Under the GINOP Plusz-1.4.5-25 Programme, GINOP Plusz-1.4.5-25 Program: up to 45% non-repayable grant for investments by small and medium-sized enterprises may access non-repayable investment grant of up to 45%, capped at HUF 450 million, if they are planning to renovate or expand their own real estate, purchase tangible assets, and introduce or expand new software and/or renewable energy generation systems.
What is the objective of the GINOP Plusz-1.4.5-25 Programme?
The GINOP Plusz-1.4.5-25 National Champions Loan Programme aims to fund small and medium-sized enterprises in increasing their productivity and added value, with a particular focus on technological and organisational renewal, as well as facilitating the green and digital transition. In addition, the programme contributes to strengthening the competitiveness of businesses through the adoption of future technologies, the expansion of their international market presence, and brand and product development.
The scheme is primarily targeted at growth-oriented businesses that have a competitive edge, are export-ready, and are on the verge of unlocking new market opportunities, particularly through their supplier relationships or international market ambitions.
A wide range of activities may be granted under the programme, including, for example, the acquisition of equipment, IT tools and software, and investments related to renewable energy sources. In addition, it also provides an opportunity to finance construction works, training and advisory costs, and research and development activities; moreover, the grant may even extend to the purchase of electric vehicles or inventory acquisition. This broad scope of eligible activities is particularly advantageous, as it allows the programme to flexibly accommodate complex business development plans.
What are the key conditions of the GINOP Plusz-1.4.5-25 Programme?
One of the most important changes is that the maximum financing amount has increased to HUF 1 billion, while the ratio of non-repayable grant may reach up to 45%. This means that, from a HUF 1 billion loan, as much as HUF 450 million may qualify as non-repayable grant, and under certain conditions, this amount will no longer need to be repaid to the bank.
You can read the additional conditions relating to the non-repayable grant here: National Champions Loan Programme – 1 programme, 2 objectives
In addition, the scope of eligible applicants has been expanded: not only supplier or exporting companies, but also businesses with growth potential may now submit an application. This criterion is met by companies whose net sales revenue increased by at least 30% in the periods preceding the submission of the loan application, or whose average statistical headcount increased by at least 5%.
Not only has the level of available investment funding and the range of potential beneficiaries changed under the GINOP Plusz-1.4.5-25 Programme, but the scope and ratio of eligible costs have also changed favourably:
- the minimum required ratio of mandatory equipment procurement has been reduced to 10% of total eligible costs;
- the maximum ratio of construction costs has increased to 80% of total eligible costs;
- the scope of eligible costs has been expanded to include the purchase of business-purpose drones, site preparation costs, and the fees of services used to measure and fulfil horizontal requirements;
- the combined value of other costs may account for up to 7% of total eligible costs, including engineering and expert fees, infocommunication services, quality assurance systems, and costs related to horizontal requirements;
- in order to qualify for the non-repayable grant, the share of corporate infocommunication systems and solutions and/or renewable energy-related project elements must reach 10%.
The objective of the GINOP Plusz-1.4.5-25 National Champions Loan Programme remains to fund GINOP Plusz-1.4.5-25 Program: up to 45% non-repayable grant for investments by small and medium-sized enterprises through investment funding, helping them increase their productivity and added value, with a special emphasis on technological and organisational renewal and the green and digital transition.
One of the programme’s greatest advantages is that it offers a fixed-rate loan at 0% interest for the entire term, which may be combined with non-repayable grant of up to 45%, making it a particularly attractive financing opportunity. The scheme may be used for a wide range of purposes, while also being free of bank charges, meaning that applicants do not need to factor in additional banking costs. Another important advantage is that there are no hidden costs, the collateral requirements are favourable, and the required own contribution is low, which may make the programme accessible to an even wider range of businesses and applicants.
Please visit our website for our detailed summary.
Applications for investment funding under the amended call may already be submitted, but the opportunity will remain open until 31 December 2026 at the latest. The experts of ibsh provide funding in the preparation of projects aligned with the scheme, financial planning, and successful application submission.
Should you have any questions or require assistance with the application process, please feel free to contact our colleagues.
