ICO Facility for Companies and Entrepreneurs



Enjoy credit* for certain investments.

Up to 20 years to repay it

With flexible financing time scales and a grace period on principal of up to three years.

Up to €12.5M

Request up to 100% of your needed investment or liquidity.

Financiación de Empresas - Unicaja Banco



The ICO Facility* for Companies and Entrepreneurs is available to the self-employed, companies and public and private entities (foundations, NGOs, etc.). It is also available for individuals and communities of property owners who want to rehabilitate buildings, common areas or housing.

Wide coverage

Make your productive investments in Spanish territory ** and cover your liquidity needs through this specific credit line to apply for 100% of the capital you need plus VAT or tax of a similar nature.

Terms and grace periods

You have a term of up to 20 years to pay off the loan at a highly competitive interest, with a period of grace on the principal of up to 3 years. If you use the credit to finance your company's working capital, you have up to 4 years to repay it and a grace period of up to 1 year.

Eligible investments

You can use this line of credit to purchase new or second-hand production fixed assets (including VAT), to purchase passenger cars or to acquire companies.

Contracting process

Apply for the ICO Companies and Entrepreneurs Facility at any of our Unicaja Banco branches, where we will be happy to assist you.


If you prefer, you can also apply for an ICO Companies and Entrepreneurs Facilityby filling out an order form and indicating the branch where you'd like to process it. We will contact you shortly.


Remember that if you have any questions or queries, you can call our customer service team on+34 952 07 62 24.

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