 45% of project costs), Smart&Start Italia (Zero-interest loans up to €1.5M), High-Tech Gründerfonds (Seed investment up to €1M+). Available in Netherlands, Italy, Spain, Brazil, United Kingdom, Ireland, Canada, Germany.
Innovation Credit (Innovatiekrediet)
Risk-bearing loan for innovative development projects; repaid only on success.
Smart&Start Italia
Interest-free financing covering up to 80% of expenses for innovative startups.
High-Tech Gründerfonds
Germany's most active seed investor, backed by the federal government.
ENISA Young Entrepreneurs
Unsecured, founder-friendly loans for Spanish startups.
Finep Startup
Federal innovation agency investing in technology startups.
Start Up Loans
Government-backed personal loans with 12 months of free mentoring.
Competitive Start Fund
Early-stage funding for high-potential startups in Ireland.
Futurpreneur Start-up Program
Start-up financing and mentorship for young entrepreneurs.
