On July 15, the program opened that the Hungarian SME sector has been waiting for for many years. A loan that is not just „plus” in name - but also in what it delivers. The GINOP Plusz-1.4.3-24 “B” type working capital loan offers what every business dreams of: free money with 0% interest, 0% own contribution, 0% handling fee, 0% prepayment charge, and maximum flexibility.
And this is not something to dream about, it’s available. Right now.
What is this loan, really?
It’s a state-backed tool that doesn’t push you into debt, it lets you circulate capital. The aim of the program is to finally give Hungarian micro- and small businesses a competitive edge. No own contribution required, no need to „prove anything”, just show that you had a positive operating result, and that you can reinvest the capital into one of the following:
- inventory purchases (materials, goods, raw materials)
- operating costs (e.g. utility bills)
- service fees (transportation, leasing, subcontractors)
- workforce-related expenses
What makes this scheme work “like magic”?
Behind the loan lies a stable framework and targeted regional allocation: the total available budget is HUF 70 billion, of which at least HUF 45.5 billion is reserved for the four most disadvantaged regions. And the key point: a Budapest-based headquarters disqualifies you – but a rural site is enough.
This loan is not only simple, but targeted: only those can apply whose main business activity falls within the designated TEÁOR codes - and this cannot be a recent change. It must have been listed in the company register before January 1, 2024. This is not a limitation, it’s a guarantee that the funding truly goes to those who produce, work, and develop.
You can apply for an amount between HUF 1 million and HUF 20 million, with 0% annual interest, a maximum term of 6 years, and up to 3 months grace period. As collateral, a personal surety or even a 20% coverage-value guarantee is sufficient.
The question is no longer whether you're interested...
But this: will you miss it? Because with its simplicity, transparency, and brutally favorable terms, this program could be depleted within days. And in this country, in this economic environment, getting money like this is quite simply an irrational luxury.
Now is the time. Get the money that until now was only a promise.
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