InnovFin Guarantee scheme

Specially developed guarantee instrument for lending to innovative companies. The instrument targets fast-growing enterprises, with serious potential for innovation, patent or a business plan for entering new geographical markets.

The program has a special focus in 2021 on lending to companies developing new services, products and processes.



Guarantee fee:

0.25% p.a. for SMEs (up to 249 employees); 0.40% p.a. for intermediate enterprises (up to 499 employees) of the total amount of the loan; the fee for large enterprises is based on the credit rating of the company and the risk costs for companies with specific credit rating.

50% guarantee

complementary collateral for investment loans and 80% guarantee for working capital loans between EUR 25 000 and EUR 7 500 000

Minimum loan maturity period

12 months

Maximum loan maturity period

72 months for revolving loans; 120 months for loans with repayment plan

Refinancing and/or restructuring

of existing credits and/or leases is not covered

Guarantee for the loans

is not a Staid Aid grant regim “de minimis”

Types of loans

investment and working loans (including overdraft and revolving) as well as leasing


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Who is it suitable for?

Eligible borrowers for InnovFin are micro, small, medium and intermediate enterprises (up to 499 employees) – companies, which invest in R&D of new products, processes and/or services, which are innovative, have significant potential for innovations, have registered a patent, have acquired an award for innovation or something similar in that direction. To fulfill InnovFin eligible criteria, the company applicant should meet at least one of the innovation criteria of the guarantee scheme, as the validation is performed by your personal banker.


  • Financing for companies with innovative potential
  • Flexible criteria for innovation
  • Preferential collateral requirements
  • Fast approval procedure



The Final recipient transactions are supported by the InnovFin SME Guarantee Facility, with the financial backing of the European Union under Horizon 2020 Financial Instruments and the European Fund for Strategic Investments (EFSI) set up under the Investment Plan for Europe. The purpose of EFSI is to help support financing and implementing productive investments in European Union and to ensure increased access to financing.

Frequently Asked Questions

Investment loans, standard working capital loans with repayment plan, revolving loans, overdrafts.

If you are interested in applying for InnovFin, to check eligibility and additional information for a tailor-made offer, please contact your personal banker.

UniCredit has a dedicated department dealing with free of charge consultations to companies in relation to EU funding programs and schemes, including InnovFIn.

  • speculative investment activities and speculation with real estate properties
  • activities, which are prohibited by national legislation, including law on environment protection
  • other activities prohibited by the law
  • activities related to fraud, illegal activity and other similar practices verified in accordance with the internal rules and procedures of the bank.

The new loan under InnovFin can not be used for refinancing existing loans.