ICO Guarantees 2026: 120 billion to accelerate the digitalization of small businesses and freelancers

▤ Summary

Spain is launching a new ICO-backed program that will mobilize up to 120 billion euros in public and private investment. The initiative extends the country's post-EU recovery financing strategy beyond 2026 and gives the ICO more lending capacity through a 13.3 billion euro capital injection. Digital transformation sits near the top of the priority list, including AI adoption, automation, technology modernization, e-commerce, and cybersecurity projects. Small businesses, startups, and freelancers could use the new financing to fund software and digital infrastructure upgrades they may have delayed. This creates a clear financing channel for vendors selling enterprise software, automation tools, AI platforms, and security solutions.

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