Slovenian micro, small and medium-sized enterprises (SMEs) can now benefit from highly competitive liquidity loans provided by the Slovenian Enterprise Fund (Slovenski podjetniški sklad – SPS). These loans, ranging from EUR 15,000 to EUR 100,000, are designed to provide businesses with easy and quick access to funding sources for smaller investments or working capital needs.

Promoter: Slovenian Enterprise Fund (SPS)
Application period: September 19, 2025 – October 14, 2025 (applications must be submitted electronically via the SPS ePortal by 14:00)

Full details on the SPS website

Who can apply?

Eligible applicants include businesses that

  1. Have at least one employee
  2. Be established before January 1, 2024
  3. Located in the Cohesion Region of Eastern or Western Slovenia

Purpose of loans

Liquidity loans are designed to help companies finance a wide range of business needs. Funds can be used to

  1. Purchase of new equipment and machinery
  2. Investing in business real estate, including acquisition, construction, renovation, and land development
  3. Acquisition of patented rights and licenses
  4. To cover current operating costs, such as materials, goods, services, employee salaries, and other operating expenses.

The total amount available for this call is EUR 20 million.

Loan amount and conditions

  1. Loan size: EUR 15,000 to EUR 100,000 (one application per company)
  2. Interest rate: Fixed at 1.8% per annum
  3. Repayment period:
    1. 2 to 5 years for loans of EUR 15,000-50,000
    1. 2 to 7 years for loans of EUR 50,001-100,000
  4. Grace period (moratorium): up to 6 months, extendable to 24 months (included in total repayment period)
  5. Coverage: up to 100% of eligible project costs
  6. Collateral:
    1. 8 promissory notes for loans of EUR 15,000-50,000
    1. 8 promissory notes plus personal guarantee for loans of EUR 50,001-100,000
  7. No application or administration fees

The maximum total loan amount a company can receive (including other SPS loan programs P7R 2025, P7 2025 or P7-2 2025) cannot exceed 30% of the company’s net sales in 2024.

Funds will be disbursed in a single installment within 45 days of approval. Repayment is made in monthly installments.

Eligible costs

  1. Investment in fixed assets, such as new equipment and machinery
  2. Business real estate investment (purchase, construction, renovation, adaptation)
  3. Materials and goods
  4. Services
  5. Labor costs, including net wages, income taxes, social security contributions, and reimbursement of transportation, meals, and vacation allowances.

State aid under the de minimis rule will be provided for eligible costs incurred between August 1, 2025 and November 30, 2026.

At SIBIZ we specialize in providing full support to individuals, business professionals, digital nomads, entrepreneurs, SMEs, and corporations doing business in Slovenia. Our services include legal, tax, accounting, immigration, and business advisory solutions tailored to your needs. We help clients successfully navigate funding opportunities such as the Slovenian Enterprise Fund programs and ensure compliance at every stage of business growth.

For more information, contact us at www.sibiz.eu