P1 Plus 2026 remains open to SMEs
Slovenian micro, small and medium-sized enterprises still have an opportunity to apply for P1 Plus 2026, a financing programme offered by the Slovenian Enterprise Fund.
The programme combines a guarantee for a bank loan with a subsidised interest rate and is intended primarily for businesses planning new investment projects.
The final scheduled application deadline is 15 October 2026.
Up to €1.25 million per company
Businesses may obtain a bank loan of up to €1.25 million under the programme.
The Slovenian Enterprise Fund can provide a guarantee covering up to 60% of the loan principal, while the bank loan can finance up to 80% of eligible investment costs.
The subsidised interest rate is:
6-month EURIBOR + 0.50%.
Loan maturities range from 1.5 to 10 years.
What can businesses finance?
Eligible investment projects can include business premises, new machinery and equipment and other qualifying investments connected with the company’s development.
Businesses should review the detailed conditions before applying and coordinate the financing with a participating bank.
The SEF guarantee does not replace the bank’s credit assessment.
Why can the guarantee help?
One of the obstacles businesses encounter when financing major investments is the requirement to provide sufficient collateral.
By guaranteeing part of the principal, the Slovenian Enterprise Fund reduces part of the bank’s risk.
Combined with the subsidised interest rate, this can make investment financing more accessible and less expensive for eligible SMEs.
Do not wait until the final deadline
The final scheduled application deadline is 15 October 2026, although the programme may close earlier if the available funds are exhausted.
Companies with investment projects already prepared should therefore check their eligibility and financing options as soon as possible.
A favourable loan still has to be repaid
The availability of subsidised financing should not be the reason for making an investment.
Management should first determine whether the investment makes economic sense and whether the company will generate sufficient cash flow to service the debt.
👉 K2A advises: Before taking on new investment debt, prepare a realistic cash-flow projection. A good investment should strengthen the business rather than create unnecessary pressure on its liquidity.