2025 – The year of loans

2025 – The year of loans

Via Credit
2025. február 3. 13:30
The new grant ecosystem has changed significantly. While there have been subsidized loan schemes in the past, they did not play a major role - or more precisely, we did not feel their presence.

As we reach the middle of the grant cycle, various loan programs are receiving increasing emphasis. We observe that there are specific limitations, and in many cases, obtaining funds through loans is easier than securing an attractive non-refundable grant - which makes sense.

We have summarized several programs where the subsidy is reflected in the interest rate, meaning that loans can be obtained at a significantly lower cost than market rates. These programs typically operate with large budgets, so there is no need to worry about them running out of funds. In practice, we have noticed that when non-refundable grants are available, there is little interest in loans. However, when there are no active grant calls, interest in loans increases.

Source: Own collection based on calls for applications.

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