play a significant role in the development of personality and intelligence, provided they are used for this purpose in addition to entertainment.
Other cultural and creativeindustries
The cultural and creative industry is vital for the well-being of a country for many reasons, including the diversity of sectors it includes. CREA SGR can respond to any of them.The main differentiator of CREA SGR is to prioritize project analysis over company rating, given that companies in the cultural sector show a series of financial weaknesses that make direct access to bank financing difficult. This differentiating element makes us develop sectorial experience.Although we were initially born as a financing tool for the audiovisual sector, since 2017 we cover the entire cultural and creative sector. Thanks to the experience we have developed, we know some sectors better; help us to know yours so we can offer you the right solution for your needs.What we finance: the entire publishing sector (creation, editing, distribution, bookstores, etc. ), graphic arts, design, photography, museums, galleries, exhibitions, plastic arts, cultural tourism, activities developed by associations in the cultural sector, cultural training, cultural innovation, ...If you have a professional activity in the cultural industry, CREA is your financial institution.
Financiación destinada a agentes del sector cultural para la realización de nuevos proyectos, crecimiento empresarial y adelanto de subvenciones. La devolución del préstamo se hará con los ingresos derivados de estos. RELLENA IMPORTE Y PLAZO
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.
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
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
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, <strong>to help each other by integrating a common fund that facilitates obtaining financing.</strong> 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
Cookies Policy of our website.
Technical cookies are used to ensure the proper functioning of the website and to provide convenience and smooth navigation for the user.
Analytical or measurement cookies help website owners understand how visitors interact with their websites by gathering and providing information anonymously.
Cookies for integrating social media functionalities into the website and sharing website content on those social media platforms.