One-liner: the umbrella of the Institut Valencià de Finances' direct financing — the Generalitat's public financial arm offering subsidised (bonified) loans, guarantees and FEDER venture capital to Valencian companies. This page is the overview; the specific instruments have their own pages.
IVF's instrument families
- Subsidised loans (préstecs bonificats) for investment and growth — e.g. IVF Pyme Inversion 2026 (€200k–€2M @1.75%), plus sector/coyuntura lines the Consell IVF approves (e.g. "IVF Agro Anticrisi" for the primary sector, and new business lines launched to counter the current economic situation). Individual deals for innovative growth are common (e.g. €600k for the Nido energy-transition platform; loans to Overgenes, Veganic).
- Guarantees (avales) — incl. the young first-home-buyer guarantee (>1,300 issued in Q1 2026) and business guarantees.
- FEDER venture capital / co-investment — via IVF Participativos FEDER (fund-of-funds through selected VC funds & business angels).
Who it's for
- Valencian companies of any size/stage needing investment or working-capital finance; startups most often use the bonified investment loans or the FEDER co-investment route.
How to engage
- Browse the current loan lines at prestamos.ivf.es/prestamos and apply electronically to the line that fits.
- Each line sets its own amount, rate, term, grace and eligibility (see the specific page, e.g. IVF Pyme Inversion 2026).
- For equity/co-investment, pitch the IVF Participativos FEDER selected intermediaries.
Key facts
- IVF has tripled its number of operations and deployed ~€20M via its FEDER lines in their first two years.
- Managed by the Institut Valencià de Finances (Conselleria d'Economia, Hisenda i Administració Pública).
#status/verifyexact general-line ceiling (historically up to ~€5M).
Relations
- Run by: IVF
- See also: IVF Pyme Inversion 2026
- See also: IVF Participativos FEDER
- See also: ICO Empresas y Emprendedores 2026