Financiamento para Empresas | Linhas de Garantias BPF InvestEU
Mais de 3,5 mil milhões de euros destinados a impulsionar o crescimento sustentável e duradouro das empresas e da economia portuguesa.
Linha BPF InvestEU
InvestEU é o programa europeu que visa apoiar o acesso e a disponibilidade de financiamento de médio / longo prazo às empresas (PME´s e Small Mid-Caps). O objetivo é fomentar a competitividade, incluindo a investigação, a inovação e a digitalização, o crescimento económico, a sustentabilidade, a criação de emprego, bem como a recuperação sustentável e inclusiva da economia da UE na sequência da crise espoletada pela pandemia de COVID-19.
Áreas de Atuação
Mobilidade Urbana Sustentável
284 milhões EUR.
A Linha de Mobilidade Urbana Sustentável disponibiliza financiamentos de médio e longo prazo para operações destinadas à aquisição de veículos elétricos ou a hidrogénio para transporte de passageiros; desenvolvimento de infraestruturas de apoio à eletrificação dos transportes, como postos de carregamento e melhorias na rede elétrica; e expansão da rede de distribuição e abastecimento de hidrogénio.
Investigação, Inovação e Digitalização
711 milhões EUR.
As Condições Particulares da Sub-linha Investigação, Inovação e Digitalização incluem operações elegíveis para investimentos em infraestruturas de investigação; projetos empresariais; colaboração entre academia e indústria; transferência de tecnologias; desenvolvimento de novos produtos de saúde; e projetos de digitalização da economia.
Investimento Sustentável
1.280 mil milhões EUR.
A Sub-linha de Investimento Sustentável oferece financiamentos para apoiar projetos focados na gestão de resíduos, reabilitação de terrenos industriais, controlo da poluição, mobilidade sustentável, eficiência energética, produção de combustíveis limpos e energias renováveis, além de incentivar a reciclagem, o uso de matérias-primas sustentáveis e uma gestão ambiental responsável na agricultura e floresta.
Investimento
640 milhões EUR.
A Sub-linha de Investimento oferece financiamentos de médio e longo prazo para apoiar a aquisição de ativos fixos, tanto corpóreos como incorpóreos, além de incluir uma parte destinada a fundo de maneio, limitado a 20% do montante financiado.
Fundo de Maneio
640 milhões EUR.
A Sub-linha Fundo de Maneio oferece financiamentos de médio e longo prazo para atender às necessidades estruturais de fundo de maneio das empresas.
Turismo + Sustentável
50 milhões EUR.
A linha "Turismo + Sustentável" apoia o setor do turismo em Portugal, promovendo a transição energética e contribuindo para a neutralidade carbónica e sustentabilidade ambiental. Financiada pelo Turismo de Portugal e articulada pelo BPF, oferece apoio a investimentos em inovação e competitividade.
A 18 de junho de 2024, a CE e o BPF assinaram em Bruxelas o acordo de garantia InvestEU que permitiu desbloquear até 3,6 mil milhões EUR, para investimentos enquadráveis:
Mobilidade Urbana Sustentável
Eligible operations
Acquisition of means of transport for sustainable urban mobility (taxis, cars, buses, etc., provided they are 100% electric or run on hydrogen), as well as the necessary adaptation of energy networks.
Eligible companies
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Have their registered office and activity in Portugal.
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Activity classified under the following CAEs [Statistical Classification of Economic Activities]:
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49310 Urban and suburban passenger land transport;
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49320 Occasional passenger land transport;
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49391 Inter-city bus transport;
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49392 Other land passenger transport.
- No incidents with the bank at contract date. Have their situation with the Tax Authority and Social Security regularised at the time of financing. Compliant with applicable money laundering and terrorist financing legislation.
Maximum amount per company
EUR 10 million.
Total financing term
From 12 to 240 months.
Grace period
Up to 60 months after the contract is signed.
% Mutual guarantee / % counter guarantee
75% / 75%.
Loan contract spread
It results from the risk rating assigned by the credit institution and the maturity of the operation.
Maximum guarantee commission
It depends on the rating, the type of company and the duration of the operation; it is calculated on the guaranteed amount and is charged in advance according to the payback period.
Investigação, Inovação e Digitalização
Eligible operations
Investment in research, innovation and digitalisation / projects supporting the digitalisation of the economy.
Eligible companies
-
Have their registered office and activity in Portugal.
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Companies carrying out activities in the area of research, innovation and digitalisation – see Annex II, List of Eligible CAEs [Statistical Classification of Economic Activities].
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No incidents with the bank at contract date.
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Have their situation with the Tax Authority and Social Security regularised at the time of financing.
-
Compliant with applicable money laundering and terrorist financing legislation.
Maximum amount per company
EUR 10 million.
Total Financing Term
From 12 to 240 months.
Grace period
Up to 48 months after the contract is signed.
% mutual guarantee / % counter guarantee
75% / 75%.
Loan contract spread
It results from the risk rating assigned by the credit institution and the maturity of the operation.
Maximum guarantee commission
It depends on the rating, the type of company and the duration of the operation; it is calculated on the guaranteed amount and is charged in advance according to the payback period.
Investimento Sustentável
Financiamento para PME e Small Mid Caps
Eligible operations
Investments in activities aimed at sustainable investment - see doc. “BPF InvestEU Guarantee Line”, Special Terms and Conditions of the Sustainable Investment Line, point a).
Eligible companies
-
Have their registered office and activity in Portugal.
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Companies carrying out activities in the area of research, innovation and digitalisation – see Annex II, List of Eligible CAEs [Statistical Classification of Economic Activities].
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No incidents with the bank at contract date.
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Have their situation with the Tax Authority and Social Security regularised at the time of financing.
-
Compliant with applicable money laundering and terrorist financing legislation.
Maximum amount per company
EUR 8.250 million (maximum amount per company, across all 3 sub-lines, EUR 8,250 millions).
Total financing term
From 12 to 180 months.
Grace period
Up to 36 months after the contract is signed.
% mutual guarantee / % counter guarantee
75% / 80%.
Loan contract spread
It results from the risk rating assigned by the credit institution and the maturity of the operation.
Maximum guarantee commission
It depends on the rating, the type of company and the duration of the operation; it is calculated on the guaranteed amount and is charged in advance according to the payback period.
Investimento
Financiamento para PME e Small Mid Caps
Eligible operations
Investment in property, plant and equipment, intangible assets and working capital (up to 20% of the amount of the loan).
Eligible companies
-
Have their registered office and activity in Portugal.
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Companies carrying out activities in the area of research, innovation and digitalisation – see Annex II, List of Eligible CAEs [Statistical Classification of Economic Activities].
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No incidents with the bank at contract date.
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Have their situation with the Tax Authority and Social Security regularised at the time of financing.
-
Compliant with applicable money laundering and terrorist financing legislation.
Maximum amount per company
EUR 5 million (maximum amount per company, across all 3 sub-lines, EUR 8.250 million).
Total financing term
From 12 to 144 months.
Grace period
Up to 36 months after the contract is signed.
% mutual guarantee / % counter guarantee
50% / 80%.
Loan contract spread
It results from the risk rating assigned by the credit institution and the maturity of the operation.
Maximum guarantee commission
It depends on the rating, the type of company and the duration of the operation; it is calculated on the guaranteed amount and is charged in advance according to the payback period.
Fundo de Maneio
Financiamento para PME e Small Mid Caps
Eligible operations
Structural working capital requirements.
Eligible companies
-
Have their registered office and activity in Portugal.
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Companies carrying out activities in the area of research, innovation and digitalisation – see Annex II, List of Eligible CAEs [Statistical Classification of Economic Activities].
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No incidents with the bank at contract date.
-
Have their situation with the Tax Authority and Social Security regularised at the time of financing.
-
Compliant with applicable money laundering and terrorist financing legislation.
Maximum amount per company
EUR 2 million (maximum amount per company, across all 3 sub-lines, EUR 8.250 million).
Total financing term
From 12 to 48 months.
Grace period
Up to 6 months after the contract is signed.
% mutual guarantee / % counter guarantee
50% / 80%.
Loan contract spread
It results from the risk rating assigned by the credit institution and the maturity of the operation.
Maximum guarantee commission
It depends on the rating, the type of company and the duration of the operation; it is calculated on the guaranteed amount and is charged in advance according to the payback period.
Turismo + Sustentável
Eligible operations
Financing investments that promote at least water management or energy management, and also:
- Sustainable Mobility:
- Waste Management
- Circular Economy
- Biodiversity
Eligible companies
- Head office and activity in Portugal.
- Companies participating in the Tourism 360º Companies Programme.
- Activity falling under the CAEs in the defined list (attached).
- No incidents with the bank at the time of recruitment.
- Have organised accounts and a balanced economic and financial situation.
- Companies that have recorded positive CP since 2021.
- Companies with future economic and financial viability.
- Have, at the date of funding, their situation regularised with the AT and SS.
- Comply with current legislation on money laundering and terrorist financing.
Maximum amount per company
750 000 EUR.
Total financing term
Up to 180 months.
Grace period
Up to 48 months of capital grace after the operation is contracted.
% mutual guarantee / % counter guarantee
Up to 80% / 80%.
Loan contract spread
The maximum spread will be determined on the basis of each credit institution’s own risk rating and the maturity of the operation.
Maximum guarantee commission
It results from the rating, type of company and maturity of the operation; it is levied on the guaranteed amount; and it is charged in advance, according to the amortisation period.
Características financeiras: exemplo representativo
Comissões e Encargos:
Comissão de Organização: máximo de 1,00%;
Comissão de Gestão: máximo de 1,00%;
Comissão de Reembolso Antecipado: máximo de 2,50%.
As Sociedades de Garantia Mútua cobram uma comissão de garantia que será suportada pelo beneficiário e será liquidada de acordo com a periodicidade da amortização da operação, sendo calculada sobre o montante garantido.
Taxa de Juro:
Indexante Euribor acrescido de um spread máximo até 4,338%.
Exemplo: TAE de 4,947%, calculada com base numa TAN de 3,684%, que no presente caso resulta da aplicação de indexante Euribor a 1 mês de 30 de junho de 2025 acrescido de um spread de 1,75%, para um financiamento de 1.000.000 EUR, a liquidar em 84 meses.
A TAE inclui ainda as comissões de organização, de formalização e de gestão, no presente exemplo conforme máximos definidos no preçário em vigor no Banco e pelo Banco Português de Fomento.
Todas as propostas serão objeto de análise e decisão de risco de crédito por parte do Banco L.J. Carregosa, S.A. O presente documento não constitui proposta contratual.
