Second-Floor Facilities

Designed to finance the activities and projects of the self-employed, SMEs and companies, as well as their international expansion


ICO Facilities offer enterprises and the self-employed financing schemes to enable them to undertake their investment projects and meet their liquidity needs.

The loans provided under ICO's second-floor facilities feature long repayment terms, preferential interest rates and simple paperwork and may be obtained through leading banks and savings banks established in Spain. Loans are granted through private credit institutions, who assume the credit risk associated with each operation. Conditions of loans are established by ICO in transparent terms.

ICO's facilities  are focused on two main areas of activity: SMEs and Entrepreneurs, and Internationalisation. These two major facilities will allow investment projects to be funded as well as the liquidity needs of businesses and the self-employed, both domestically and abroad:

Here is the full catalogue of ICO Facilities, designed to finance the business activities and investment projects of the self-employed, entrepreneurs and companies, as well as their internationalisation processes, with the objective of covering all stages of business development. Select the ICO Facility most suited to your needs. Take the plunge!

Full catalogue of ICO Facilities

According to the recipient of the financing.

  • manos y ordenadores


    To finance your business activities and investment projects related to activities in Spain

  • manos y ordenadores


    To internationalise your business of finance your the business activity abroad

Your business moves forward with the ICO Facilities

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