More favourable investment financing for SMEs
Micro, small and medium-sized enterprises can still apply for financing under the P1 Plus 2026 programme of the Slovenian Enterprise Fund (SEF).
The programme provides guarantees for bank loans combined with a subsidised interest rate and is intended for businesses planning new investments.
The final scheduled application deadline is 15 October 2026.
Loans of up to €1.25 million
Under the programme, a company can obtain a bank loan of up to €1.25 million.
The SEF guarantee can cover up to 60% of the loan principal, while the loan itself may finance up to 80% of eligible project costs.
Another important benefit is the subsidised interest rate:
6-month EURIBOR + 0.50%.
Loan maturities range from 1.5 to 10 years, allowing businesses to align repayment with the size and expected return of their investment.
What investments can be financed?
The programme is primarily intended for investment projects, including:
- purchase, construction or renovation of business premises,
- purchase of new machinery and equipment,
- other eligible investments related to business development.
Companies should check the detailed eligibility requirements before applying.
An SEF guarantee does not automatically mean that a bank loan will be approved. The company must also meet the participating bank’s requirements and demonstrate adequate creditworthiness.
Why is the SEF guarantee attractive?
For larger investments, companies may face difficulties in providing sufficient collateral for a bank loan.
An SEF guarantee covers part of the bank’s risk and can therefore improve access to financing.
The subsidised interest rate can also significantly reduce financing costs, particularly for longer-term investment loans.
Final deadline: 15 October 2026
The final scheduled application deadline for P1 Plus 2026 is 15 October 2026.
Businesses should also be aware that the programme may close earlier if the available funds are exhausted.
Companies with investment projects already prepared should therefore not wait until the final day to apply.
Financing must remain sustainable
Favourable financing does not automatically make every investment financially viable.
Before taking out a loan, businesses should consider:
expected return → monthly repayments → cash flow → existing debt → liquidity.
A profitable company can still experience liquidity problems if investment spending is high or customers pay slowly.
👉 K2A advises: When planning a major investment, do not focus only on how much financing you can obtain. Calculate how much additional cash flow the investment must generate for the company to repay the loan comfortably.