Steps to follow

We advise you throughout the whole process

background of Steps to follow

We secure the best financing for your project

Our objective is to secure and enhance financing for SMEs in the sectors we operate by providing guarantees for their operations with financial entities. By doing so, approved projects can benefit from the best market conditions available. We have established agreements with major banks in the country, and as we assume the total risk of the operation, financial entities offer the same favorable conditions and terms they provide to their top clients. This is because the risk of non-payment is eliminated through our guarantees. We encourage you to explore our website to gain a better understanding of our organization and the range of services we offer across various sectors. When you decide to request a guarantee from us, you will have to process it online. Our guide is designed to assist you throughout the process.

We help

How we help you

We advise you throughout the entire process to help you obtain financing for your project.


We get the best financing for your project with the maximum guarantees for the banks

By having agreements with the country's leading banking institutions, we secure the best financing conditions for you while ensuring maximum guarantee.


We improve your negotiating capacity by getting you the best conditions and reducing your financial cost.

By guaranteeing operations, we ensure that banks offer the same financial conditions they provide to their top clients, as the risk of default is eliminated.


We make it easier for you to comply with the law on contracting with the public administration.

Our guarantee is recognized by the public procurement law as one of the acceptable options for fulfilling the required guarantee submission


We offer you specialised advice

As the only exclusive mutual guarantee society in your sector, we possess a deep understanding and expertise that enables us to analyze your project meticulously, step by step.

What are they for and what benefits do they offer OUR GUARANTEES

THAT THE BANK WILL LEND YOU MONEY With our guarantee, the banks grant the loans since we are the ones who act as sole guarantors of the operation.

SUBMIT IT TO THE ADMINISTRATION The law of contracting with the Public Administration contemplates our guarantee as one of the possibilities for the presentation of the required guarantees.

GETTING BETTER CONDITIONS The operations guaranteed by us get the banks to offer the financial conditions they grant to their best clients since the risk of non-payment disappears.

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Sector Audiovisual

For SMEs and self-employed professionals working in any area of the audiovisual sector (production, post-production, distribution, exhibition, auxiliary activities, etc.)

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Sector Cultural Industry

For small and medium-sized enterprises (SMEs) and self-employed individuals operating in any area of the cultural and creative industries, such as Music, Performing Arts, Digital Creation and Video Games, and Other Cultural and Creative Industries (publishing, photography, visual arts, cultural tourism, museums, etc.).

Learn more

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Sector Sports

For sports federations, clubs, or sports entities that can benefit from our agreements with ADESP, Proliga, and RFFM (Royal Football Federation of Madrid) for the advancement of grants and sponsorships.

Learn more

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Sector Game and entertainment

For SMEs and self-employed in the game and entertainment sector who want to develop any activity related to the sector.
We facilitate guarantees before the Autonomous Communities.

Learn more


We help and advise you throughout the whole process


Apply for the Guarantee

If you have already explored our website and reviewed our guide, you are now ready to access the 'Apply for your guarantee' section and complete the necessary documentation. Additionally, feel free to call us for an initial consultation.


Pre-feasibility analysis

If your application meets the requirements, we will proceed with validating the documentation. In the event that CREA is unable to finance your operation, we will promptly contact you to discuss alternative options


Feasibility study

The risk department will carefully review your application and may request additional information to facilitate its approval


Process the operation

After CREA approves the financing, our formalization department will reach out to the most suitable bank. Once all the necessary preparations are in place, we will notify you to schedule the signing at the notary's office

  • Sector
  • SME size (being a small or medium-sized company): self-employed, Ltd., Inc., association, foundation, etc.
  • No payment incidences in official registries (Tax Authorities, Social Security, Cirbe, Asnef, etc.)
  • Have at least one worker (or be self-employed)

¿You still have any doubts?

Frequently Asked Questions (FAQ)

Is it necessary to be a company in order to request a guarantee from CREA SGR?

  • No, CREA can provide guarantees to self-employed individuals and small and medium-sized enterprises (SMEs), but it does not offer guarantees to individuals.

Is it possible to apply for a guarantee from CREA SGR in any sector?

  • No, CREA is the only Spanish Mutual Guarantee Society that exclusively operates within specific sectors, which include the audiovisual, cultural and creative, sports, and gaming and entertainment industries.

Is it required to be a partner of CREA SGR to obtain their guarantee?

  • Yes, it is a prerequisite, as this is what the mutual guarantee is all about, to help each other by integrating a common fund that facilitates obtaining financing. But don't worry, you won't have to pay any amount until you have formalized the guarantee with the bank.

    The amount will be 0.5% of the formalized amount, rounded to multiples of 60€ (the nominal value of the social shares).

    This capital is refundable at the expiry of the operation, at which time you can choose to request a refund or remain a Partner of CREA. If you decide to remain a partner, you will continue to receive our advice and information. and you will help this instrument to become stronger .

What documentation is required to be provided?

  • We will request information regarding the project or activity you intend to undertake, as well as fiscal and legal documentation

    you can find the required documentation in the products of each sector.

How do I apply?

  • You must apply online. Our guide is designed to assist you throughout the process.

    Don't worry, for any questions you can contact us through our phone number 915123048 and we will guide you during the entire application process.

What are the CREA SGR's costs?

  • This financing has costs from CREA and costs from the banking institution.

    The CREA's costs are (1):

    • 0,5% Study Commission
    • 1% Annual guarantee commission (2)
    • 0,5% Social shares (refundable upon completion of the operation)

    (1) As long as the operation complies with CREA SGR's risk standard..
    (2) Subsidized cost during the first year for operations in the audiovisual and cultural industry sectors, subject to nominative approval by the Subdirectorate General of Cultural Industries of the Ministry of Culture and availability of funds.

When do I go to the bank, before or after obtaining the guarantee from CREA SGR?

  • You should directly approach CREA to analyze your project and obtain the guarantee. We will take care of all the banking procedures on your behalf.

If you have a project and you need financing at the best market conditions, apply for your guarantee

Apply for your guarantee Ver Tutorial

Videotutorial de solicitud de aval

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