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At ICF you will find the financing you need
Sustainability Sustainability

Sustainability

Drive sustainable projects with ICF financing to reduce emissions, improve energy efficiency, and promote the circular economy.
Industry Industry

Industry

Modernize your industrial activity with loans that facilitate digitalization, productivity improvements, and industrial efficiency.
Housing Housing

Housing

Build or acquire social housing with subsidized loans for affordable rental housing.
Sector social Sector social

Sector social

Finance social projects that promote equity, inclusion, and collective well-being under flexible conditions.
Primary sector Primary sector

Primary sector

Strengthen agricultural, livestock, fishing, forestry, and agri-food activities with loans that enhance sustainability and technological efficiency.
SMEs SMEs

SMEs

Accelerate your SME’s growth with the necessary financing to innovate, expand, and increase competitiveness.
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Guarantees

Guarantee your business operations and expand your funding sources with our financial and technical guarantees.
Venture Capital Venture Capital

Venture Capital

Boost the technological growth of your innovative start-up with a strong technological component through our financial and investment instruments.
Growth capital Growth capital

Growth capital

Make your company's strategic growth plans a reality with our venture capital solutions for transformative projects.
Arrels Fund Arrels Fund

Arrels Fund

Discover the investment fund promoted by the ICF and the Government of Catalonia, aimed at maintaining decision-making centres and ensuring the local presence of strategic companies in Catalonia.
Investment in funds Investment in funds

Investment in funds

We strengthen the business ecosystem by investing in venture capital funds for innovative and technology-driven projects.
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40 years financing your projects

We celebrate our 40th anniversary in 2025.  On 23 January 1985, the law that launched the ICF was published in the Official Journal of the Generalitat of Catalonia.

In total, over these four decades, we have financed more than 37,000 customers for an amount of more than 16,000 million euros through our activity in loans, guarantees and venture capital.

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Our 40th anniversary, in figures

Since our founding in 1985...

We have financed more than 37,000 companies, entities and freelancers
37.000
We have contributed more than 16,000 million euros to the Catalan business and social fabric
16.000
We have invested in more than 1,200 start-ups and small and medium-sized enterprises
1.200

Agenda

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Access our online banking: Espai Client!

Use our banking platform to request financing, check your operations, and download amortization schedules.

If you have financing needs, create an account or log in to Espai Client, the ICF digital banking platform. Register in Espai Client with your identity document (DNI, NIE, or passport) and you will be able to operate as a self-employed person or on behalf of a company, association, or entity.

On this banking platform you can:

  • Submit a financing application from our catalog of loans and guarantees.
  • Check the status of your operations.
  • View and download the amortization schedule of the contracted products.

Once you have completed the registration process and logged in to the platform with your credentials, on the left side of the screen you will find the "Menu" section, where you can manage your profile data and the companies you have registered.

There, click on the "Recommender" to consult the catalog of loans, guarantees, and venture capital.

Once in the Recommender, scroll until you find the option that best suits your needs: investment or working capital loans to finance general projects or projects for specific sectors or purposes.

Fill out the application, and once the process is completed, you will receive an email with further instructions.

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