BPF InvestEU Guarantee Line – SMEs and Small Mid-Caps

Support companies in promoting operations aimed at:

• Sustainable investment with a budget of €1,280,000,000;
• Investment with a budget of €640,000,000;
• Working capital with a budget of €640,000,000.

• Have their headquarters and conduct their activities in Portugal;
• Have no unresolved banking incidents at the time of contracting;
• Have a regularized tax and social security status at the time of financing;
• Comply with applicable laws, particularly regarding anti-money laundering and counter-terrorism financing:

• Not be entities based in offshore jurisdictions or in countries, territories, or regions with a clearly more favorable tax regime;

• Not be entities controlled by entities, including fiduciary structures of any kind, that are based or have their effective management in countries, territories, or regions with a clearly more favorable tax regime, or whose ultimate beneficiary is domiciled in those jurisdictions;

• Not operate in jurisdictions that are non-cooperative for tax purposes, as well as countries or territories that have serious deficiencies in anti-money laundering and counter-terrorism financing measures;

• Not operate in cooperative jurisdictions that have committed to applying EU principles of good tax governance but are still considered high-risk for money laundering and terrorist financing, or have preferential tax regimes, or jurisdictions with a Corruption Perceptions Index score below 39;

• Not be entities that fail to comply with European Union law and applicable national law, particularly regarding fraud prevention, corruption, and conflicts of interest;

• Comply with the obligation to register in the Central Register of Beneficial Owners and meet all resulting legal obligations;

• Not have been convicted, by final judgment, of fraud, money laundering, or terrorist financing, nor have been deprived of any benefits granted by the Public Administration, public entities, or services, as verified through a criminal record certificate of the beneficiary entity, unless rehabilitation has occurred. Documentary proof of this requirement must be provided at the time of contracting;

• Not be entities that fail to comply with European legislation and guidelines on tax evasion prevention;

• Not operate in excluded activities.

The company may submit an application through an Adherent Credit Institution (Commercial Bank) or a Mutual Guarantee Society (SGM).

• ABANCA Corporación Bancária, S.A.
• Banco BAI Europa S.A.
• Banco BIC Português, S.A.
• Banco Bilbao Vizcaya Argentaria S.A. - Sucursal em Portugal
• Banco BPI, S.A.
• Banco Carregosa, S.A.
• Banco Comercial Português, S.A.
• Banco Santander Totta, S.A.
• Bankinter, S.A. – Sucursal em Portugal
• Caixa Central de Crédito Agrícola Mútuo, CRL
• Caixa Crédito Agrícola Mútuo Bombarral, CRL
• Caixa Crédito Agrícola Mútuo Chamusca, CRL
• Caixa de Crédito Agrícola Mútuo de Leiria, CRL
• Caixa de Crédito Agrícola Mútuo de Mafra, CRL
• Caixa de Crédito Agrícola Mútuo de Torres Vedras, CRL
• Caixa Económica da Misericórdia de Angra do Heroísmo, Caixa Económica Bancária, S.A.
• Caixa Económica Montepio Geral, Caixa Económica Bancária, S.A
• Caixa Geral de Depósitos, S.A.
• Novo Banco Açores, S.A.
• Novo Banco, S.A.

• Agrogarante, Sociedade de Garantia Mútua, S.A.
• Garval, Sociedade de Garantia Mútua, S.A.
• Lisgarante, Sociedade de Garantia Mútua, S.A.
• Norgarante, Sociedade de Garantia Mútua, S.A.

Mandatory Documents

1. Beneficiary's Commitment Declaration with authorisation for information sharing
2. Organisational Chart (if applicable)
3. Analytical Trial Balance
4. Registration Code in the Central Register of Beneficial Owners
5. Access Code to the Permanent Commercial Certificate (applicable to companies, corporate partners, and cooperatives)
6. Feasibility Plan/Investment Project (Mandatory for entities starting operations or investment operations with financing ≥ 500,000 euros)
7. Additional Information whenever necessary, in case of incomplete or missing data in the National Mutual Guarantee System databases
8. Investment Map in a proprietary format to be provided by the FCGM (Mutual Counter-Guarantee Fund), duly signed by the Company's representatives.