3 New Guarantees from BPF to Accelerate Portugal 2030

The execution of Portugal 2030 has been a challenge, with a slower implementation than desired. To combat delays and inject necessary liquidity into the business fabric, the Banco Português de Fomento (BPF) has launched a package of three automatic financial guarantees. These instruments, available from September, are designed to simplify processes, give confidence to entrepreneurs, and, above all, transform approved projects into real investment.

In this guide, we explain everything you need to know about each of these guarantees and how your company can benefit from them.

The Automatic Model: 3 Pre-Approved Guarantees Upon Approval

The great innovation of this model is its simplicity. The moment your Portugal 2030 application is approved, your company receives simultaneous access to three pre-approved guarantees. No more new processes with banks or the State to obtain financing. The solution is integrated and immediate, subject to approval by the company and the availability of de minimis aid. 

Discover Each Guarantee in Detail

The three guarantees were designed to resolve the main financial "bottlenecks" that companies face when starting a project.

1. Immediate Liquidity: The 40% Incentive Advance

To prevent a lack of treasury funds from delaying the start of investment, the first guarantee allows access to a substantial part of the support right at the beginning. It is the ideal solution to give the initial boost to your project.

• What it is: An advance of 40% of the total approved incentive value.
• Conditions: Available until 31/12/2025 (after which it drops to 25%).
• Requirements: Requires proof of a reimbursement request of at least 5% of the investment or the presentation of a bank guarantee.

➡️ Find out how to benefit from the 40% advance here. 

2. +Incentive at Zero Cost - Interest-free refundable financing line

Many Portugal 2030 supports include a refundable component. This instrument eliminates the associated financial cost, allowing your company to use these funds without paying interest.

• What it is: Bank financing at zero interest corresponding to the amount of the refundable incentive.
• Conditions: Term of 8 years, with a 2-year grace period.
• Advantage: No interest costs or other commissions.

➡️ Discover how the zero-interest mechanism works and its advantages here.

3. Financial Robustness: Support for Equity Financing

The equity component is often the biggest obstacle. The third guarantee was created to solve exactly this problem, facilitating the financing of your company's share of the investment.

• What it is: A mechanism that guarantees the financing of up to 75% of the investment component not covered by the funds.
• Conditions: Financing with a term of up to 8 years and a 2-year grace period.
• How it works: The BPF assumes the guarantee, allowing commercial banks to proceed with the financing.

➡️ Delve deeper here into how you can use this guarantee to strengthen your project's capital structure.

A Strategic Opportunity for Your Business

This new package of guarantees is more than just financial aid; it is a sign of confidence and a strategic accelerator. By ensuring liquidity and predictability from day one, the BPF allows more than six thousand companies already contacted to move forward with their innovation, energy transition, and competitiveness projects.

At Yunit, we are prepared to help your company navigate these opportunities and ensure that your project does not stall.