This Order regulates the procedure for small and medium-sized enterprises with high R&D investment intensity to request the deferral and installment payment of state loan installments without the need to provide guarantees. The mechanism aims to mitigate liquidity tensions arising from long technological maturation periods and the current economic scenario (Order PJC/808/2026). To this end, a certification is established to be issued by the Ministry of Science, Innovation and Universities, accrediting the company's status and the debt eligible for this measure.
High-I+D+I SMEs, particularly in biotechnology, can manage financial pressures without sacrificing assets through guarantee waivers, provided they obtain a specific certification from the Ministry of Science, Innovation and Universities to demonstrate financial viability and temporary difficulties.
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