HDB Loan Guarantee Funds for Businesses and Self-Employed
Micro, small and medium-sized businesses, self-employed professionals and start-ups that want bank lending at a lower interest rate/with lower collateral through a state guarantee
A 70% guarantee (General Entrepreneurship sub-fund) or 80% (Start-up Entrepreneurship sub-fund); the guarantee fee is 100% subsidised; an interest-rate subsidy of 2% (Attica, South Aegean) or 3% (other regions) for the first 2 years; loans from €10,000 to €10 million depending on the aid scheme; guaranteed loans until 31/12/2029 or until the budget runs out
This information has not been checked by us yet — please confirm it at the official source.
Who can get it
Official evidence · Χρηματοδοτικό εργαλείο ΕΣΠΑ 2021-2027 / Ελληνική Αναπτυξιακή Τράπεζα - Ταμείο Εγγυοδοσίας ΤΕΠΙΧ ΙΙΙ · Checked: 2026-09-25
Official evidence · HDB, TEPIX III Guarantee Fund: «The TEPIX III Guarantee Fund was created to provide guaranteed investment loans, special purpose working capital loans, and special purpose revolving credit working capital loans to SMEs» · «The “ General Entrepreneurship ” Sub-Fund targets all SMEs.» · Checked: 2026-09-30
Based on official sources. For the latest criteria, contact the relevant authority.
How to apply
The steps to apply yourself. Free: you don’t need to pay anyone.
Required Documents
Usually the details gov.gr already holds about you are enough.
Step by step
- 1
Sign in to gov.gr with your TAXISnet codes
You sign in ONLY through the official government page. Never enter your codes anywhere else.
- 2
Open the application service
Go to the official pageAuthority: Άλλος Φορέας
- 3
Fill in and submit the application
Enter your details, upload anything requested and submit. Keep the protocol number.
- 4
Track your application
Progress and the final decision appear in your account on the authority / gov.gr.
Indicative guide — the application and final decision are made by the competent authority.
Indicative results — not an official assessment.
The eligibility check, browsing and the full guide are free.
Already applied? Tell us how it went.
What it is
Micro, small and medium-sized businesses, self-employed professionals and start-ups that want bank lending at a lower interest rate/with lower collateral through a state guarantee. Application period: open until 31/12/2029 or until the budget runs out; apply on the HDB KYC platform and then at the partner bank.
Lifecycle*
ActiveTime-limited programme
- Active until
*Cycles, deadlines, and availability may change regularly. Always confirm with the official source before applying.
Benefit details
- Provider
- Άλλος Φορέας
- Category
- Business & Self-employment
- Status
- Under review
- Type of benefit
- Housing / Loan
Details last verified: 12/10/2026