# ENISA's current requirements

> The requirements in force, checked one by one against ENISA's published guide: own funds, SME status, innovation, accounts, audits above €300,000, and more.

- Canonical: https://help.enisa.ai/en/sobre-enisa/requisitos-actuales
- Updated: 2026-08-08
- Language: en-US
- Versión en español: https://help.enisa.ai/sobre-enisa/requisitos-actuales.md

To apply for an ENISA loan today you need, among other published requirements: a company incorporated in Spain, SME status with an innovative business model, own funds at least equal to the amount requested, accounts filed and obligations up to date — and an external audit if you request more than €300,000. This list is checked requirement by requirement against ENISA's official guide and conditions. **Last human verification: 6 August 2026**, against enisa.es (the Startups y Pymes line) and the official documents that page links to. When ENISA changes something, this page will change with it — this is exactly the kind of information that tends to be outdated across the internet.

## Requirements published by ENISA

1. **A company incorporated in Spain.** Legally incorporated in Spain, with its own legal personality and its tax domicile in Spanish territory. Note: ENISA does not require your activity to happen in Spain — a Spanish company selling entirely abroad qualifies.
2. **Being an SME.** Fewer than 250 employees and annual turnover under €50M or a balance sheet under €43M.
3. **Amount between €25,000 and €1,500,000.**
4. **Own funds ≥ the amount requested.** The requirement that stops the most applications: your equity must be at least equal to the loan amount you ask for. A prior or committed cash capital increase is the usual way to meet it.
5. **An innovative business model**, with clear competitive advantages. The requirement is published; where exactly the bar for "innovative" sits is not — our analysis gives you an honest reading of how your case fits.
6. **Any sector except real estate and financial.**
7. **Accounts filed and obligations up to date.** Last year's accounts deposited at the Registro Mercantil, and current with the tax agency (Hacienda) and Social Security.
8. **External audit if you request more than €300,000.** Auditing takes weeks: if you plan to exceed that figure, start early or adjust the amount.
9. **A solid business plan** showing the project makes sense and can generate returns.
10. **Complying with the DNSH principle**: your activity must not cause significant harm to the environment.
11. **Use of funds.** The loan cannot be used to refinance existing debt or cancel it early, nor to distribute dividends or other payments to shareholders.

## Not a published requirement, but it matters

A practical signal from the people who file these applications daily — **not a requirement published by ENISA**: approved operations usually make disbursement conditional on a **cash capital increase** that is either completed and unspent, or committed. The real approval letters we have analysed confirm it. If you have no capital increase done or planned, raise it from the start: it is the first thing to solve.

## Common issues

### What if my own funds fall short?

It is the first thing our analysis detects, with the exact figure you are missing. The usual solution is a capital increase before applying.

### Am I innovative enough?

ENISA publishes no threshold. A purely traditional business does not fit; in between there are many shades of grey, and that is what the analysis is for.

### What if I haven't filed my accounts yet?

It is not a final no: file them and apply afterwards. It is a delay, not an exclusion.