Green and Digital Transition Loan Program
National Champions - A one-stop combined loan programme for green and digital transition
The objective of the Loan Program (GINOP Plus- 1.4.5-25) is to support micro, small, and medium-sized enterprises (SMEs) in increasing their productivity and added value through technological and organizational renewal, while also contributing to green and digital transition efforts. The program further aims to enhance competitiveness through the adoption of future technologies, expansion into international markets, and brand and product development. It primarily targets growth-oriented businesses with competitive advantages that are capable of entering or expanding in foreign markets, particularly those with strong supplier relationships or export potential.
✅ I'm Interested in the GrantWhat You Should Know About the Loan Program
Eligible Activities
Activities to be carried out during the implementation of the project:
Acquisition of equipment for technological modernisation (at least 30% of eligible costs).
Infocommunication development (equipment, intangible goods, infocommunication services) AND/OR application of technology related to the production, storage or use of renewable energy (minimum 30%).
Other optional eligible activities:
Construction, conversion, extension, modernisation of immovable property
Inventory procurement
Training
Experimental development
Purchase of a new purely electric vehicle
Eligible Costs:
Eligible Costs Under the GINOP Plusz 1.4.5-25 Loan Program
Purchase of equipment
IT tools and software
Investment in renewable energy sources
Building works
Training and consultancy costs
Research and development activities
Purchase of an electric vehicle
Non-eligible costs: VAT deductible, application writing, own works, fossil energy.
Expectations regarding the level or proportion of eligible costs
| Type of costs | Eligible costs as % of total eligible costs | |
| Cost of purchase of NEW tangible fixed assets | at least 30% of | |
| Cost of purchase of a new pure electric vehicle | up to HUF 25 million | |
| Cost of purchase of new information technology equipment | up to 50% in total | |
| Cost of purchase of intangible assets | ||
| Infocommunication services related to the introduction of digital solutions | ||
| Service rental for cloud and other online business solutions | ||
| Business infocommunications development (equipment, intangible assets, services) OR investment in renewable energy (both or both, but at least one) | at least 30% of | |
| Costs for the purchase of new equipment related to the application of renewable energy technologies and the purchase of a new renewable energy generating device (e.g. solar panel) | up to 50% of | together up to 60% |
| Construction, conversion, extension, modernisation of immovable property | Up to 60% of | |
| Experimental development | up to 25% | |
| Investment-related purchase of stocks | Up to 30% (max. HUF 50 million) | |
| Other engineering and expert fees, consultancy and training and advisory services | up to 5% | |
| Within the cost of services related to professional implementation, the cost of infocommunication services related to the implementation of the digital solutions to be deployed (preparation of specifications, consultancy, customisation, installation, configuration, testing, integration, migration, organisation and process development) | up to a maximum net hourly rate of HUF 25 000 | |
| Costs related to quality, environmental and other management systems | up to 2.5% (max HUF 3 million) | |
| Cost of providing publicity | maximum 0.5% | |
Form and Extent of Subsidy
The form of aid is a combination of an interest-free investment loan with a maturity of over one year and a grant.
Investment loan at 0% interest,
Up to 30% non-repayable grant subject to conditions.
Minimum loan amount: HUF 150 million, maximum HUF 600 million.
Required own contribution: minimum 10%, minimum 25% for regional aid.
Submission of Application
Application period: 23 June 2025 - 31 December 2026 or until the budget is exhausted.
Obligations and Commitments
To be eligible for the funding, applicants must commit to meeting the following requirements:
- Project Location Requirements
- The investment must be implemented outside of Budapest.
- The project implementation site must be listed in the company’s official registry (company extract) prior to submitting the loan application.
- Employment Retention Obligation
- The applicant must maintain at least the same average statistical headcount as recorded in the last fully closed financial year preceding the application (the “base year”) throughout the full project maintenance period.
- 3. Project Maintenance Period
- The implemented project must be maintained and operated for at least 3 years following its completion.
- 4. Performance Indicators
To retain the grant amount as non-refundable, the applicant must meet two key performance criteria:- The company must demonstrate an increase in productivity: the gross value added (GVA) per employee must grow at least 1.5 times faster than the GDP growth over the same period.
✔ If this criterion is met, 50% of the grant remains non-refundable.
✘ If not met, this 50% of the grant will be converted into an interest-free loan.
Ha nem teljesül, ez az 50% kamatmentes hitellé alakul.
GVA Calculation Formula:
(Net sales revenue + Capitalized value of own performance – Material-type expenses) / Average statistical headcount - II. Criterion: Participation in MGFÜ Development Programs
The company must take part in one of the business development programs (e.g. supplier development or export development) offered by the Hungarian Economic Development Agency (MGFÜ).
Participation must be verified by an official certificate issued by MGFÜ.
Participation must be verified by an official certificate issued by MGFÜ.
✔ If this criterion is met, the remaining 50% of the grant also becomes non-refundable.
Full Grant Retention
If both performance criteria are fulfilled, the entire grant amount remains non-refundable.
If either condition is not met, the corresponding portion of the grant will be converted into a zero-interest loan.
- The company must demonstrate an increase in productivity: the gross value added (GVA) per employee must grow at least 1.5 times faster than the GDP growth over the same period.
Project Period
Final date for physical completion of the project: 31 December 2029.
The deadline for the implementation of the project is 24 months after the conclusion of the contract, which may be extended by a further 6 months if justified.
BUSINESS SUCCESS AT EVERY SCALE
MAXIMIZE YOUR GRANT RESULTS
WITH IBSH'S HELP
0
Free consultation on subsidy opportunities
ibsh cooperation
1
state aid perspective due diligence of the company and designation of dedicated ibsh contact
2
setting up an eligible project, submit the subsidy application
3
communication with the managing body and the donor
4
preparing the financial and monitoring reports
THE UNIQUENESS OF IBSH
Market-leading experience gained on the donor’s side
Strategic advantage through stable professional relationships
Commitment to professional responsibility and fostering long-term partnerships
Let's work together to find the best solution for your company
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