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Programme purpose

The programme supports productivity and added value through technological and organisational renewal. It also helps businesses develop modern products and services and invest in renewable energy and energy efficiency.

Who is it for?

Economically viable micro, small and medium-sized businesses with a Hungarian tax number, investing at a registered location in Budapest. The project location is decisive; the company’s head office may be elsewhere.

• Both established businesses and start-ups may apply; a separate financing cap applies to start-ups.
• We review the business’s legal form, accounts and staffing against the call’s requirements during the initial assessment.

Financing and security

Loans range from HUF 5 million to HUF 150 million. Start-ups without a complete, closed 12-month financial year may request up to HUF 25 million. Required collateral coverage is 50%, and the financed assets must form part of the security.

• The financing amount is also subject to the limit linked to the preceding closed year’s operating profit.

Interest, own funds and budget

Interest is fixed at 0% throughout the loan term. There is no management fee, commitment fee or early-repayment fee. At least 10% of eligible project costs must be covered by own funds. The programme budget is HUF 73.19 billion.

Equipment, digital tools and vehicles

The investment can combine complementary development activities. Cost limits need to be checked against the complete project.

• New tangible assets: at least 10% of eligible costs.
• New ICT equipment supporting the technology investment: at least HUF 200,000 net per item and up to 40% in total.
• A fully electric vehicle: up to 50% of tangible-asset acquisition costs, with at most one vehicle per project.

Property, energy and related costs

The project may also include investments linked to the technology upgrade.

• Property conversion, extension, refurbishment and modernisation: up to 90%.
• Renewable-energy generation equipment: up to 30%.
• Inventory related to the investment: up to 30%.
• Intangible assets: up to 20%.

Loan term and implementation

The loan term depends on asset depreciation and the investment mix; qualifying property or renewable-energy projects may have a term of up to 120 months. The project must be completed within 24 months of signing, with a justified extension of up to 6 months.

Applying and getting started

Applications run from 28 October 2024 to 30 June 2027 through the MFB Pont Plusz network, subject to available funds. We help review your business, the proposed investment and the documents needed for preparation.

Programme purpose

The programme helps Hungarian SMEs increase productivity and added value through technological and organisational renewal. It supports modern product and service capabilities, renewable energy and energy-efficient investment.

Applicants and location

Micro, small and medium-sized businesses can finance investments outside Budapest. Eligibility follows the project location, so a company headquartered in Budapest may apply for an investment elsewhere in Hungary.

• Investment Component A is also available to start-ups, with a separate amount limit.
• The initial assessment covers the business structure, accounts, staffing and feasibility of the investment.

Budget, loan amount and collateral

Component A has a budget of HUF 53.79 billion. Loans range from HUF 5 million to HUF 250 million; start-ups may request up to HUF 50 million. A start-up is a business without a complete, closed 12-month financial year. Required collateral coverage is 50%.

Interest, charges and own funds

Interest is fixed at 0%. There is no management fee, commitment fee or early-repayment fee. Own funds must cover at least 10% of eligible costs, rising to at least 25% for costs supported under regional investment aid. The loan agreement sets out partial and full early-repayment conditions.

Loan term and implementation

The loan term follows the depreciation of the purchased assets and the investment type. Physical and financial completion is required within 24 months of signing, with a justified extension of a further 6 months.

Equipment and technology investment

The following costs may be included within the limits set by the call.

• New tangible assets: at least 10% of eligible costs.
• New ICT equipment: at least HUF 200,000 net per item and up to 40% in total.
• A fully electric vehicle: up to 50% of tangible-asset costs, with at most one vehicle per project.
• Intangible assets: up to 20%.

Property, energy and inventory

Related investments can be planned within the following limits.

• Property construction, conversion, extension and modernisation: up to 90%.
• Renewable-energy technology and related equipment: up to 30%.
• Inventory purchases related to the investment: up to 30%.

Preparation and professional services

Certain services needed to prepare and implement the investment may also be eligible.

• Site preparation, such as demolition or archaeological investigation: up to 2%.
• Construction supervision: up to 1%.
• Engineering, expert advice, consultancy, training and management-system costs combined: up to 7%.

Working-capital Component B

The former Component B offered HUF 1–50 million in interest-free working-capital finance for inventory and operating costs, from a HUF 101.75 billion budget. Applications were suspended at 16:00 on 15 January 2026 due to exhausted funds. The current opportunity is investment Component A.

Application and preparation

Component A applications may be submitted from 30 April 2024 until 30 June 2027. We help assess eligibility, plan the investment costs and prepare the application documents.

Programme purpose

The programme supports technological and organisational renewal and the green and digital transition. It aims to improve productivity and competitiveness through modern technology, product and brand development and expansion into international markets.

Applicant requirements

Micro, small and medium-sized businesses using double-entry bookkeeping may apply for investments outside Budapest.

• At least 3 complete, closed financial years and at least 5 employees.
• At least HUF 100 million net revenue in the preceding financial year.
• A supplier relationship with a medium-sized or large company, at least 5% export revenue, or growth potential demonstrated under the call’s criteria.

Financing and performance

Available financing ranges from HUF 150 million to HUF 1 billion, capped at fifteen times the preceding closed year’s operating profit. Up to 45% may be a non-repayable grant, with the remainder provided as an interest-free loan.

• The grant share depends on meeting performance conditions; the relevant portion may convert into a loan if these are not met.
• Required collateral coverage is 50%, and the financed assets must form part of the security.

Interest, own funds and budget

Interest is 0%. There are no management, commitment, early-repayment or contract-amendment fees. Own funds must cover at least 10% of eligible costs, and at least 25% of costs supported under regional investment aid. The programme budget is HUF 155.61 billion.

Required project elements

The investment must combine technology renewal with a digital or green transition.

• New equipment delivering modernisation, representing at least 10% of financing.
• At least a further 10% in business ICT development and/or renewable-energy investment.

Additional investment activities

Alongside the required elements, the project may include complementary investments within the limits of each cost category.

• A fully electric vehicle, subject to the call’s net HUF 25 million cap.
• Property construction, conversion, extension and modernisation, up to an 80% share.
• Inventory linked to the investment, up to HUF 50 million.

Skills, systems and development

In addition to equipment, the project may include the skills and business systems needed for modern operations.

• Training, engineering and expert services, and consultancy.
• Implementation of quality, environmental and other management systems.
• Experimental development and its eligible personnel costs.
• ICT services supporting the implementation of digital solutions.

Loan term and timetable

The term follows asset depreciation and the investment mix; qualifying property or renewable-energy projects may run for up to 120 months. The implementation period is 24 months from signing. The detailed timetable also needs to account for the performance assessment.

Application and preparation

The application period runs from 23 June 2025 to 31 December 2026. We help align your growth plans, cost allocation and achievable performance targets, then prepare the application.

Programme purpose

The programme improves competitiveness for businesses with low or very low digital intensity through available digital solutions. The investment must produce measurable progress in the company’s digital operations.

Applicant requirements

Small and medium-sized enterprises may apply, with microenterprises also eligible from 1 February 2025. The programme covers the whole country, including Budapest.

• At least one complete, closed financial year.
• The project location must be a head office, establishment or branch registered for at least one year.
• Low or very low initial digital intensity, established through the designated digital maturity assessment.

Amount, interest and own funds

Available financing is HUF 3–20 million. Up to 50% may be a non-repayable grant and the remainder a 0% loan. Own funds must cover at least 10% of eligible costs. The maximum loan term is 8 years, with no management, commitment or early-repayment fee.

Everyday digital operations

The investment can be tailored to your digital maturity and operational needs.

• Cloud email, office applications, accounting and storage.
• Websites, portals, e-commerce and electronic invoicing.
• Digital tools for remote and collaborative work.

Business systems and advanced technologies

Eligible areas range from business management systems to data-driven operations.

• ERP and CRM systems and the coordination of business processes.
• IT security solutions and intermediate or advanced cloud services.
• Artificial intelligence and solutions based on big-data analytics.

Implementation and related costs

Intangible assets and cloud services may be supported independently. Related IT, networking, sensor, automation and robotics equipment, implementation services and training may be eligible as part of the digital investment.

Commitments and timetable

Businesses starting with very low digital intensity must reach at least the low level. Those starting at the low level must improve by at least one point under the call’s measurement method. Implementation takes place within 18 months, with a justified extension of a further 6 months.

Application and preparation

The programme opened on 5 December 2024 and the application deadline is 30 June 2027. Preparation starts with a digital assessment, selection of suitable solutions and a cost plan.

The programme’s two objectives

Combined financing supports the economic transition of the three eligible counties. A business may apply under both objectives through separate applications.

• Energy efficiency and greenhouse-gas reduction: upgrading buildings and production processes and switching to lower-emission technology.
• Diversification: creating or expanding manufacturing, production and service capacity linked to clean technologies and the circular economy.

Applicants and project location

Micro, small and medium-sized enterprises with at least one complete, closed financial year may apply. Their head office may be elsewhere, including Budapest; the investment itself must be located in Baranya, Borsod-Abaúj-Zemplén or Heves.

• At application, the project location must be a registered head office, establishment or branch.
• This programme is not available to start-ups or consortia.

Budget and financing amount

The total budget is HUF 25.5 billion, with HUF 8.5 billion allocated to each county. Financing is HUF 5–500 million per objective, capped at fifteen times the preceding closed year’s operating profit. Up to 50% may be a grant, with the remainder provided as an interest-free loan.

Own funds, collateral and advances

At least 10% of eligible costs must come from own funds free of public support, evidenced no later than the first disbursement. Required collateral coverage is 50%; financed assets and property undergoing construction must form part of the security. Supplier advances of up to 50% may be available for tangible assets under the call’s conditions.

Interest and repayment

Interest is 0%, with no management, commitment, early-repayment or contract-amendment fee. Third-party costs, such as valuation or notarial fees, may apply. Full early repayment is possible before the performance assessment, and partial early repayment afterwards, subject to the contract.

Loan term and implementation

The term follows asset depreciation, generally 24–82 months; building energy-efficiency or property projects may run for up to 120 months. The availability period is 6–24 months, and implementation must finish within 24 months of signing.

• Energy-efficiency and emissions objective: a 3–6 month grace period after the availability period.
• Diversification objective: a 15–18 month grace period after the availability period.

Energy efficiency and technology transition

The first objective supports lower energy use in production and buildings and the introduction of lower-emission technologies.

• Energy-efficient machinery, waste-heat recovery and solar thermal process heat.
• Insulation, replacement windows, shading, heat pumps, ventilation, LED lighting and energy management, subject to building-element requirements.
• Emissions-reducing technology changes, such as electrification, green hydrogen or biogas.

Related costs for energy projects

Supporting elements can be included within the cost limits set by the call.

• Solar PV for own consumption, energy storage, production optimisation and IT solutions: up to 20%.
• Related infrastructure: up to 10%.
• Project preparation and design, energy certificates or audits: up to 5%; project management: 2.5%; technical supervision: 1%.

Diversification and circular economy

The second objective helps establish sustainable business and production activities while retaining existing jobs.

• Manufacturing, installation, maintenance and repair of clean technologies, including solar, wind, batteries, heat pumps, hydrogen and biogas.
• Circular product design and manufacturing, repair, refurbishment, remanufacturing, sharing and product-as-a-service models.
• Waste collection, recycling and technologies supporting circular solutions.

Related costs for diversification

Capacity development can be complemented by the following activities.

• Property construction, extension, conversion and modernisation: up to 40%.
• Production-optimisation systems: up to 20%.
• Market research, marketing and trade-fair participation: up to 10%.
• Preparation and design: up to 5%; engineering and expert fees: 5%; project management: 2.5%.

Project commitments

Energy-efficiency investments must demonstrate at least 30% primary-energy savings. Technology changes targeting greenhouse gases must demonstrate emissions reduction. The diversification objective is linked to retaining employment.

• Compliance is demonstrated through audits, certificates or employment records. Diversification requires employment retention for 12 months after completion.
• Failure to meet the energy conditions may trigger repayment; failure to meet the diversification commitment may convert the grant portion into a loan under the call’s rules.
• Equipment using fossil fuels, vehicle purchases and property acquisition are not eligible.

Application and preparation

Applications may be submitted through MFB Pont Plusz from 1 February to 31 October 2027, or until funds are exhausted. We review project-start timing before submission and help assess the location, energy documentation, costs and achievable commitments.

Which development route fits your project?

DIMOP Plusz 5.1.2 and 5.1.3 comprise several separate calls. We identify a suitable route based on the project’s purpose, technology maturity and delivery structure.

• 5.1.2/B-26: digital business research and development.
• 5.1.2/C-26: complex digital research and development.
• 5.1.3/A-26 and 5.1.3/B-26: critical digital technologies for defence and healthcare respectively.

STEP objectives and technology areas

Under the selected call, development must relate to innovative, emerging or cutting-edge technology, or help reduce the European Union’s strategic dependencies.

• Semiconductors and microelectronics.
• Artificial intelligence and data technologies.
• Quantum technologies and advanced digital infrastructure.

Grant amount and aid rate

The available amount and aid rate depend on the specific call, business size, research or development activity, and whether the project is delivered independently or by a consortium. During the initial assessment, we identify the appropriate call and calculate the relevant financing.

Applicant readiness

Operating history, staffing, revenue and registration of the project location form part of the eligibility assessment. We check the exact requirements against the selected sub-call.

• Individual calls may require at least one complete, closed 365-day financial year and at least 5 employees.
• The project’s head office, establishment or branch may need to have been registered for at least one year.
• Revenue thresholds may range from HUF 50–75 million for an individual applicant and HUF 100–150 million combined for a consortium, depending on the area; they are not uniform across calls.

Relevant business activities

Alongside software and digital development, a defence or healthcare application may determine the suitable call. We check activity classifications against the TEÁOR system referenced by that call.

• Software publishing: TEÁOR 58.2; information technology services: 62.
• Data processing and hosting: 63.1; telecommunications: 61.

Potential project costs

Cost eligibility depends on the R&D activity and the rules of the selected call.

• Equipment, intangible assets and research, development and innovation services.
• Professional rental and service costs, personnel, travel and materials.
• Flat-rate costs permitted by the call.

Technology and business commitments

Commitments depend on the sub-call. During planning, we assess which technology-readiness, commercialisation and intellectual-property targets can be achieved.

• Certain criteria require TRL 7 by project completion, followed by TRL 9 within the next 24 months.
• A call may require revenue results of at least 20% of the grant during the first two maintenance years, with repayment of 20% of the grant linked to non-compliance.
• An EU trademark or registered design application to EUIPO may also be required by project completion.

How do we get started?

We review the development idea, business objective, technology maturity and potential partners. We then check the selected sub-call’s current application window and detailed conditions and prepare the next step on that basis.

Programme purpose

The programme supports a reduction of at least 30% in primary-energy use, helping businesses operate more efficiently and competitively. Investments may cover buildings, production processes or a coordinated combination of both.

Loan, own funds and budget

Investment loans range from HUF 10 million to HUF 500 million, capped at fifteen times the preceding closed year’s operating profit. Interest is fixed at 0% throughout the term. At least 10% of eligible costs must come from own funds, so the loan may cover up to 90%.

• The budget is HUF 38.7 billion; water-utility companies may receive up to HUF 3 billion in total.
• There are no management, commitment, early-repayment or contract-amendment fees.
• Required collateral coverage is 50%; financed assets and relevant property must form part of the security.

Applicants and location

Micro, small and medium-sized enterprises, together with water-utility companies, may apply if they have at least one complete, closed financial year. The investment must be outside Budapest, although the business may be headquartered in the capital.

• A Hungarian tax number and either a Hungarian head office or a Hungarian branch of an EEA-based company are required.
• The programme is intended for established, economically viable businesses; start-ups and consortia are not eligible.

Which investments can be included?

Building and process upgrades can be planned separately or as a combined project. Certain preparation costs, including energy certificates and audits, may also be eligible.

• Insulation, replacement windows, lighting, ventilation, heating and cooling upgrades, shading, hot-water systems and smart metering.
• More efficient machinery and equipment, residual- and waste-heat recovery, and industrial process upgrades.
• For water utilities, upgrades to equipment acquired into their ownership, such as pumps, control systems and meters.

How are the 30% savings demonstrated?

Primary-energy savings must be demonstrated according to the investment type. The 30% savings target is an eligibility condition; failure to achieve it may result in the loan being reclaimed. A combined project must achieve 30% overall savings, with its building-efficiency component also delivering at least a 20% reduction.

• Building-only investment: an energy certificate for each building.
• Technology or process investment: an energy audit of the relevant production process or logistics unit.
• Combined investment: an energy audit for each site.
• Building upgrades must replace at least two types of building element. Savings from renewable electricity generation do not count towards the required 30%.

Timetable and application

Applications may be submitted through the corporate MFB Pont Plusz network from 2 February 2026 to 31 May 2027. Implementation takes place within 24 months of signing, with one justified extension of up to 6 months. The term depends on the assets and investment type, reaching up to 120 months for building-efficiency projects.

How can we help?

We review the investment objective, location and financial position, then coordinate the energy assessment, cost plan and required documents to prepare the application.

Programme purpose

The programme supports the use of locally available geothermal energy to reduce natural-gas consumption and greenhouse-gas emissions. It aims to increase energy independence and make better use of Hungary’s geothermal potential.

Deep and shallow geothermal financing

The total budget is HUF 20.32 billion. Interest is 0% throughout the term. The own-funds requirement is assessed for each project but must cover at least 10% of eligible costs, allowing loan coverage of up to 90%.

• Deep geothermal projects: HUF 1–6 billion per loan.
• Shallow geothermal projects: HUF 100 million–1 billion per loan; this purpose may use up to 10% of the total programme budget.
• There are no management, commitment, early-repayment or contract-amendment fees.

Applicant requirements

Economically viable businesses with a Hungarian tax number may apply, including state- and municipality-owned companies. A Hungarian head office or a Hungarian branch of an EEA-based company is required.

• At least three complete, closed financial years are required for the applicant or its parent company holding at least 51%.
• Double-entry bookkeeping and the permits and expert opinions specified in the call are required.
• Use of the generated energy must be supported by a contract, draft contract or detailed business plan with related declarations of intent.
• Applications are made by individual businesses; consortia are not eligible.

Eligible investments

The loan can finance both underground and surface infrastructure needed to utilise geothermal energy.

• Shallow geothermal ground-source heat-pump systems and deep geothermal utilisation.
• Geothermal power-plant equipment, heat exchangers and investments needed to connect to electricity or heat networks.
• Preparation, design, exploration, energy-well drilling, transmission, distribution and heat storage may be included when linked to the utilisation investment, rather than as standalone projects.

Location and security

The investment must take place in Hungary outside Budapest. Preparation includes checking the site’s suitability, registration and consistency with the permits. The call sets specific rules for certain state- or municipality-owned locations.

• Investment assets, property and rights and receivables relating to utilisation must form part of the security.
• Final security requirements are determined through financial, project-return and collateral assessments.

Loan term and implementation

The term is up to 20 years, including the availability and grace periods. Availability is 6–24 months, with one justified extension of up to 12 months, followed by a grace period of 3–12 months. The implementation deadline is 24 months, with one justified extension of up to 12 months.

Application and next steps

Applications may be submitted directly to MFB’s customer service from 2 March 2026 to 15 November 2026. We help bring together the technical concept, permits, energy-utilisation plan and financial documentation for the financing application.