How do I calculate my service’s hourly cost to establish pricing?
Add direct costs, attributable overhead costs, and actual time per service, add your target margin, and compare it with the market
What’s the practical difference between a bank loan and a participatory loan such as ENISA?
A bank loan requires guarantees and repays principal and interest from the start. A participatory loan is usually more flexible
What will a bank focus on when I request financing?
They will look at your repayment capacity, credit history, and the coherence of your financial plan. A predictable cash flow
How do I define my risk profile before investing?
Start with your time horizon and your tolerance for volatility. If you’re going to need the money in the short term
How can I prepare a solid application for ENISA?
By demonstrating a real problem, technical validation, and a plan for using the funds with milestones. Aligning the project with official priorities
Is it a good idea to rely on an SGR to improve banking conditions?
Yes. In Galicia, AFIGAL announced for 2025 lines with subsidized rates and guarantees for investment, working capital or restructuring
Is there support in Galicia to boost SMEs in R&D?
Of course. In Galicia we have Igape and other partners that reinforce acceleration programs and financing lines
What is the startup ecosystem like in Spain?
In 2025, the value of startups in Spain exceeded 110,000 million euros, approaching historical investment records
Have the new tariffs affected your company? Who can help us?
More and more entities are joining the ICO Tariffs guarantee lines, which already have more than 5,000 million euros in funds
What is the new ENISA financing for SMEs about?
ENISA has activated 303 million euros for startups and innovative SMEs through participating loans, useful for co-financing growth
