Recursos útiles y acceso a la financiación

En esta lección se mostrarán los recursos útiles y el posible acceso a la financiación en Europa en general y en los países socios en particular. Los recursos útiles pueden ser organizaciones que apoyen al empresario con financiación, asesoramiento, formación u otros medios necesarios para la empresa.

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Financiación y apoyo financiero en Europa

There are different EU funds available for start-up businesses. To find out which one meets your needs, as well as information on support and resources, visit the Start-up Europe Club.

You can also use the Start-up Europe Partnership platform to get help with expanding and developing your business.

If you’re looking to increase the visibility of your business project, you can register your project on the European Investment Project Portal. The portal also enables you to get in contact with potential international investors.

See also:

• Interactive map: companies funded by the EU via the SME Instrument
• Find a company: access company information in the EU
• Women entrepreneurship gateway

Where to find national funding opportunities

National support for women’s entrepreneurial activities are numerous. Entrepreneurs should be open for the opportunities available in their own countries.

Iceland has several funds where entrepreneurs have the opportunity to apply for funding. Some smaller funds are dedicated to women’s entrepreneurship activities, like among others, Atvinnumál kvenna and Svanni dept insurances.

Opportunities (ISL)

• Technology Development fund
• Innovation Center of Iceland
• Food
• Arion banki.

Different types of funding, public vs. private

Funding of the enterprise activities can be very complex. The entrepreneur can look for funding among private persons or legal persons. She could also look for public funding, such as from research and innovation funds. Those funding opportunities are usually in competition between different entrepreneurs but also older companies conducting innovative activities. Here is a list of different sources of funds for the entrepreneur company:

• The founder does usually contribute with funds, according to her ability.
• The 3F’s: family, friends, and fools
• Business angels, usually invest in the enterprise
• Crowdfunding, rather new but important source of funding
• Subsidies of different kind, such as tax schemes
• Venture capital or private equity
• Debt financing for example a bank loan. Not recommended if the risk is high
• Factoring, that is to sell the invoice to finance company. Often to shorten the time it takes to get funding for the sale of the enterprise
• Leasing: instead of purchasing a machinery the entrepreneur can lease it.
• Suppliers can give the buyer extension to pay for the goods they sell

There are other means of funds and the entrepreneur is encouraged to look at any available sources of funding. She must consider the risk of the operation, and the ability to pay back. In case of application to public funding, the entrepreneur must do a lot of work – applications should always be filled out with great care, so that it becomes more likely to receive public funding.