Loans to finance research, development and innovation (RDI)

Would you like to develop or launch a new or improved product, process or service?

Would you like to make changes in the production process, manufacture prototypes, etc.?

Who can raise a loan

  • Sole traders
  • Small and medium-sized enterprises
  • Start-up companies
  • Large enterprises

You can raise a loan if

  • Your planned project includes an investment in new property, plant and equipment or intangible assets and it is aimed at increasing the diversity of production to include additional new or improved products, processes or services.
  • Your project is to be implemented in Slovenia, implementation may begin prior to the submission of an application, as long as it has not been completed.
  • Your investment will not be implemented in an excluded sector.

The programme facilitates

  • Loans ranging from €10,000 to €10,000,000.
  • The 100% financing of eligible costs, including VAT.
  • A weighted interest rate that comprises a premium on 62.5% of funding from the European Regional Development Fund, which is 0% or in accordance with de minimis aid, and a premium of the provider of a financial instrument at market price on 37.5% of funds.
  • A loan repayment period ranging from 3 to 9 years.
  • A moratorium on the repayment of principal equal to 1/3 of loan maturity, i.e. 1 to 3 years.
  • Monthly instalments.
  • No collateral or merely a lien on the subject of financing. Other collateral may be provided for loans in excess of €1 million and a maturity of more than 5 years.

We provide consultancy services and financing

As part of your loan, we will provide funds for intangible assets and property, plant and equipment, through which you will be able to cover eligible costs for the following:

  • Increasing the diversity of production to include additional new products or services.
  • Significant changes to the entire production process in the existing activity.
  • Significant improvements to existing products, processes or services.
  • The development of new or improved products, processes or services.
  • The manufacture of prototypes, presentations, pilot projects, and the testing and approval of new or improved products, processes or services.
  • Planned research or critical investigation aimed at the acquisition of new knowledge and skills for developing new products, processes or services.

Your development partner

Our aim is to support development, research and innovation at your company.

To make the next steps to the achievement of your established objectives easier, the financial intermediary will not charge you a fee for the approval and administration of your loan, but will only charge the cost of a notary in connection with collateral arrangements.

Deadline for submission of application                             

Until funds have been exhausted.

The deadline for loan drawdown

6 months from the day a loan was approved.

Participating banks

For detailed information regarding the programme, contact your account managers at participating banks.

Sberbank

www.sberbank.si sklad.skladov@sberbank.si t: +386 80 22 65

Pokličite 01 200 75 14 ali nam pišite na sklad.skladov@sid.si

milijonov €
sredstev Evropske Kohezijske politike
milijonov €
sredstev posrednikov
milijonov €
sredstev za končne prejemnike
05. Oktober 2021

SID banka je v dobrih dveh letih uspešno črpala več kot 190 milijonov evrov kohezijskih sredstev

S tem je omogočila več kot 237 milijonov evrov financiranj slovenskih podjetij in občin ter v septembru 2021 izbrala še dva nova posrednika finančnih instrumentov v okviru Skladov SID banke.

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Pravno obvestilo

Z brezplačnimi e-obvestili vas obveščamo o novostih, povezanih z agencijo, splošnih informacijah, povezanih s komuniciranjem in oglaševanjem, člankih, aktualnih ponudbah in ostalih poslovnih informacijah. Pošiljatelj e-obvestil in upravljavec zbirke osebnih podatkov je SID banka, d.d., Ljubljana, Ulica Josipine Turnograjske 6, 1000 Ljubljana (v nadaljevanju SID banka).

E-obvestila prejemate v skladu z Zakonom o elektronskih komunikacijah na osnovi vaše prijave na prejemanje e-obvestil na spletni strani SID banke, sodelovanja v nagradnih igrah, nakupa ali iz drugih pravnih naslovov, s katerimi je bilo dano prostovoljno soglasje.
S prijavo na e-obvestila posameznik izrecno soglaša, da SID banka obdeluje osebne podatke za namene ciljnega in neposrednega trženja. SID banka lahko prijavljen elektronski naslov obdeluje za lastne potrebe do preklica pisne privolitve oz. do časa, ko podatki ne bodo več služili svojemu namenu, pri čemer za novičarsko listo lahko uporablja zunanji servis skladno s pravili slednjega (npr. eGlasnik) in podatke hrani v oblaku.

Posameznik ima skladno z Zakonom o varstvu osebnih podatkov pravico, da kadarkoli pisno ali na e-mail naslov: sidbanka@sid.si zahteva odjavo od prejemanja e-obvestil ter da SID banka osebne podatke trajno ali začasno preneha uporabljati za namene ciljnega in neposrednega trženja, pri čemer bo SID banka ustrezno preprečila uporabo osebnih podatkov za namene ciljnega in neposrednega trženja.

Elektronski naslov, na katerega prejemate e-obvestila, je shranjen in varovan v skladu z Zakonom o varstvu osebnih podatkov.