TEPIX III Microfinance Fund (Microloans up to €25,000, No Collateral)
Microloans of €3,000–25,000 without collateral for very small businesses and self-employed people with at least 1 year of activity, with an emphasis on women's entrepreneurship.
A €3,000 to €25,000 loan without collateral, over 12–96 months, with 60% of the loan (75% for women's entrepreneurship) provided interest-free by the Fund, through licensed Microfinance Institutions
Who can get it
Official evidence · ΤΕΠΙΧ ΙΙΙ Ταμείο Μικροπιστώσεων — «πολύ μικρές οντότητες» (ν.4308/2014) και ατομικές επιχειρήσεις· κατώφλια 10 ατόμων / 450.000€ ενεργητικού / 900.000€ κύκλου εργασιών · Checked: 2026-09-26
Official evidence · ΤΕΠΙΧ ΙΙΙ — ελάχιστη λειτουργία 1 έτους και περιορισμός προηγούμενης ενίσχυσης ΕΑΤ · Checked: 2026-09-26
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.
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What it is
The Microfinance Fund of the Hellenic Development Bank finances, through licensed Microfinance Institutions, very small entities and natural persons running a sole business activity that have operated legally for at least 1 year, with an emphasis on women's entrepreneurship. The loan ranges from €3,000 to €25,000, without collateral, with a term of 12 to 96 months and a possible 6-month grace period. 60% of the loan (75% for women's entrepreneurship) is provided interest-free by the Fund. Loans are disbursed before the end of the Eligibility Period, i.e. by 31/12/2029; no other application deadline has been announced. Apply through the Development Bank's platform (kyc.hdb.gr).
How much it pays
| Tier | Amount | Frequency |
|---|---|---|
Microloan Term 12–96 months, grace period up to 6 months; 60% (75% for women's entrepreneurship) interest-free from the Fund | 3.000 € | One-time |
Lifecycle*
ActiveTime-limited programme
No fixed end date is currently recorded.
*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
- Active
- Type of benefit
- Housing / Loan
Details last verified: 11/10/2026