To obtain funding from the Emilia-Romagna 2026 Multipurpose Fund , micro and small businesses (active for less than 5 years) can access subsidized loans of up to €500.000 for investments in innovation and ICT.
The call is particularly suited to tourism businesses focusing on digitalization (PMS, home automation) and sustainability.
What is the Multipurpose Regional Fund for New Businesses?
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The Fund, established by Regional Council Resolution No. 194/2023 , is a strategic financial instrument designed to support the creation and growth of startups and young businesses in the Emilia-Romagna region.
Through the PR FESR 2021-2027 , the Region provides a mixed provision that drastically reduces the cost of capital.
Technical summary of the contribution
| Feature | Detail |
| Fundable amount | From €20.000 to €500.000 (100% of the project) |
| Mortgage duration | From 18 to 96 months (Pre-amortization max 18 months) |
| Interest rate | 0,00% on the public portion (75%); Euribor 6m + spread on the bank portion |
Is the tender suitable for tourism businesses?
The answer is yes, but with a strategic vision.
Hospitality businesses (hotels, entrepreneurial B&Bs, corporate holiday homes) are fully eligible, provided that the investment is not simple maintenance, but a technological leap towards the Smart Hotel.
What can a hospitality facility finance?
Software and ICT: Implementation of advanced PMS , AI-based Revenue Management systems , and Booking Engines.
Innovation and home automation: Automated check-in systems, IoT sensors for energy saving, and customized digital solutions.
Organizational Development: Consulting for rebranding, new hospitality models, and internationalization plans that generate new jobs.
📌 “Based on our experience in the Horeca sector, the tourism queries that obtain the highest scores are those that demonstrate a direct impact on ADR (Average Daily Rate) and operational efficiency through the digitalization of processes.”
What are the fundable projects and the limits?
The call aims to achieve a technological leap forward. It's essential to distinguish between eligible investments and ordinary expenditures:
| Tourism Project | Is it financeable? | Why? |
| Change of standard furniture | No | The innovation/ICT component is missing. |
| New home automation system | Yes | It falls within the advanced digital solutions. |
| Custom management software | Yes | Effective use of ICT tools for competitiveness. |
How to apply without making mistakes?
The submission window is set from 11:00 am on April 15, 2026 , to 12:00 pm on May 29, 2026. Given the "one-stop" format, the speed and technical accuracy of the Industrial Plan are crucial.
The 3 decision-making steps for success:
Pre-feasibility analysis: Assess whether the project falls within the scope of the Smart Specialisation Strategy (S3).
Business Plan Preparation: Develop a plan that highlights the potential for growth and employment creation.
Choosing a Partner: Identify a partner credit institution and a consultant experienced in subsidized finance.
Beneficiaries of the micro and small business fund have been active for less than 5 years at the time of application.
The guidelines will be available from March 27, 2026, on the Emilia-Romagna Region portal.
Key points for the business
Deadline: Applications from April 15 to May 29, 2026.
Focus: Innovation, ICT digitalization and sustainability.
Advantage: 100% investment coverage with favorable rates.
For further technical details, consult the full text of the resolution or visit the dedicated page on the Emilia-Romagna Region portal.
Want to make sure your loan application is perfect?
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