Custom software and business applications
Back-office systems, customer portals, integrations and internal tools, e.g. CRM, production management or document management.
Intangible assets (e.g. CPA 62.01): up to 20% of the project
GINOP Plusz-1.4.3-24 · SME Technology Plus loan
Software development and AI with a 0% interest loan
An interest-free investment loan of HUF 5 to 250 million for SMEs from the Ganz Ábrahám loan programme, covering software, AI solutions and ICT equipment. We plan the project, our grant-writing partner handles the loan application, and we deliver the development.
- No handling fee or early repayment fee
- Budapest-based companies can apply for projects at a site outside Budapest
- Applications until 30 June 2027
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- interest for the full term
- 0%
- loan amount
- HUF 5–250 M
- minimum own contribution
- from 10%
- application deadline
- 30 Jun 2027
Trusted by over 150 businesses
What does it cover?
Custom software development with an interest-free loan: what is eligible?
The loan finances the technological and organisational renewal of the business. These are the items where we are the supplier:
AI solutions and automation
AI-based analytics applications, document and records management, workflow automation on your own data.
Software counts as intangible, its infrastructure as ICT
ICT equipment
Servers, AI servers, workstations, network and telecommunications equipment (at least HUF 200,000 net per item).
ICT equipment: up to 40% (if computers are the longest-depreciating assets in the project, the term is max. 24 months)
Rollout, integration, training
Specification, customisation, installation, integration, data migration and staff training.
Services and training together: up to 7% (implementation services capped at HUF 25,000 net per hour)
Cost limits at a glance
As a share of the project’s eligible costs
- New fixed assetsat least 10%
- ICT equipmentat most 40%
- Intangible assets (e.g. software)at most 20%
- Services and training combinedat most 7%
Example In a HUF 100 million project, at most HUF 20 million can be software, at most HUF 40 million ICT equipment and at most HUF 7 million services and training, while at least HUF 10 million must be new fixed assets.
A simple arithmetic example to illustrate the limits, not an offer.
Why does the project mix matter?
The call sets cost limits: at least 10% new fixed assets, at most 40% ICT equipment, at most 20% intangible assets and at most 7% services and training combined. The software must fall into one of the 14 functional areas of the call (e.g. CRM, production management, workflow management, document management), and consulting fees are only eligible from qualified consultants listed on vali.hu. The loan can also finance machinery, building upgrades or renewable energy for own use (e.g. solar panels). That is why we plan software and AI development as part of the overall investment, aligned with the professional annexes of the call.
How does it work?
One team from loan to launch
Free eligibility check
In a short call we check whether the business is eligible and what loan amount is realistic.
Project plan and budget
We design the development within the cost limits of the call: software, AI, ICT equipment, rollout, training.
Loan application
Our grant-writing partner prepares the loan application and submits it through an MFB Pont Plusz intermediary.
Implementation
After signing, we deliver and roll out the solution. The implementation period is 24 months, which can be extended by 6 months if justified.
Reporting and operations
We prepare the supplier documentation needed for reporting, provide the at least one-year product support required by the call, and operate the system in the long run.
Who is it for?
Your business may be eligible if it…
SME size and seatis a micro, small or medium-sized enterprise (SME) with a registered office in Hungary, or with a registered office in the EEA and a branch in Hungary,
Viabilityis economically viable and has a Hungarian tax number,
Legal formoperates as a Kft., Rt., Kkt., Bt., cooperative (including social and European cooperatives), European company (SE), sole company, sole trader, Hungarian branch of a foreign company, or non-profit Kft., Rt. or Bt. (consortia cannot apply),
Outside Budapestimplements the investment outside Budapest: Budapest-based companies can apply if the project runs at a site or branch outside the capital that is already listed in the company register when the application is submitted (for software and hardware, the place of accounting capitalisation counts),
Collateralcan provide collateral: the investment itself must be pledged, and the expected coverage is 50% (software does not count as collateral).
How much can you borrow?
All loans requested under the "A" objective together cannot exceed fifteen times the operating profit of the last closed financial year before the assessment. Start-ups without one closed, full (12-month) financial year can apply for up to HUF 50 million, with a personal guarantee from the individual owner(s) holding more than 50% (for sole traders, from another private individual).
Not available, among others, if
- the company is subject to bankruptcy, liquidation, voluntary winding-up or restructuring proceedings ordered by a final decision, or a linked enterprise (or a majority-owned company of an owner holding at least 25%) is under bankruptcy or liquidation proceedings or subject to enforcement (unless instalment payment has been granted),
- the investment is already completed on the day of the loan decision (a project started before the application can only be financed as de minimis aid),
- the main activity is food processing (NACE 10–11), or more than 50% of revenue comes from it, or at least 40% of revenue comes from agricultural activity,
- the final official licence required for operation is missing,
- the purchase would be made from an owner, executive, their relatives or a linked enterprise.
Why Composite?
We don’t just plan it, we build it
Technology supplier
We only put into the plan what we build ourselves. No gap between the application and the delivery.
An eligible project plan
We fit the development to the cost limits and professional annexes of the call, so the budget meets the eligibility conditions.
One point of contact
We work as one team with our grant-writing partner, and you have a single contact person.
What our clients say about working with us
„Composite built a fully custom AI-powered ERP system for us that revolutionized our internal processes. We gained decision-support capabilities we never thought possible.”
„We completed three different projects with Composite. Each time we received precise, on-time work. The AI assistant built into our CRM became our users' favorite feature.”
Loan conditions
The SME Technology Plus (Ganz Ábrahám) loan at a glance
- Loan type
- Long-term, interest-free investment loan
- Amount
- HUF 5 million – 250 million (start-ups: max. HUF 50 million)
- Interest and fees
- 0% interest; no handling fee, commitment fee, early repayment or contract amendment fee (except fees due to third parties, e.g. valuation or notary)
- Own contribution
- At least 10% of eligible costs; at least 25% for items under regional investment aid
- Collateral
- Expected coverage 50%; the investment itself must be pledged
- Advance
- Supplier advance up to 100% of the loan for fixed asset purchases (not for software or services)
- Term
- Set by the new fixed asset with the longest depreciation period: max. 24 months for computer equipment, max. 82 months at a 14.5% depreciation rate; max. 120 months with at least 10% real estate investment, or at least 10% renewable energy investment if the affected property is pledged as collateral. Includes the availability and grace periods.
- Availability period
- 6–24 months from contract signing (+6 months if justified for real estate or renewable projects)
- Grace period
- 1–6 months from the end of the availability period, then equal monthly principal repayments
- Implementation
- 24 months from contract signing (+6 months if justified)
- Application
- Until 30 June 2027, only through an MFB Pont Plusz intermediary
Last checked: · Call v12 (in force from 14 October 2026) · Official call (PDF, in Hungarian)
FAQ about the GINOP Plusz-1.4.3-24 loan
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