The bank says no — or sets terms the project cannot carry
We structure and negotiate your company's financing: bank credit, mutual guarantee lines, equity and debt, with a file banks can actually approve.
- Access to protocol lines and mutual guarantee schemes
- Simultaneous negotiation with several banks, not just yours
- Bank financing aligned with non-repayable incentives
File prepared in 2 to 4 weeks, depending on available information
Start PME assessment
Start your assessment
Funding
Calculated for your project
Programmes
Portugal 2030, RRP and others
Region
Mainland Portugal and islands
Eligible businesses
SMEs with cash flow needs, Companies with approved investment, Expanding companies, Companies refused financing
The opportunity
Why this funding is worth exploring
The incentive reduces the financial burden of the investment and accelerates projects already planned by the business.
A file the bank understands
We prepare the business plan, projections and risk rationale in credit analysis language.
Competition between banks
We present the operation to several institutions to compare term, spread and guarantees.
A structure that fits the project
We combine equity, debt, mutual guarantee and incentives so cash flow is not strangled.
Who this service is for
- Companies refused credit or offered unsuitable terms
- Investment projects that need to finance their own contribution
- Companies under cash flow pressure but with a viable business
- Companies preparing an equity round or debt restructuring
What is included
- Economic and financial assessment of the company
- Business plan and financial projections
- Preparation of the credit file
- Negotiation with banks and mutual guarantee companies
- Alignment with funding applications
Not sure whether your project qualifies? Receive an answer within 24 business hours.
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Other funding linked to this project
Many companies combine more than one incentive. Check the related pages before deciding.
How Start PME works
From assessment to payment, with support at every stage
We work through clear stages so you always know what happens next.
- 1
Free assessment
We review the business profile, investment and region to confirm eligibility and the applicable rate.
- 2
Strategy and eligibility
We select the right call, structure the project and maximise the available uplifts.
- 3
Application submitted
We prepare the project description, investment plan and forecasts, and submit everything on time.
- 4
Delivery and payments
We support procurement, payment claims and reports through to project completion.
5,000+
Applications submitted
€50M+
Approved eligible expenditure
€27M+
Approved non-repayable funding
82%
Approval rate
Experience and trust
Trusted by the clients we have supported
Proven results and genuine feedback from Start PME clients.
Frequently asked questions
Clear answers to the questions holding back your decision
Find out in two minutes whether funding is available for your business
Free assessment, reply within 24 business hours and no obligation.

