One of the most important economic news items of the summer didn’t come from the stock market - but from a quiet government announcement: starting July 15, the SME Technology Plus Loan Program has been expanded. Right now, we’re only interested in Component B - and why? Because it’s the only interest-free, no-own-contribution, rapid liquidity lifeline that could be life-saving for businesses struggling with daily operational costs.
The GINOP PLUSZ-1.4.3-24 Component B is aimed at micro and small enterprises seeking funding for operational and working capital expenses. They’re not looking to invest or buy equipment - they want to survive, pay salaries, purchase raw materials, and keep the lights on.
„Interest-free? Seriously?” Yes, and it’s not a small amount either!
You can apply for up to 20 million forints in loans, with 0% interest, and 0 forints of own contribution.
The goal: to ensure the day-to-day functioning of businesses, so salary costs, utilities, inventory purchases or services don’t come to a halt.
A few key facts:
- Interest-free loan amount: minimum 1 million HUF, maximum 20 million HUF
- Own contribution: 0%
- Advance payment: 100%
- Term: up to 6 years
- Application period: from July 15, 2025 to December 31, 2025
Who is this opportunity for?
The program targets micro and small enterprises operating in developing regions, with at least one fully closed business year - meaning almost all of Hungary, except for Budapest. If you operate in places like Békéscsaba, Miskolc, Kaposvár or Szekszárd, this is for you.
And most importantly: you don’t need an investment purpose. It’s enough if you’re operating - and want to keep operating.
What types of costs can it cover?
This loan is specifically focused on daily operations. It can be used for:
- purchasing supplies and materials
- subcontractor fees
- wage and social contribution payments
- utility costs
Important: It cannot be used for equipment purchases or asset investments! If that’s what you need, Component A is the right path.
Why is this important now?
In the past year and a half, liquidity in the SME sector has dropped significantly. Interest rates remain high, banks are reluctant to lend, and EU payments are delayed. Businesses don’t have time to wait for the economy to "normalize" - that’s why this targeted lifeline matters right now.
The government’s goal is clear: prevent viable but temporarily underfinanced companies from going under.
If you’ve held back on development because even basic operations were barely sustainable - now there’s finally money for that. The only remaining question is: who will take advantage of it first?