Soft Loan Scheme

Extra funding is often required to drive innovation. At Malta Enterprise, we understand this, and have devised a scheme to give your business the boost it needs, whether it is a start-up, scale-up or established operation. This funding complements private cash reserves and bank loans, injecting vital capital into your enterprise.

The Soft Loan unlocks up to €1 million to fund the introduction of new products to the market, aid business expansion, further the implementation of sustainable practices, and the streamlining of digital processes.

This scheme can cover up to 75% of the costs incurred, up to a total of €1 million, to be re-paid over a period of 5 years.


Maximum support per undertaking amounts to €1 million, or €500,000
for road freight transport.

An eligible undertaking may be supported through a soft loan to:

a) facilitate a development or expansion project based on a business plan prepared in view
of developing a new product or entering a new geographic market

b) address environmental issues such as water usage, water treatment, waste treatment, reduction and reuse

c) optimise business processes through digitalisation and advanced technologies

d) projects aimed to achieve a high level of sustainability

The loan amount shall not exceed:

a) One million euro (€1 million) (or five hundred thousand euro (€500,000) for undertakings performing road freight transport) and must be repaid over a five (5) year term

b) Five hundred thousand euro (€500,000) (or two hundred fifty thousand (€250,000) for undertakings performing road freight transport) and must be repaid over a ten (10) year term

31st October 2023