Agri-food SMEs and entrepreneurs: access to participatory loans via the Agroinnpulso 2026 Line

In 3 key points

1. I
   Fixed interest rate: Euribor plus 2 percentage points (rating A1-C2) or plus 3.75 percentage points (rating C3 and refinancings), clause four (cláusula cuarta)
2. II
   Second interest trancheproportionate to pre-tax profit on average shareholders' funds, clause four (cláusula cuarta)
3. III
   Interest reduction in first tranche if the loan is guaranteed by FEI, clause four (cláusula cuarta)

How it affects those involved

SMEs in the agri-food sector gain access to flexible financing with interest rates and variable caps linked to credit ratings. A1-rated firms enjoy lower fixed rates (Euribor + 2%) and lower variable caps (3.000%) compared to C3-rated firms (8.000%). FEI-guaranteed loans receive additional interest reductions based on credit rating.

Frequently asked questions

Who is this loan line directed at?

It is aimed at supporting entrepreneurship and innovative SMEs in the agri-food and rural sectors (convention).

How is the loan interest calculated?

It consists of a fixed tranche (Euribor plus a differential based on rating) and a variable tranche based on pre-tax profit on average shareholders' funds (clause four).

Is there a benefit if the loan is guaranteed by FEI?

Yes, the interest rate in the first tranche is reduced by specific percentages based on the company's credit rating (clause four).

Lifecycle