Installing a bioclimatic pergola or an enclosure system is an investment that can exceed €10,000. But you don’t need to pay it all at once: there are financing options that let you start using it while paying comfortably.

Financing options

1. ICO credit lines for hospitality

The Official Credit Institute offers financing lines for SMEs and self-employed workers with advantageous conditions: terms of up to 7 years and reduced interest rates. Improving business facilities is considered an eligible productive investment.

2. Bank loans for business renovation

Most banks offer specific loans for renovation and modernization of hospitality businesses. With a good business plan, you can get very competitive terms.

3. Equipment leasing

Some financial institutions offer leasing for hospitality equipment. You pay a fixed monthly fee and at the end of the period you can renew the equipment or keep it for a residual value. Advantage: the fee is tax-deductible.

4. Direct financing from the installer

At Pergolas Canarias we offer flexible payment plans: you pay part upfront and the rest in installments during or after installation. Ask us about our terms.

ROI calculation

Concept	Without pergola	With pergola
Tables served per year	3,000	4,500 (+50%)
Average terrace ticket	€25	€28 (+12%)
Terrace revenue/year	€75,000	€126,000
Pergola cost	—	€18,000

Estimated ROI: recouped in 4-5 months of actual use.

Keys to getting bank approval

Present a detailed installation quote
Provide a business plan with revenue projections
Show before-and-after photos of the projected change
If you have reservations or scheduled events, attach them as proof of demand

At Pergolas Canarias we advise you on the best financing options for your project.