The Gilan Research and Technology Fund offers various low-interest facilities and loans to support the growth and development of innovative and knowledge-based companies. These financial services are designed to strengthen the country's technology and innovation ecosystem.
The facilities and loans provided by the Fund fall into four main categories:
Equipment Purchase
Financing for the purchase of machinery and technical infrastructure.
Commercialization
Assistance in bringing innovative products to market.
Working Capital
Coverage of current and operational expenses of the company.
Research and Development (R&D)
Financial support for innovative projects and product development.
Stages of Applying for and Receiving Facilities
The process from application submission to receiving facilities includes four stages:
Completing the online form and submitting initial documents through the system.
Specifying the loan amount, interest rate, and repayment period.
Technical and economic feasibility study of the project by expert specialists.
Finalizing the contract, providing guarantees, and receiving the loan.
Frequently Asked Questions
- What is the maximum amount of facilities that can be received from the Research and Technology Fund?
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The maximum amount of facilities offered by the Fund depends on the type of project, company size, and financial needs. Usually, this amount can vary from a few hundred million tomans to several billion tomans. The exact amount for each request is determined after a complete evaluation of the project and the company's repayment ability. It is recommended to consult with the Fund's experts to learn about the facility limit at the time of application
- What are the interest rate and repayment period for the Fund's facilities?
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The interest rate for the Fund's facilities is usually lower than conventional bank rates and is determined based on the type of project and its risk assessment. The repayment period also varies and can range from 6 months to 5 years. The exact terms of each loan are specified during project evaluation and contract conclusion.
- Is collateral required to receive facilities?
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Yes, collateral is usually required to receive facilities. The type and amount of collateral vary depending on the loan amount and project risk assessment. Collaterals can include bank guarantees, promissory notes, checks, property documents, or valid contracts. The Fund tries to adjust collateral conditions according to the capabilities of startups and knowledge-based companies.
