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Digital banking

Partnership Agreement 2021-2027

Invest in the digital transformation and energy upgrade of your business through the Partnership Agreement (PA) for the Development Framework 2021-2027 state aid schemes.
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Boost the competitive edge of your business

With 3 sets of actions
Choose the set of actions that meets the needs of your business and boost its competitive edge.
Banking advisory services
Tap into the experience and high level of expertise of our people.
Financing for your plans
Meet your business needs until you receive the aid or cover your own funds.

Discover the programmes

Find out the features of the 3 programmes of PA 2021-2027.

Aid for establishing and operating new SMEs

How it helps your business

The Aid for establishing and operating new SMEs (pdf only in Greek) involves a subsidy up to 60% to create or upgrade your own SME for selected business activity codes (KAD) in every sector of the economy, except food, retail and tourism.

Which businesses are eligible

This action is addressed to micro-, small- and medium-sized businesses that are:

  • In the process of formation, i.e. established from the date the action was announced (18.12.2023) to the date of the first disbursement of the subsidy.
  • Start-ups, i.e. operating for less than 12 consecutive months from the start date on the IAPR to the date the action was announced (18.12.2023).

Application deadline ended on 22.03.2024.

Aid for establishing and operating new tourism SMEs

How it helps your business

The Aid for establishing and operating new tourism SMEs (pdf only in Greek) involves a subsidy up to 60% to create or upgrade your own SME for selected business activity codes (KAD) in the tourism sector. 

Which businesses are eligible

This action is addressed to micro-, small- and medium-sized businesses operating in the tourism sector that are:

  • In the process of formation, i.e. established from the date the action was announced (18.12.2023) to the date of the first disbursement of the subsidy.
  • Start-ups, i.e. operating for less than 12 consecutive months from the start date on the IAPR to the date the action was announced (18.12.2023).

Application deadline ended on 22.03.2024.

Digital transformation of SMEs

How it helps your business

The Aid for the digital transformation of SMEs involves a subsidy to invest in the digital upgrade of your SME. 

It includes 3 individual actions:

Which businesses are eligible

This action is addressed to micro-, small- and medium-sized businesses that:

  • Have closed at least 1 full management year.
  • Are active in 1 of the eligible business activity codes (KAD) for at least 1 year.
  • Have at least 1 eligible business activity code (KAD) when they apply.
  • Have not started or completed the investment plan works before they apply.  

How to apply

Apply through the State Aid Information System from 23.02.2023 at 12:00.

How we support you

Find out how we can help you grow your business.

To accelerate your plan

We provide:

  • Letter of intent or loan approval, according to the specifications of each action
  • Short-term financing with loan (bridge financing)

To cover your own funds

We offer long-term financing through development financing tools for you to cover your own funds in the investment plan.

Every step of the way

To help you implement your business plan, we provide:

  • Banking advisory services by a qualified advisor.
  • Technical support through our partner ecosystem, offering services such as budget planning, investment plan preparation, technical studies, etc.

Explore other options

Find other products or services that may interest you.

With personal advisor

Banking advisory services

For green and digital upgrade

European Investment Fund

For liquidity or investments

Financing programmes through the EIB

Any questions?

Find the answers you need about the .

Which businesses are considered micro, small or medium-sized?

According to Commission Recommendation 280/1996 and the new Recommendation 361/2003:

Micro businesses are those that:

  1. Employ < 10 persons 
  2. Have an annual turnover or an annual balance sheet total ≤ €2 million

Small businesses are those that:

  1. Employ < 50 persons 
  2. Have an annual turnover or an annual balance sheet total ≤ €10 million

Medium-sized businesses are those that:

  1. Employ < 250 persons 
  2. Have an annual turnover ≤ €50 million or an annual balance sheet total ≤ €43 million

What supporting documents do I need to bring to the branch to verify the details of my business?

For your business financial details

For businesses with class B accounting books:

  1. Copy of E3 tax form for the last 3 closed financial years. If the most recent year isn’t closed, submit periodic VAT returns instead. 
  2. Periodic VAT returns for the current financial year and the corresponding ones for the previous year.
  3. Copy of the latest E1 tax form, only for sole proprietorships.
  4. ENFIA (unified property tax) certificate for legal entities.

For businesses with class C accounting books:

  1. Balance sheets for the last 3 closed financial years, including income statements, related annex, and company stamp and signatures of representatives.
  2. Subsidiary ledger trial balance for December of the previous financial year, if not closed, listing stocktaking information, activity for the period, monthly activity and balances. 
  3. Subsidiary ledger trial balance for the current period and the corresponding one for the previous year, listing stocktaking information, activity for the period, monthly activity and balances.
  4. ENFIA (unified property tax) certificate for legal entities.

For the investor or legal representative

  1. Copy of valid ID card or passport
  2. Tax return statement for the last 2 years or copy of the E1 tax form for each partner / main shareholder / guarantor
  3. ENFIA (unified property tax) certificate for each partner / main shareholder / guarantor

Additional supporting documents

Do I need to hold an account with Alpha Bank to get banking advisory services?

Yes. You must bank with Alpha Bank.
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Take the next step for your business

Book an appointment and let’s discuss in person, through video call or over the phone how you can benefit from the Partnership Agreement 2021-2027 and how we can support you.
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