Avalmadrid and Bankinter have strengthened their strategic alliance with the addition of a new product, the "CAE Advance Loan," a financial solution that will allow small and medium-sized businesses in Madrid to access immediate liquidity to implement sustainability projects.
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Collaboration between avalmadrid y Bankinter has been strengthened with a new addendum to its agreement, focused on promoting business sustainability in the Region of MadridThe main objective of this initiative is eliminate financial barriers for SMEs seeking to invest in areas such as energy efficiency, sustainable mobility, the circular economy, and the reduction of polluting gas emissions.
The key tool of this renewed alliance is the “CAE Advance Loan”, a product designed to provide immediate liquidity. Through this loan, companies can monetize the economic value of their Energy Saving Certificates (CAE) that they obtain for their projects, even before they are officially validated by the Ministry for Ecological Transition.
The financing line has a guaranteed coverage of up to 1,75 millones de euros, with Avalmadrid assuming up to 100% of the risk. The loan terms are flexible, with fixed or variable interest rates, a term of up to 12 months, and the option to request grace periods to facilitate investment.
The agreement includes the possibility of advancing the value of the Energy Saving Certificates (CAE) with risk coverage of up to 100% by Avalmadrid.
According to Lorenzo Alonso, general manager of AvalmadridThe initiative responds to a dual need: "to financially support those committed to sustainability and to accelerate the transition to a low-carbon economy in the Community of Madrid." In his opinion, this new instrument "prevents a lack of liquidity from hindering their commitment to energy efficiency."
For its part, Víctor García López, Director of Sustainable Business Development at Bankinter, highlighted his bank's pioneering role: "We are proud to have been the first bank to launch the CAE Advance Loan so that businesses can monetize their energy efficiency, and we will continue to invest in expanding this financing."
With this measure, both entities position themselves as leaders in financing the energy transition, offering a practical solution that eliminates one of the main obstacles SMEs face when investing in energy-saving projects: the lack of immediate liquidity.
