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The resolution publishes the terms of the first phase of the guarantee line to cover financing provided by financial entities to businesses and self-employed affected by civil protection emergencies. This mechanism is regulated by art. 2 of RDL 12/2025 and art. 22 of RDL 5/2026, allowing affected parties to access guarantees on behalf of the State within 30 days of emergency notification. A key condition is that the financing was granted by financial entities to third parties.
For businesses and self-employed individuals affected by civil protection emergencies, direct access to state guarantees is available, reducing financial risks. Financial institutions can obtain guarantees for loans granted to third parties. Advisors must verify whether the case meets the emergency criteria and the type of financing. The Ministry of Economy and the Official Credit Institute manage the process and set the coverage limits.
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