Fill your ENISA application with AI and raise up to €1.5M
ENISA lends up to €1.5M with no guarantees and no dilution, but the application is long and complex. enisa.ai prepares it for you — create your free account and start with a €3 viability analysis.
- €1.5M
- Maximum funding
- €0
- In personal guarantees
- 0%
- Of equity dilution
Viability analysis
AI-generated · 2 min
Viability score
82/100
- Mercantile company based in Spain
- Innovative and scalable business model
- Sufficient financial consistency
Next step
The AI drafts your full application, ready to submit.
ENISA participative loans:
The public backing that powers Spanish startups
ENISA has been financing innovative companies in Spain for over 40 years.
- €1,516M
- Invested in companies
- 8,496
- Companies financed
- 9,806
- Loans granted
- 365
- Days open per year
Source: ENISA public data. enisa.ai is not affiliated with ENISA.
The problem
Applying for an ENISA loan is harder than it looks
The financing is excellent. The process, not so much.
A huge application
Seven sections: company information, market analysis, organisation, investment plan, financial statements and four-year projections.
Weeks of work
Preparing a strong application pulls you away from your product and your customers for weeks.
Expensive consultants
Consultancies charge thousands of euros up front plus a hefty success fee.
Many get rejected
Most applications are turned down for lacking consistency or a solid narrative.
How it works
From your documents to your application, in three steps
You provide the basics. The AI does the heavy lifting.
Upload your documents
Upload your incorporation deed, tax ID and accounts, and answer a few questions about your project.
10 minutes
Get your analysis 5€
The AI assesses whether your company is eligible, which line fits and what to strengthen before applying.
In minutes
The AI drafts your application 100€
It generates all seven sections of the ENISA application, ready for you to review and submit.
Same day
You review and approve every section before anything is submitted. We never promise the loan will be granted.
Before you invest time, know if they'll approve you
For €3, the AI analyses your project and tells you honestly whether it's a good candidate for an ENISA loan — and why.
Eligibility
Confirms you meet the requirements: a mercantile company, based in Spain, up to date with tax and social-security obligations.
Recommended line
Identifies which ENISA line best fits your company and how much it's reasonable to request.
Innovation and viability
Evaluates how innovative and scalable your business model is — the criterion that weighs most at ENISA.
Financial consistency
Checks that your accounts and projections hold up and are consistent with each other.
Weak points
Spots the risks and red flags that would get your application rejected.
Free sign-up. Results in minutes.
Analysis report
Eligible- Recommended line
- Crecimiento
- Indicative amount
- €300,000
- Viability score
- 82/100
Before applying, strengthen:
- Detail the four-year financial projections
- Quantify the 18-24 month investment plan
- Expand the competitor analysis
What's included
The AI drafts every section of your application
enisa.ai prepares the same sections the ENISA client portal requires, with a coherent narrative from start to finish.
Company information
Activity, milestones, innovative elements and competitive advantages, written clearly.
Market analysis
Market size and trends, suppliers, competitors and key customers.
Organisation and team
Management team, board of directors and shareholder structure.
Investment plan
Purpose of the investment, an 18-24 month breakdown and the financing scheme.
Financial statements
Recent-year accounts in the standardised template ENISA requires.
Four-year projections
Projected balance sheet and income statement, with the assumptions explained.
You review and approve everything before submitting. Your data is yours and is never shared without your permission.
What is ENISA
Public funding for innovative companies
ENISA (Empresa Nacional de Innovación) grants participative loans to Spanish SMEs and startups.
A participative loan is long-term debt with terms designed for young companies: it requires no personal guarantees or collateral, doesn't dilute your equity, and repayment adapts to how your business performs. On top of that, securing an ENISA loan is a signal of soundness that helps attract other investors and banks.
Advantages of the participative loan
No guarantees
You don't risk your personal assets.
No dilution
You give up no equity in your company.
Flexible repayment
Long terms and grace periods matched to your growth.
Mark of trust
Attracts other investors and institutions.
The financing lines currently open
Startups and SMEs
The general line
For viable, innovative startups and SMEs, whether being created or growing.
- Company incorporated in Spain with a Spanish tax domicile
- Innovative business model with clear competitive advantages
- Accounts filed, and up to date with tax and social security
Digital Women Entrepreneurs
Women in leadership
For technology SMEs in which women hold leadership positions.
- Women on the board or in the management team
- Own technology solution
- Same general requirements as the startups and SMEs line
AgroInnpulso
Agri-food sector
For technology-based SMEs innovating across the agri-food value chain.
- Activity in agri-food production, processing or distribution
- Innovative or technology-based project
- Same general requirements as the startups and SMEs line
Audiovisual and Cultural and Creative Industries
Audiovisual and games
For SMEs in audiovisual products and services, video games and the cultural and creative industries, with a digital focus.
- Development of audiovisual, cultural or creative products or services
- Digital focus
- Same general requirements as the startups and SMEs line
Innovation x Climate
Climate resilience
For SMEs whose solutions anticipate risk and strengthen resilience to climate disasters and emergencies.
- Project in prevention, preparedness or response to climate emergencies
- Innovative component
- Same general requirements as the startups and SMEs line
Conditions verified at enisa.es on 6 August 2026. They can change: every report states the rule version that answered it. enisa.ai is an independent service and is not affiliated with ENISA or the Spanish government.
Pricing
Pay little to start. Share the success.
No monthly fees. No lock-in. You only pay for each step you choose to take.
Analysis
Find out whether your project is eligible for an ENISA loan.
- Viability verdict and success estimate
- Recommended ENISA line and indicative amount
- Red flags spotted before you invest time
- Concrete recommendations to strengthen your case
- Downloadable PDF report
- Results in minutes
Full application
The AI drafts your entire ENISA application.
- All 7 sections of the ENISA application, drafted by AI
- Human review before publication
- Support all the way to the loan decision
- Financial statements and four-year projections in ENISA's format
- A reusable knowledge base for future applications
- 3% success fee, only if the loan is granted
Prices exclude VAT. The 3% success fee is only charged if ENISA approves your loan; the conditions are set out in the service terms.
FAQ
Everything you need to know
What exactly is enisa.ai?
enisa.ai is a service that uses artificial intelligence to prepare your ENISA loan application: first it analyses whether your project is viable, then it drafts every section of the application so all you have to do is review and submit it.
Is enisa.ai part of ENISA or the government?
No. enisa.ai is a private, independent service with no connection to ENISA or the Spanish government. We help you prepare your application, but the decision on the loan is always made by ENISA.
Do you guarantee I'll be approved?
We can't guarantee it: approval depends solely on ENISA. What we do is maximise your chances with a solid, coherent and complete application, and tell you upfront, in the analysis, whether it's worth applying at all.
What documents do I need?
To get started, usually your incorporation deed, the company's tax ID, your recent accounts and answers to a few questions about your project are enough. The AI guides you on what's missing.
What happens to my data?
Your documents and information are yours. We use them only to prepare your application and never share them with third parties without your permission. You can request their deletion at any time.
How much does it cost in total?
€3 + VAT for the analysis and €100 + VAT for the full application. They are two independent payments: the analysis is not credited against the application. If ENISA ultimately grants your loan, we apply a 3% success fee on the amount granted. Nothing else.
Can I use it if I've had an ENISA loan before?
Yes. Whether it's your first application or you've already had an ENISA loan and want to apply for another, enisa.ai prepares the new application just as well.
Find out if your startup can secure an ENISA loan
Create your free account, run the analysis for €3 and get clarity today. If it's a fit, the AI prepares your full application.
No lock-in · No subscriptions · You only pay for what you use
Contact
Questions before you start?
Tell us about your case and we'll tell you, with no commitment, whether an ENISA loan fits your company.
- We reply within 24 business hours
- No commitment, no cost
- A real person reads your message