2026 Small and Micro Private Enterprise Fixed-Asset Loan Interest Subsidy Policy

About This Opportunity

Fixed-asset investment and capacity expansion in key industrial chains and productive services, including NEVs, industrial machine tools, medical/pharma, industrial software, industrial robots, AI and other emerging fields.

Eligibility Criteria

Small and micro private enterprises investing in eligible key industrial-chain/productive-service areas; eligible loans must be fixed-asset loans issued from 2026-01-01. Central subsidy is 1.5 percentage points annually for up to 2 years; eligible loan principal capped at RMB 50 million per enterprise.

Prepare to apply

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1. Step 1

   Funding requirements

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2. Step 2

   Cash-flow forecast

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3. Step 3

   Market size

   Estimate TAM, SAM, and SOM if the call asks for market evidence.

4. Step 4

   Business readiness

   Check gaps before you spend time on a full application.

5. Step 5

   Carbon and impact

   Capture environmental figures where the programme requires them.

6. Step 6

   Find partners

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7. Step 7

   AI grant writer

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