Slovenian Enterprise Fund Opens €20 Million Liquidity Loan Call for MSMEs

SEF Initiates New Funding Round for Slovenian Businesses

The Slovenian Enterprise Fund (SEF) announced on Friday, September 19, 2025, the opening of a call to provide 20 million euro in liquidity loans to micro, small, and medium-sized enterprises (MSMEs) across Slovenia. This initiative aims to bolster the financial stability and operational capacity of these businesses, offering crucial support for their ongoing activities and minor investment needs.

Loan Specifics and Favorable Terms

Under the new call, eligible MSMEs can apply for loans ranging from 15,000 euro to 100,000 euro. These funds are specifically designated to finance current operations and small-scale investments. The loans come with a fixed annual interest rate of 1.8%, designed to provide an affordable financing option for businesses.

The repayment terms are structured to offer flexibility, with periods varying based on the loan amount:

• For loans between 15,000 euro and 50,000 euro, the repayment period is 2 to 5 years.
• For loans between 50,001 euro and 100,000 euro, the repayment period extends from 2 to 7 years.

Additionally, businesses can benefit from a moratorium period of 1 to 6 months, which can be extended up to 24 months, providing further relief during challenging times. The application window for this call is open until October 14.

The Role of the Slovenian Enterprise Fund

The SEF, a public fund dedicated to the financial support of Slovenian MSMEs, start-ups, and scale-ups, plays a pivotal role in enhancing access to favorable financial resources within the market. Its operations are co-financed by the Republic of Slovenia and the European Union, specifically through the European Regional Development Fund. The SEF's liquidity loans are designed to offer easier access to financing, characterized by lower interest rates, repayment moratoria, and a streamlined approval process.

Broader Context of Support

This latest call aligns with SEF's broader mission to support the competitiveness of MSMEs. The fund has recently strengthened its capabilities by signing agreements with the European Investment Fund (EIF) for guarantees and counter-guarantees under the InvestEU Programme. This program aims to improve MSME competitiveness by facilitating access to finance and increasing the availability of funding for businesses perceived as high-risk or lacking sufficient insurance.