Preferred financing from the Official Credit Institute

Consistent with its objective to contribute to economic growth and to the improvement of the distribution of national wealth, the ICO cooperates with other national and international bodies and institutions which work for the benefit of industries which, given their social, cultural, innovative or ecological significance, merit priority attention.

Notwithstanding other lines in connection with specific industries, the following are the main ICO lines of financing for 2015:

Línea ICO Empresas y Emprendedores 2015 (ICO Enterprises and Entrepreneurs Line), under which loans are granted to independent professionals, public and private enterprises and entities, both Spanish and foreign, who make productive investments in Spain and/or need to cover their liquidity needs. 

Línea ICO Garantía SGR/SAECA (Sociedad de Garantía Recíproca/Sociedad Anónima Estatal de Caución Agraria) (ICO Mutual Guarantee Society/State-owned Agricultural Surety Corporation Line), under which loans are granted to independent professionals, public and private enterprises and entities that have a guarantee or surety from a Mutual Guarantee Society or the State-owned Agricultural Surety Corporation regardless of their tax domicile, and who make productive investments inside or outside Spain or who wish to cover their liquidity needs. However, an entity applying for financing to make an investment outside Spain must have Spanish nationality or a majority of Spanish capital stock.

Línea ICO Pagarés y Bonos de Empresas 2014 (ICO 2014 Corporate Promissory Notes and Bonds Line) aimed at Spanish companies that issue on the primary market promissory notes and/or bonds admitted to trading on organized markets or on multilateral trading facilities in Spain (excluding companies that are traded on the Ibex 35 and companies of the same business group).

ICO 2015 International Line, Section I “Investment and Liquidity” and the 2015 Exporters and International 2015 Section II “Medium- and Long-term Exporters” Lines.

For more information visit the ICO website (

Last updated: 28|09|2017

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