ON – Oltre Nuove imprese a tasso zero
Invitalia (Italian National Agency for Inward Investment) · Zero-interest loan
VariesZero-interest 10-year loan covering up to 90% of projects up to €3M (grant portion exhausted since 1 Jul 2026)
Italian national scheme for young (18–35) and women-led companies up to 5 years old: finances up to 90% of projects up to €3M. Since July 2026 it offers only the zero-interest loan — non-dilutive but repayable.
Key terms
- LOAN: since 1 July 2026 the non-repayable grant funds are exhausted; new applications get only the zero-interest loan (10-year repayment)
- Company ≤60 months old (or to be incorporated) with majority of members and capital held by people aged 18–35 or women of any age
- Projects up to €3M in production, services, commerce or tourism; covers up to 90% of eligible costs
- Two-phase evaluation via Invitalia's online personal area
Eligibility
- Where
- Italy
- Stages
- idea, pre-seed, seed
- Max company age
- 5 years
- Needs VC/accelerator backing
- No
- Needs partner referral code
- No
- Must be incorporated
- No
- AI focus required
- No
- Students / researchers
- Not eligible
- Nonprofits
- Not eligible
Also required
- Majority owned by under-36s or women
- Repayable loan (grant share exhausted)
How to apply
Apply via Invitalia's 'Area personale' (Presenta la domanda); incorporated companies must first register in the 'Anagrafica e deleghe' module.
- Benefit
- cash
- Equity-free
- Yes
- Decision time
- —
- Credit validity
- —
- Deadline
- Rolling (open since 2021, while funds last)
- Status
- Open
Verified 2026-10 · source