B·CRÈDITS

Credits of €25,000 at 3% for self-employed individuals and microenterprises

The Barcelona City Council, through Barcelona Activa, is launching the B·credits programme, a new initiative to promote the creation of quality employment in Barcelona. The aim is to facilitate access to financing for small businesses and self-employed workers through a line of guaranteed loans and an associated grant, to support the growth and consolidation of their projects.

The B·crèdits programme has two instruments:

a) B·crèdits guaranteed loan line: under an agreement between the Barcelona City Council, Avalis de Catalunya (hereinafter Avalis) and the Institut Català de Finances (hereinafter ICF), a line of loans granted by the ICF and guaranteed by Avalis has been launched.

b) B·crèdits grant: a competitive grant for small businesses and self-employed workers in the city of Barcelona who obtain and formalise a guaranteed loan from the aforementioned line, to offset part of the expenses associated with the Avalis guarantee linked to the loan.

The guaranteed loan line consists of a total amount of €4,000,000, which will allow the granting of 160 loans of €25,000 each. These loans will be granted by the ICF with Avalis’ guarantee. The line will be available until 30-06-2027 (or until funds are exhausted) and will have the following characteristics:

This initiative involves the participation of Avalis de Catalunya, acting as the guarantor entity, and the Institut Català de Finances, which is responsible for granting the credit.

In addition, the Barcelona City Council, through Barcelona Activa, offers a line of grants aimed at covering a significant part of the cost derived from the guarantee for those companies that have formalised a loan from the aforementioned line. In this sense, it is a public-private initiative designed to support the city’s economy.

HOW to APPLY FOR THE LOAN?

To apply for the loan, follow these steps:

  1. Click on the “Request the service” button.
  2. Complete the online application form.
  3. The Barcelona Activa team will review your application and contact you.

Remember that to qualify for the grant, you must have formalised a loan from the B·credits line.

INFORMATION NOTE ON THE REVIEW PROCESS OF GRANT APPLICATIONS IN THE B-CRÈDITS + CALL

It is reported that, although the application period for the B-Credit subsidy to compensate for the costs of the guarantee has opened on February 9, 2026, the analysis of the applications is not expected to begin until April 30, 2026.

This measure responds to the fact that, in order to apply for the subsidy, it is essential to have previously formalized the guaranteed credit. It is expected that, during the month of April, a sufficient volume of guaranteed credits will have been formalized to allow for a larger and more representative number of subsidy applications.

From April 30, 2026, applications will be reviewed strictly in the order in which they are received. Once the grant application document has been reviewed, if it is correct, the applicant will be required to provide the necessary documentation provided for in the rules. If the application document has any defects or omissions, the applicant will be required to correct them.

Once it has been generated, it must be registered at the Barcelona City Council's Virtual Procedures Office, within the Activa Autòno+ procedure.

FURTHER INFORMATION

Please send your queries about the programme to creafeina@barcelonactiva.cat. 

OPEN CALL

Until funds are exhausted.

DOCUMENTS AND LINKS OF INTEREST