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4 Types of Government Support (Up to $135K!)
1. Grant (Free Money!)
What it is: Money you don't have to repay. Given to new businesses, peripheral area businesses, or businesses in preferred sectors (technology, manufacturing, agriculture).
Amount: Up to $55K (depending on program). Conditions: Job creation, self-investment required.
2. State Guarantee (Loan Funds)
What it is: The state commits to the bank that if you don't repay, they will. This allows you to get a loan even without collateral.
Amount: Up to $135K. Advantage: Even new businesses qualify!
3. Subsidized Loan
What it is: A loan at below-market interest (4-5% instead of 8-9%). The state pays the difference.
Amount: Up to $80K. Example: Ministry of Economy's Small Business Loan Fund.
4. Government Crowdfunding
What it is: The state invests alongside private investors. Platforms like "Shem Tov Fund."
Amount: Up to $40K. Condition: Private investors must also invest.
Want to understand all credit options?
Grants are only part of the picture. Read our Comprehensive Business Credit Guide 2025 - including bank loans, factoring, and non-bank providers.
Reality Check: Eligibility Requirements
Note: Raising credit for a new business requires clean banking history. Bounced checks, active enforcement files, or negative BDI scores will make it very difficult to obtain bank credit and will require more expensive alternative solutions.
RealFix Recommendation: Even if you qualify for a grant, it's wise to explore parallel paths (business mortgage) to avoid dependency.
How to Apply (4 Steps)
Identify the Right Fund
There are dozens of funds - each with different conditions. You need to find the one that fits your business (sector, size, location).
Prepare a Business Plan
Funds require a detailed business plan: what the business does, target market, revenue projections, how you'll use the funds.
Submit the Application
Fill out forms, attach documents (company registration, reports, plan). This is a lengthy process - 3-6 months!
Approval & Funding
If approved - you'll receive funds in stages (not all at once). You must prove you used the money according to plan.
The Problem with Grants: Time
The Harsh Reality
- • Slow: 3-6 month process (sometimes a year!)
- • Complex: Requires detailed business plan + many documents
- • Uncertain: Low approval rate (20-30%)
- • Not always enough: Grants are limited to relatively small amounts
The RealFix Solution: Fast Financing
Instead of waiting six months for a grant (and risking rejection), extract capital from your private property within 2-3 weeks. Read about Financial Engineering for Business - low monthly payments, no bureaucracy dependency.
Makes sense: You can apply for grants simultaneously, but don't depend on them.
Bank Refused Your Credit Application?
Even if the bank said no, solutions exist. Read about 4 Solutions for Bank-Refused Cases - we specialize in complex files.
Want to Calculate Fast Financing Costs?
Our calculator compares business loans vs. business mortgages. See the difference in dollars.
Go to Cost CalculatorWhy RealFix?
17 years of experience raising credit for businesses. We know all the paths - both government and private. We'll choose the best solution for you.
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Legal Disclaimer
The information and simulations presented on this website are for illustrative purposes only and do not constitute a binding offer for credit or financial advice. Credit Approval: Subject to final underwriting, clean credit data (positive credit score), clean banking history, and meeting the threshold requirements of the financing institutions. Interest Rates: The interest rates displayed are estimates only, based on average market data, and may change at any time according to the client's individual risk profile and economic conditions (Bank of Israel interest rate changes / CPI). No Commitment: RealFix does not guarantee loan approval or the terms displayed in the calculator. E&OE.
