The Institut Valencià de Finances (IVF) mobilised a total of €138.8 million through 1,535 financing transactions during the first half of 2026, reinforcing its role as the financial institution of the Generalitat Valenciana in supporting business projects, social impact initiatives and access to housing across the Valencian Community.
The activity carried out during the first six months of the year highlights the public bank's ability to address a wide range of financing needs in the business, social and residential sectors. During the period, the number of financing transactions approved by IVF increased by 89.7%, rising from 809 operations in the first half of 2025 to 1,535 operations in the same period of 2026.
Enrique Montes, Managing Director of IVF, said that these results "demonstrate the value of the Institut Valencià de Finances as a public financial institution serving individuals, businesses and social organisations operating in the Valencian Community."
He added: "The broad range of financial instruments managed by IVF enables us to tailor financing solutions to the needs of each project while extending our reach to benefit a greater number of organisations and individuals."
Business financing
In the corporate segment, IVF continued to support investment, business growth and expansion through a range of financing instruments.
During the first half of 2026, the institution approved 34 financing transactions worth €14.3 million under its business financing programmes, including both subsidised facilities and its general financing line.
FEDER co-financed instruments
IVF also manages two financing facilities co-financed by the European Regional Development Fund (ERDF) under the Valencian Community ERDF Programme 2021–2027: a participating loan facility and a subordinated loan facility.
The participating loan programme, designed for recently established companies with a strong innovation profile and high growth potential, financed 10 transactions amounting to €1.4 million during the first half of the year.
Meanwhile, the subordinated loan programme, aimed at supporting innovative businesses in more advanced stages of development, approved four transactions totalling €3 million.
Continued growth of social financing
IVF also operates a range of social financing facilities that provide advance funding against receivables arising from agreements and grants awarded by the Generalitat Valenciana. These facilities are available to organisations delivering social services as well as training providers working with Labora, the Valencian Employment and Training Service.
Overall, these programmes approved 116 transactions worth €90.9 million during the first half of 2026.
According to Enrique Montes, "our social financing lines are an essential tool for ensuring the liquidity needed to maintain the continuity of vital social services for citizens."
Supporting access to home ownership
One of IVF's main areas of activity during the first half of the year was its Mortgage Guarantee Programme, designed to improve access to home financing in the Valencian Community.
The programme targets young people who have the financial capacity to repay a mortgage but lack the savings required for the initial down payment.
Between January and June 2026, IVF approved 1,371 mortgage guarantees worth €29.2 million, compared with 590 guarantees totalling €7.7 million during the same period of 2025.
Overall, the Valencian public financial institution managed 1,535 financing transactions worth €138.8 million during the first half of 2026, further consolidating its role as a strategic financing instrument of the Generalitat Valenciana to promote the economic and social development of the Valencian Community.
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