IAPMEI is the main instrument under the Ministry of Economy for economic policies aimed a micro, SMEs of all sectors, with the exception of agriculture and tourism. Our mission is to promote the competitiveness and business growth through services to strengthen innovation, entrepreneurship and business investment.
We support SMEs in developing their businesses through direct and personalized support to entrepreneurs and top managers deployment strategies for innovation, growth and internationalization, and also in the training of their staff. We encourage the development of entrepreneurial mindset in young people, as well as the creation of new knowledge based businesses with potential for innovation and growth. We provide mentoring and financing solutions for startup and early stages. We grant investment incentives, through non-refundable and refundable schemes, for projects based on innovation, modernization, resource qualification and international roll-out strategies. We provide financing solutions adapted to the companies’ needs and we assist SMEs in their growth, transmission, and corporate turnarounds, thus supporting critical stages in their life cycle.
|Year of creation|
individual entities or association
|Do you (your members) dispose of an internal rating/scoring system?||No|
|Do you (your members) use..?|
De minimis or GBER or Regional guidelines or Notification
|Is the activity subject to state aid regulation?||Yes|
|Other SME support instruments offered by your organisation/your members|
Subsidized loans or Mezzanine financing or Venture capital or Coaching or Mediation services
|Strctural Funds (Portugal 2020)|
|Are you/your members financial intermediary for EU-programmes?|
CIP/COSME or Structural funds or Progress or RSI/RSFF Horizon 2020
|Structural Funds, FEDER and others|
|Type of scheme|
guarantee or counter-guarantee
|Public Agency to SMEs Support|
guarantee or counter-guarantee or co-guarantee
|Co-garantee, Public Agency for SME Support|
|Profit / Non-profit oriented|
dividends to public shareholders are not considered as profit orientation
i.e. mono-product banking licenses, financial intermediary statute, non-supervised. For associations, please state statute of members
|Financial intermediary statute|
|Size of businesses supported|
i.e. large companies, SMEs, micro-enterprises, independent/self-employed
|SMEs, Micro-enterprises, Independent/Self-employed|
i.e. agriculture, industry, crafts, retail, liberal professions, cooperatives, etc.
|SMEs from all sectors, except Tourism sector|
i.e. local, regional, national
|Structure / Network|
i.e. central scheme with regional offices, central scheme only, association network
|Central scheme with regional offices|
of members of an association: i.e. fund, development bank, development agency, cooperative or mutual societies, bank, foundation, association, limited company, etc.
of single guarantee entity or association: i.e. fund, development bank, development agency, cooperative or mutual societies, bank, foundation, association, limited company, etc.
Private / Public (in %)
i.e. fully mutual, funded by SMEs, banking associations, fully public, fully private, private-public, mixed models
|Type of organization|
National Promotional Bank (NPB), National Promotional Institution (NPI), Private, Mutual, Mixed