One-liner: IVF's largest 2026 crisis-response loan — up to €5,000,000 at a fixed 1.5%, for any Comunitat Valenciana company (micro to large) hit by energy-cost, inflation, or international-market shocks, explicitly framed around the economic knock-on of the Middle East conflict. Open to companies of any size (not just SMEs) and any sector — the broadest-scope IVF instrument found this pass.
Status: live loan line; bases published in DOGV 27 Apr 2026. Exact close date not shown on the landing page — IVF's "anticrisis" lines run rolling while budget lasts —
#status/verifyfor the actual close/exhaustion date.
What you get
- Loan €200,000–€5,000,000 (max set per applicant's business volume).
- Fixed interest rate 1.5%, no opening or early-cancellation commissions.
- Term up to 5 years, with a possible grace period of up to 1 year.
Who it's for
- Microenterprises, SMEs, and large companies with at least one establishment in the Comunitat Valenciana, affected by "el incremento de los costes energéticos, la inflación, la inestabilidad en los mercados internacionales" — the broadest eligibility (by company size) of any IVF line in this sweep.
- Minimum 2-year company history, ≥1 employee/self-employed partner.
- Excluded if: pending EU recovery order, negative equity or continuous losses (unless AFIN-SGR backed), bad payment/CIRBE record.
Eligible costs
- Working capital — capped at 20% of the average balance of supplies/transport/utilities/services accounting items from the prior two fiscal years.
How to apply
- IVF loan portal → prestamos.ivf.es (electronic, "SOLICITAR").
- Consult the DOGV bases before applying — the landing page is a summary only.
Key facts
- Legal basis: DOGV, 27 Apr 2026 (Resolución/Acuerdo publishing the bonified line).
- The largest per-operation ceiling (€5M) of any IVF instrument tracked in this wiki, above even IVF General (€200k–€5M working-capital/investment) — effectively an alternate, crisis-branded access route to the same ceiling but at a cheaper fixed 1.5% vs. IVF General's market-linked pricing.
- Sits alongside IVF Agro Anticrisis 2026 (narrower sector scope, smaller €1M ceiling, same 1.5% rate) and the pre-existing IVF DANA flood-recovery line.
Relations
- Run by: IVF
- See also: IVF Agro Anticrisis 2026
- See also: IVF General
- See also: IVF Pyme Inversion 2026