BPF Invest Export Line
Purpose
Created under the Reforçar Programme, the BPF Invest Export
Line is a direct response to the new international landscape, marked by rising
tariffs and global market instability. It aims to support investment and
working capital for Portuguese Exporting Companies, promoting their adaptation
to new markets, with a focus on non-EU geographies.
The total allocation of €3.5 billion is distributed across two sub-lines:
- SME Sub-line: Aimed at supporting the international activity of Portuguese Micro, Small, and Medium Enterprises (SMEs), focusing on investment, innovation, and strengthening liquidity, with an allocation of €2.100 million.
- LARGE ENTERPRISES Sub-line (coming soon): Because the future of Portuguese exports is also written on a large scale, a sub-line dedicated to Large Enterprises is being prepared, with an allocation of €1.400 million.
Beneficiaries
- SME Sub-line: Micro, Small, and Medium Enterprises (SMEs) that, according to their 2024 closed accounts, register exports, carry out their main activity in national territory under an eligible CAE, and meet the requirements in the Disclosure Document available for download at the bottom of the page.
- Large Enterprises Sub-line: (coming soon)
How to apply
Participating
Banks:
- ABANCA Corporación Bancária, S.A.
- Bankinter, S.A. – Portugal Branch
- Banco BPI, S.A.
- Banco Comercial Português, S.A. (Millennium BCP)
- Banco Santander Totta, S.A.
- Caixa Geral de Depósitos, S.A.
- Caixa Central de Crédito Agrícola Mútuo, C.R.L. (branches: Mafra, Torres Vedras)
- EuroBic – ABANCA Group
- Banco Montepio
- Novo Banco, S.A.
- Novo Banco Açores, S.A.
- Caixa Económica da Misericórdia de Angra do Heroísmo (CEMAH)
Main Characteristics
| Eligible Operations | Medium/long-term financing for investment in tangible and intangible fixed assets, including up to 20% for working capital | Medium/long-term financing for structural working capital needs |
| Geographic Scope | Activity in national territory with eligible CAE code | Activity in national territory with eligible CAE code |
| Maximum Financing per Company | Micro companies: up to €500,000 Small companies: up to €2M Medium companies: up to €5M | Micro companies: up to €500,000 Small companies: up to €2M Medium companies: up to €3M |
| Financing Term | 1 to 10 years | 1 to 5 years |
| Grace Period | Up to 36 months | Up to 6 months |
| Mutual Guarantee % | 50% | 50% |
| Conversion to Non-Refundable Grants | Part of the loan may be converted into a non-repayable
Grant of 10% if the company maintains all four To access this benefit, the company must indicate the Subject to the available limits under the applicable State In the context of conversions, the performance indicators | Not applicable |
| State Aid | Associated with the operation: De minimis aid, RGIC, market conditions Associated with conversion: De minimis aid only | De minimis aid, RGIC, market conditions |
Legal Notice:
The information provided herein is for promotional purposes only and does not replace consultation of the legally required pre-contractual, contractual, and protocol information, nor does it substitute the full reading of the documentation applicable to each financing instrument.
The conditions presented are merely indicative and may be adjusted in accordance with regulatory, legal, or operational developments.
The contracting of any financing, guarantee, or equity instrument is subject to eligibility verification, risk assessment, approval by the entities involved, and the specific conditions defined for each operation.