# ENISA's financing lines

> ENISA's five current lines: Startups y Pymes plus four sector lines. Same financial terms; what changes is who qualifies for each one.

- Canonical: https://help.enisa.ai/en/sobre-enisa/lineas-de-financiacion
- Updated: 2026-08-08
- Language: en-US
- Versión en español: https://help.enisa.ai/sobre-enisa/lineas-de-financiacion.md

ENISA today offers five financing lines: **Startups y Pymes** (the general one) and four sector lines — Emprendedoras Digitales, AgroInnpulso, Audiovisual e Industrias Culturales y Creativas and Innovación x Clima — with the same financial terms across all of them. This structure, verified against enisa.es on 6 August 2026, is simpler than many websites still describe.

## The five current lines

1. **Startups y Pymes** — the general line. If your company meets [the requirements](/sobre-enisa/requisitos-actuales), this is your line by default.
2. **Emprendedoras Digitales** — a sector line tied to women-led digital entrepreneurship.
3. **AgroInnpulso** — a sector line for innovation in the agri-food space.
4. **Audiovisual e Industrias Culturales y Creativas** — a sector line for the audiovisual and cultural and creative industries.
5. **Innovación x Clima** — a sector line tied to climate innovation.

What matters: **the financial terms are the same across all of them** — €25,000 to €1,500,000, up to 7 years, up to 2 years' grace, no guarantees, own funds at least equal to the loan. What changes between lines is **who can apply** to each one. The four sector lines add their own access criteria on top of the general ones; check each line's page on enisa.es for the current detail, because ENISA is who defines them.

Fitting a sector line can be worth it — differentiated budgets and a call closer to your project — and our analysis flags it when it detects the fit.

## Beware of outdated information

Until recently ENISA organised its financing into three lines by company stage: *Jóvenes Emprendedores* (up to €75,000), *Emprendedores* (up to €300,000), and *Crecimiento* (up to €1,500,000), with requirements such as the age of the majority shareholders. **That structure is no longer the current one**, but it still shows up on many websites, articles, and answers from general-purpose AI assistants. If a source talks about "the Jóvenes Emprendedores line" or €75,000 caps, it is quoting the past.

## Common issues

### Which line do I apply to?

If no sector line clearly fits you, Startups y Pymes. If you think you fit a sector line, review its criteria on enisa.es or run our analysis, which assesses the fit.

### Can I apply to two lines at once?

Each application goes through one line. Which combinations ENISA allows over time depends on its conditions; check with ENISA for your case.

### I'm under 40 — do I get an advantage?

The old age-based line no longer exists as such. What counts today is the project and the requirements of the line you apply to.