Medium- and long-term financing line, delivered by Turismo de Portugal in partnership with the banking system, to support tourism investment projects that upgrade and reposition the national tourism offer while meeting defined environmental and social sustainability requirements.
Programme details
- Instrument: Credit line
- Total allocation: 300M€
- Beneficiary entities: Tourism enterprises of any size, nature and legal form (SMEs and large enterprises) that meet the framework conditions
- Type of support: Medium- and long-term financing. The Turismo de Portugal share is reimbursable with no interest; the bank share carries a market interest rate
- Financing limit: Up to 80% of eligible investment, with the Turismo de Portugal contribution capped at 3.000.000€ per project
- Funding split (Turismo de Portugal / bank):
- SMEs: 40% / 60%
- Large enterprises: 30% / 70%
- Low-density territories, entrepreneurship and REVIVE projects: 75% / 25%
- Performance premium: Part of the Turismo de Portugal component may convert into non-refundable support if targets are met — up to 25% (SMEs) / 5% (large enterprises), plus 10p.p. for Sustainability Leader-certified companies
- Geographic scope: Mainland and islands (national territory)
- Application period: Open on a continuous basis, until the allocation is exhausted
- Managing entity: Turismo de Portugal, with applications formalised at the adhering credit institutions
About the funding of the Tourism Offer Qualification Support Line
The Tourism Offer Qualification Support Line ( Linha de Apoio à Qualificação da Oferta) is a financing line that combines Turismo de Portugal funds with bank credit to finance tourism projects over the medium and long term. Rather than a one-off grant, it provides structured financing in which the public component is interest-free and may be partly converted into a non-refundable incentive based on results.
The line is designed to qualify and reposition the Portuguese tourism offer — supporting the requalification of existing developments and activities, the creation of new offer in low-density territories, projects under the REVIVE programme, and tourism entrepreneurship — with sustainability built in as a condition of access rather than an optional add-on.
Every project must demonstrate measurable environmental and social responsibility, and the most committed operators — those certified as Sustainability Leaders — benefit from an enhanced conversion of the financing into non-refundable support.
How it works
The instrument combines public and private financing within a single funding operation. Total financing may cover up to 80% of eligible investment expenditure, with the Turismo de Portugal contribution limited to a maximum of 3.000.000€ per project. 3.000.000€ per project.
SMEs
- 40% Turismo de Portugal
- 60% bank financing
Large enterprises
- 30% Turismo de Portugal
- 70% bank financing
Low-density territories, entrepreneurship and REVIVE projects
- 75% Turismo de Portugal
- 25% bank financing
The Turismo de Portugal component is repayable without interest, while the bank component carries an interest rate set by the credit institution following its own risk analysis. On the public component, a performance premium may be granted: if the project meets the agreed targets, part of the financing is converted into non-refundable support — 25% for SMEs and 5% for large enterprises. An additional 10 percentage points apply, at cruising year, to companies recognised with the Sustainability Leader seal under the Empresas Turismo 360º programme.
Eligible projects
The Tourism Offer Qualification Support Line finances tourism investment under four project typologies:
- Requalification and repositioning of tourism developments, establishments and activities, including capacity expansion
- Creation of new tourism developments, establishments and activities, provided cumulatively that they:
- are located in low-density territories (as delimited by Resolution of the Council of Ministers no. 72/2016);
- are suited to current or potential tourism demand; and
- add value to the region
- Projects of any nature integrated in the REVIVE programme (recovery and tourism use of public heritage)
- Entrepreneurship — creation and development of innovative, notably technology-based solutions, up to 500.000€ of eligible investment, promoted by SMEs to be created or created less than five years ago
Environmental and social responsibility requirements
Sustainability is a condition of access, not an optional criterion. Every project must include the implementation of:
- Environmental responsibility measures — energy, water and waste
- Social responsibility measures — valuing people and communities, and accessibility
Projects must reach a minimum overall score of 45 points across the two categories of measures, and no individual category may score below 15 points. This eligibility condition must be assessed in advance, by completing the dedicated form available on the Turismo de Portugal applications portal (SGPI), before the financing request is submitted to the credit institution.
Who can benefit from this support?
The line is aimed at tourism enterprises of any size investing in the qualification of the national offer. To access the financing, companies must:
- Be members of the Empresas Turismo 360º programme, subscribing to the respective commitment letter
- Comply with the legal conditions to carry out the activity, including being duly licensed and registered in the National Tourism Register (RNT) where legally required
- Hold a balanced economic and financial position
- Have a regularised situation with the Tax Authority, Social Security and Turismo de Portugal
- Have no overdue salaries, save for situations under judicial dispute
- Maintain a workforce adequate to the activity carried out
Applications run continuously until the allocation is exhausted. The financing request is made by the company at one of the adhering credit institutions — including Abanca, Bankinter, BPI, Caixa Geral de Depósitos, Crédito Agrícola, EuroBic, Millennium bcp, Montepio, Novo Banco and Santander — after a favourable assessment of the project’s environmental and social responsibility measures. For investments in the Algarve, the conditions defined for low-density territories apply under the +Algarve protocol, whose application deadline runs until 31 December 2026.
Need More Information?
Understanding the rules and access conditions of each instrument is essential to assess its relevance and potential impact within a company’s broader investment and financing strategy. For clarification or further information, reach out through our contact form.
