Since 1996 creating future partnerships.

Linha Capitalizar: Get a subsidized loan for your project
17 Jan, 2020

Capitalizar: Subsidized Loan

The Linha Capitalizar is a subsidized credit line created in partnership with the main national banks, the Mutual Guarantee Societies and IAPMEI.

The Linha Capitalizar intends to finance investment projects for expansion, modernization, innovation of SMEs or creation of new companies, also supporting projects that have been approved under Portugal 2020.

Linha Capitalizar: Objectives

The Capitalize Line aims to finance projects aimed at the acquisition of tangible or intangible fixed assets, and to reinforce the working capital of SMEs.

“2020 Projects” Investment Line

The “Projects 2020” Investment Line is intended to finance eligible investments approved in Portugal 2020 projects.

Investment Line “Generic”

The Investment Line “Generic” have as objective to finance investments in new, tangible or intangible assets. In this line, it is also possible to support the acquisition of shareholdings of companies that complement the activity. Financing of short, medium and long-term operations, real estate and equipment leasing are also considered eligible.

Maximum amount of funding

€ 1,500,000 (or € 2,000,000 for a Leading SME); € 4,500,000 in the case of Tourism projects.


They are eligible as beneficiaries, small and medium enterprises, or large companies with a turnover of less than € 150 million that do not belong to large enterprise groups.

Eligibility conditions imply that the company has to fulfill the following requirements:

1. Positive net worth on the last approved balance sheet;

2. Do not have any unregistered incidents with the Banking, Tax Administration, Social Security and Finova.
Investment Term

Up to 10 years (up to 36 months grace period).


Fixed or floating interest rate on soft terms, between 2,060% and 3,375%.

How can we help?

Mercal is a leading business consultant in Portugal in support of SMEs, which since 1996 has been working with leading national and international financial institutions, as part of the IMCN international network.

Our financial advisory services will be able to assist with the diverse needs of your investment project, and in obtaining funding for your initiatives.

Mercal has a team of qualified and experienced technicians to support your company or project in obtaining financing through the Capitalize Line or other sources of financing, dealing with the preparation of the business plan and feasibility study of your project. Also, we can assist you in negotiating with the banks to obtain financing on the best possible terms.

Contact us now. We send our proposal within 24 working hours.

See also:

Portugal 2020

Tourism Support

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