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
What does working capital indicate about your liquidity?
Working capital represents the difference between short-term assets and liabilities. A positive value means that the company
What does customer churn say about your commercial management?
Delinquency indicates the percentage of sales not collected on time. Measuring it allows you to know if it’s necessary to adjust credit
What does the gross margin reveal about your pricing strategy?
Gross margin shows what portion of your sales remains after covering direct costs. If it’s very low, it may be time to review prices
What does the opportunity cost tell you about what you don’t do?
Opportunity cost represents what you stop earning by choosing one option over another. For companies, each investment
What does zero-based budgeting indicate about your efficiency?
Zero-based budgeting requires justifying each expense from scratch in every period. Applying this technique can help
