Data from the Spanish National Statistics Institute (INE) shows that business creation in Andalusia grew by 31.9% in March 2026 compared to the same month the previous year. This figure confirms an upward trend observed since October 2025, driven by—among other factors—public grants for new businesses.

The array of available grants ranges from provincial subsidies to state programs, as well as initiatives from the Regional Government of Andalusia itself. In this guide, we go over the most notable options so you can identify those that best fit your project.

Key takeaways

• At the regional level, the “Cuota Cero” (Zero Fee) program and the “Innovactiva” program stand out as forms of financial aid for new businesses in Andalusia.
  
• At the national level, you can benefit from programs such as the Digital Kit or the lump-sum payment of unemployment benefits.
  
• At provincial, regional, and national levels, there is nonfinancial guidance-based support available, such as the advisory services offered by the Jaén City Council and assistance from the Almería Rural Acelera Pyme (Rural SME Accelerator) Office.
  

Regional grants to start a business in Andalusia

According to INE data, in 2025 Andalusia ranked third among Spain’s autonomous communities for the highest number of new businesses. To boost this trend, the Regional Government of Andalusia offers various forms of financial grants aimed at lowering the barriers to entry for entrepreneurship. Below, we go over some of the most notable ones:

Cuota Cero (Zero Fee) program

Cuota Cero (Zero Fee) is one of the grants offered by the Regional Government of Andalusia to start a business. In this case, the subsidized expenses correspond to the flat-rate contributions that self-employed workers must pay, the full amount of which can be recovered if the self-employed worker meets the stipulated requirements.

The standard duration of this grant is 12 months, extendable to 24 months under certain circumstances: having a recognized disability of 33% or more; being a victim of gender-based violence or terrorism; returning to self-employment following leave for maternity, adoption, or foster care; or maintaining the reduced contribution rate between months 13 and 24 while earning less than the national minimum wage (SMI).

Grants to promote self-employment

Line 2 of the grants to promote self-employment—which covers the start of business operations—supports entrepreneurs planning to work on a self-employed basis in Andalusia. To benefit from the subsidy, they must have a feasibility plan demonstrating the project’s profitability.

These grants are primarily intended to cover Social Security contributions for self-employed individuals and workers in the maritime or fishing sectors; therefore, these grants are of particular importance in provinces such as Cádiz and Huelva.

“Innovactiva” program

These grants for starting a business in Andalusia are intended for individuals who are going to launch a company, whether by registering as self-employed or by incorporating a limited liability company (SL). The “Innovactiva” program highly values business projects that incorporate the use of new technologies.

The age limit for applying for the grant is 35, although it’s extended to 40 if the company to be launched is in the livestock or agricultural sector. In both cases, the grant can reach a total amount of €9,000.

Andalusian Entrepreneurship Centers (CADE) and Entrepreneurship Service Points (PAE)

The Andalusian Entrepreneurship Centers (CADE) are in-person offices integrated into the network of Entrepreneurship Service Points (PAE). Although they do not provide direct funding, they do offer key support during the initial stages of a business: for instance, they can help with registration under the Special Regime for Self-Employed Workers (RETA) or handle the procedures required to form a limited liability company (SL).

As of June 2026, Andalusia had 275 CADEs. Seville, Málaga, and Granada are the three Andalusian provinces with the highest concentration of these centers, with a total of 47, 46, and 33 CADEs in each, respectively.

Provincial grants for starting a business in Andalusia

At provincial level, grants are available that are tailored to the needs of each Andalusian region. Let’s take a look at some of the most beneficial ones for entrepreneurs:

Grants for starting a business in Almería

Grants for entrepreneurial talent and promotion of self-employment

Line 2 of these grants subsidizes the expenses incurred by entrepreneurs when launching their business projects. Its main objective is to support innovative projects in Almería, such as starting an online business through which you offer a pioneering online service. If you have an innovative entrepreneurial idea in mind, you must submit your application no later than 10 business days after the call for applications opens.

Acelera Pyme Rural Dipalme (Rural SME Accelerator)

This program offers advice to entrepreneurs who want to start a business in municipalities in Almería with fewer than 20,000 inhabitants. The free consulting service is provided in person at the three Acelera Pyme Rural Dipalme (Rural SME Accelerator) offices or, alternatively, virtually. In both cases, personalized support is provided on key aspects such as cybersecurity, digital transformation, and customer relations.

Grants for starting a business in Cádiz

“Más y mejores empresas” (More and Better Businesses) program

This program facilitates the launch of business projects in the municipality of Cádiz, provided that the beneficiaries contribute at least 25% of the grant amount received. The maximum amount of the “Más y mejores empresas” grant varies depending on the nature of the eligible expenses:

• 100%, up to a maximum of €4,000: Expenses such as the technical plan required to obtain the activity license, utilities, and the lease for the commercial premises
  
• 50%, up to a maximum of €30,000: Investments such as the purchase of business management software licenses, e.g., customer relationship management (CRM) and enterprise resource planning (ERP); the creation of a visual identity; and the acquisition of furniture
  

Grants for starting a business in Córdoba

Senior entrepreneurship

The Córdoba Municipal Institute for Economic Development and Employment (IMDEEC) provides grants for starting businesses in Córdoba, particularly in economically vulnerable areas. Specifically, Grant Line 1 of the “Self-Employment” program is aimed at funding projects developed by professionals over the age of 52.

Grants for starting a business in Granada

Business accommodation

The Municipal Center for Business Initiatives guides entrepreneurs in Granada in assessing the viability of their projects. In addition to its role as an incubator, the center launched its “Business Accommodation” service, through which it makes spaces—such as meeting rooms and classrooms—available to entrepreneurs in Granada.

Grants for starting a business in Huelva

Promotion of innovative entrepreneurship

With the primary goal of promoting innovative entrepreneurial initiatives, the Huelva City Council collaborates closely with Andalucía Emprende to offer three grant programs through which €2.2 million will be awarded. The funds come from the Andalusia European Regional Development Fund (ERDF) program for 2021–2027 and are largely earmarked for the formation of new companies.

In addition to financial support, an advisory service is provided to facilitate the launch of businesses; during the first half of 2025, this service contributed to the formation of more than 420 companies in the province of Huelva.

Grants for starting a business in Jaén

Advise on starting a business

This nonfinancial support aims to ensure that any viable business project in Jaén moves forward. To achieve this, the Municipal Institute for Employment and Business Training (IMEFE) provides free guidance to entrepreneurs, helping to facilitate processes such as securing financing, completing company incorporation formalities, and obtaining financial support—such as the following.

“Emprende e innova en desarrollo sostenible” (Entrepreneurship and Innovation in Sustainable Development) program

The Jaén Provincial Council promotes utilization of the province’s natural resources through the “Emprende e innova en desarrollo sostenible” program. The best initiatives—those that are sustainable, efficient, and innovative, and that generate employment in Jaén—are eligible for an award of €4,000.

Grants for starting a business in Málaga

“Financiare” program

If you have a business idea that would allow you to work in Málaga on a self-employed basis, you can turn to the “Financiare” program, which offers various forms of financial support. Entrepreneurs can submit their applications year-round, specifying the amount of money they need and how they intend to invest it. If the Municipal Institute for Training and Employment (IMFE) approves the grant, it provides financial support under favorable terms, such as microloans and standard loans.

Business promotion grant for Málaga-based SMEs

If your business project in Málaga is viable and launching it requires an investment of at least €1,500, you can apply for the business promotion grant for Málaga-based SMEs. If the Málaga City Council awards you the grant, you will have two months to carry out the subsidized activities and document them with the corresponding invoices.

Grants for starting a business in Seville

Entrepreneurship grants

Seville City Council offers grants to entrepreneurs who wish to set up their companies. If the expenses are eligible for the grant, the council covers 80% of the amount, up to a maximum of €5,000, for general expenses, such as administrative services for incorporating the company. This budget includes a grant of up to €3,000 to cover business accommodation expenses, such as the rental of a coworking space.

National grants for starting a business in Andalusia

In addition to regional and provincial grants, Spain offers national grants for starting a business. The goal is to stimulate entrepreneurial activity, which showed promising figures in 2025: 13.8% of Spaniards stated their intention to start a business within three years, according to the Global Entrepreneurship Monitor (GEM). Below, we review some of the main state-level grants:

Lump-sum payment of unemployment benefits

Thanks to this measure, it’s possible to receive the remaining balance of unemployment benefits as a lump-sum payment, provided the funds are used for one of the following purposes:

• Starting a business as a self-employed worker
  
• Making a capital contribution to a newly established company or a company that was registered in the Spanish Commercial Registry within the previous 12 months
  

The State Public Employment Service (SEPE) estimates that 49,596 people converted their unemployment benefits into a lump-sum payment in 2024.

Flat-rate contribution for self-employed workers

This is a benefit that reduces the contribution self-employed workers pay to Social Security. It’s available only to new self-employed workers who meet certain requirements—such as not being registered as a “collaborating self-employed worker” (i.e., working for another self-employed worker who is a close family member) and having no outstanding debts with the Spanish Tax Agency (AEAT) or Social Security.

As of January 1, 2023, the reduced fee was set at €80 per month (up from the previous €60 per month), an amount that remained in effect until December 31, 2025. From 2026 onward, its amount is set annually in the General State Budget. Starting in 2026, this rate stands at €88.64 per month: The €80 approved in 2023 plus 0.9% from the Intergenerational Equity Mechanism applied to the self-employed worker’s contribution base (€960.60 while the worker is covered by the flat rate; that is, the minimum base for Bracket 1 when the flat-rate increase was approved).

According to data from the Secretary of State for Labor, in April 2026, 12.6% of self-employed workers were benefiting from the flat-rate contribution.

Digital Kit program

This digitalization program for small and medium-sized enterprises (SMEs) and self-employed professionals is designed to enable existing businesses to launch their operations online. If, for example, you have a brick-and-mortar store, the Digital Kit allows you to create an online store and sell your products nationwide—and even internationally, should you choose to expand your business beyond Spain.

To ensure that the maximum possible number of grants is awarded, Order TDF/39/2026 was published in early 2026, eliminating the application deadline for the Digital Kit program. As a result, the calls for applications will remain open until the €3.067 billion budget is exhausted. According to the latest government report, nearly 154,000 beneficiaries in Andalusia have received Digital Kit grants totaling €588 million.

NEOTEC

This is a program of the Center for Technological Development and Innovation (CDTI) that promotes the formation of companies whose business activities are based on new technologies. For example, you can benefit from these grants if you decide to open a business selling online services or digital products in Spain.

Since the program’s first call for applications in 2002, a portion of the budget has been directed toward supporting the Andalusian technology sector. As an example, under the NEOTEC grant program for women entrepreneurs, Andalusia secured approximately 5% of the funds awarded in one of the recent rounds.

Enisa equity loans

Enisa is a public company under the Ministry of Industry and Tourism that funds entrepreneurial projects through equity-participation loans, with no age requirements for applicants. The minimum loan amount is €25,000, although the entity requires the company’s equity to be at least equivalent to the amount requested.

In 2025, Enisa provided funding to 514 companies, for a total of €86.2 million. Andalusia was the autonomous community with the fourth highest number of grants received.

Women Entrepreneurs Program

Driven by the Ministry of Equality and cofinanced by the European Social Fund, this program grants unsecured microloans of up to €30,000 to women wishing to start a business in Andalusia. According to the Chamber of Commerce, the initiative contributed to the formation of 1,100 women-run businesses in 2025.

How Stripe drives the launch of your business venture

Grants for starting a business in Andalusia significantly lower the barriers to entry, whether you’re launching an online business or a brick-and-mortar store. Regardless of the format, having a reliable and flexible payment system in place from day one is a fundamental part of the sales process.

If you’re planning to launch an ecommerce business, grants can help cover a significant portion of the initial investment. Once everything is up and running, you’ll need a payment gateway that can scale alongside your business. Stripe Payments is an integrated solution that enables businesses of all sizes—from startups to large global enterprises—to accept payments from customers worldwide. In addition, you’ll be able to accept the most common payment methods—such as credit and debit cards, Google Pay, and Apple Pay—as well as local payment methods, such as Bizum, that are tailored to your target audience.

If you decide to open a brick-and-mortar business in Andalusia, grants can help you cover certain initial costs and basic utilities for your premises: water, electricity, security, internet, and the point-of-sale (POS) terminal. If you want to break free from standard bank card readers, Stripe Terminal offers state-of-the-art, bankless card terminals that connect to your online store, allowing you to centralize in-person and online payments on a single platform.

FAQs about grants for starting a business in Andalusia