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The business sector is wanting to break the barriers of the crisis in Portugal and to want to re-emerge stronger, young and innovative.

There are more and more alternatives for the financing of companies and these are not exhausted in the banking sector, however each project has its specificity in terms of the amount of investment and the financing needs, therefore it is necessary to research within all the hypotheses that Is better adapted, and this also depends on the entrepreneur's own financial capacity.

What types of external funding are there?

There are several ways to finance a business, namely:

Venture capital companies


Venture capital is a form of business investment, with the objective of financing companies, supporting their development and growth, with strong management reflexes. It is one of the main sources of financing for start-up companies and risky investments with high potential for profitability. A venture capital operation consists of taking a minority stake in a company's capital stock, ensuring financial support to the company development.

The objective of the Venture Capital Company is to increase the value of the company so that its participation can be sold in the medium / long term at a compensating price.

Individual financiers

Business AngelsFNABA

The business angel is a private investor who invests directly (or through their companies) their own money predominantly in nascent or seed-capital companies, without a family relationship involved. Business angels make their own investment decisions, are financially independent and invest in a long-term logic.

The objective of the business angel is the valuation of startups, acquiring a stake in the capital stock, during a certain period, ensuring financial support for the implementation and growth of the project, assuming the risk on the same terms as the promoters themselves.

Public and Community Support and Incentives


Support resulting from partnerships between Portugal and the European Commission and measures to encourage business creation and employment.

Bank loan

BPI - Santander Totta

The bank loan consists of making available money from the bank (banking institution) to a customer (recipient of the loan). The customer is committed to fully refund the amount, plus pre-fixed interest, within the agreed term.


It is a contract between the lessor (leasing company) and the lessee (customer), in which the second pays an income to the first, for the temporary use of a movable or immovable property, which can be purchased by the client at the end of the time Stipulated in a contract, for a residual and predetermined value.



Microcredit aims to support entrepreneurship and job creation by lending to people who can not get other credit from institutions because of their low indebtedness.

Mutual Guarantee

Garantia Mútua

Mutual Guarantee is a private mutualistic system of support to Micro, Small and Medium Enterprises, which essentially translates into the provision of financial guarantees to facilitate the obtaining of credit under conditions appropriate to the investments and business cycles of companies.



Crowdfunding is a way to raise capital, through the collaboration of an anonymous community, in the form of donations.



COOPJOVEM is a program to support cooperative entrepreneurship, aimed at supporting young people in the creation of cooperatives, as a way of developing a culture of solidarity and cooperation, facilitating the creation of their own employment and the definition of their life path. It is intended for Youths from 18 to 29 years old who wish to form a new cooperative that integrates from 3 to 9 cooperators; Young people aged 18 to 29 who want to create a new section in existing agricultural cooperatives with up to 10 workers. Young people should be holders of a business idea, with growth potential, and respond to a need of their members.