ICF Ecoverda

Loans to promote sustainable investments in the green economy, circular economy, energy efficiency or climate change mitigation. Finance your project with a positive environmental impact!

Who can apply for this loan?

Self-employed people, companies and organisations (public or private), energy communities and homeowners’ associations with registered or operational headquarters in Catalonia.

Sustainable Development Goals

Financial conditions

For private entities, generally between €0.5 million and €2.5 million per project; for public ones, between €2.5 million and €10 million. If a higher amount is needed it is possible to co-finance the project with another financial institution. You can finance up to 100% of the investment. The ceiling for transactions benefiting from an EIF guarantee is €2 million per transaction.

For private entities, at most 20 years; for public ones, up to 30 years including the option of a two-year grace period included in the term.

12-month EURIBOR plus a spread up to 2.80% depending on the risk profile of the company and the project. The maximum spread for transactions benefiting from an EIF guarantee is 3.79%.

In the case of entities subject to the principle of financial prudence, the interest rate will be applied in accordance with the regulations.

Arrangement fee, at most 0.25%; total or partial early settlement fee, at most 0.25%. In the case of a fixed rate, the associated breakage charges will have to be added.

To be determined depending on the project.

Complementary guarantees

In this area of action, the ICF has a collaboration agreement with the European Investment Fund (EIF) to facilitate access to guarantees aimed at climate change mitigation projects.

Check the eligible investments that can benefit from the guarantees of the InvestEU programme (those purposes covered by points 2.1 to 2.6, both inclusive). 

If the financing is included in the programme, as a complement to the guarantees provided by the holder, the European Investment Fund will assume, vis-à-vis the ICF, 70% of the credit risk plus 90 days of ordinary interest.

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