Social sector

Préstecs pel sector social

The ICF offers financing solutions tailored to the needs of companies and projects that put people front and centre and strive to make a positive impact on society. We have loans with flexible and long-term conditions to finance investments to ensure social justice through our partnership with the Ministry of Business and Labour (MBL) and the European Investment Fund (EIF), which provide access to guarantees for social and cooperative economy projects in Catalonia.

If your project contributes to collective wellbeing and a fairer and more sustainable future, you have our full credit!

With the support of

Learn about our financial solutions for the social and cooperative economy

  • Loans for social transformation projects

We finance initiatives that improve people’s quality of life and promote social inclusion. Access our flexible financing with preferential terms to turn your social projects into reality.

  • Support for cooperative and collaborative initiatives

We support cooperatives, solidarity economy companies and collaborative projects that promote joint work and equitable profit sharing. ICF loans are available to finance the acquisition of fixed, tangible or intangible assets that enable social initiatives to be implemented.

  • Everyday operational financing requirements

We have loans to finance the operating expenses of social enterprises such as stock purchases, customer financing and cash flow.

Financial conditions

Between €20,000 and €2M per transaction, and up to €7.5M per customer.

Up to 10 years, including a grace period of up to 2 years.

12-month EURIBOR plus a spread from 1.2% to 3.45%.

Arrangement fee of at most 0.50%, and for early repayment to be determined according to the project and term.

To be determined depending on the project.

Between €20,000 and €2M per transaction, and up to €7.5M per customer.

Up to 5 years.

12-month EURIBOR plus a spread from 1.2% to 3.45%. 

Arrangement fee of at most 0.50%, and for early repayment to be determined according to the project and term.

To be determined depending on the project.

Financial solutions for the social sector