In short
- The training credit is calculated on the vocational training contributions paid the previous year; companies with 1 to 5 employees have a guaranteed minimum of 420 euros (as of October 2026).
- Companies with more than 5 employees must co-finance part of the cost: from 5% to 40% depending on headcount.
- The start of each group must be notified no later than two days before it begins, and the rebate is applied before the December contribution return.
- Most rebates are lost through missed deadlines, attendance below 75% or incomplete paperwork, not because of the course content.
- All of Vycte's courses (export, B2B prospecting, AI, Holded, Clientify and Make) can be subsidised depending on each company's credit.
What FUNDAE-subsidised training is and who can use it
FUNDAE-subsidised training is, formally, company-scheduled training: courses a company organises for its staff, whose cost it later recovers as a rebate on its Social Security contributions. It is not a grant you apply for and wait to be awarded, but a credit you already have and lose if you do not use it within the financial year.
According to FUNDAE, it is available to companies that pay vocational training contributions under the General Social Security Scheme, including self-employed people with employees (to train those employees). The beneficiaries are salaried workers; self-employed people without employees cannot claim a rebate for their own training, which is still pending regulation.
For an SME that wants to export, win B2B clients or go digital, the credit is a way to fund the part that usually gets postponed: preparing the team. A sales team that masters Incoterms, prospecting and CRM gets far more from any investment in export or client acquisition.
How the FUNDAE training credit is calculated
The annual credit is a percentage, set by Spain's General State Budget Act according to headcount, of the vocational training contributions paid the previous year. The smaller the company, the higher the percentage. At the same time, companies with more than five employees must contribute a minimum share of private co-financing.
| Headcount | Training credit | Minimum private co-financing |
|---|---|---|
| 1 to 5 employees | Guaranteed minimum of 420 euros | Not required |
| 6 to 9 employees | 100% of vocational training contributions paid the previous year | 5% |
| 10 to 49 employees | 75% | 10% |
| 50 to 249 employees | 60% | 20% |
| 250 or more employees | 50% | 40% |
Some details worth knowing, all according to FUNDAE as of October 2026:
- Newly created companies: their credit is 65 euros per newly hired employee according to the first contribution settlement, with the 420-euro minimum. If you open a new workplace, the credit increases by the same rule.
- Co-financing: calculated as the difference between the total accepted cost of the training and the rebate applied, plus the salary cost of employees trained during working hours. That salary cost is not rebated, but it does count towards the co-financing requirement.
- Credit reserve: companies with fewer than 50 employees can reserve unused credit and carry it over for up to the next two financial years, by requesting it in the application before 30 June of the current year.
- Limit per group: the rebate for each group cannot exceed the lowest of three amounts: available credit, the actual cost of the training and the maximum resulting from the cost modules per hour and participant.
To find your exact figure, FUNDAE offers a credit simulator on its website, and the assigned amount appears in the rebate application. Always check FUNDAE's FAQ before planning, because the percentages are set each year by the budget act.
How to subsidise a course step by step
A company can manage the rebate itself, as a beneficiary company, or delegate it to an organising entity through a management agreement. If it manages it directly, FUNDAE states that the training provider does not need to be accredited or registered in the State Register of Training Entities; if an organising entity is used, the provider must be.
| Step | What to do | Deadline or requirement |
|---|---|---|
| 1. Check the credit | Look up the available credit in the application or with FUNDAE's simulator | At the start of the year |
| 2. Design the training action | Define content, format (in person, virtual classroom, e-learning or blended), hours and participants | At least 2 teaching hours and at most 8 hours a day, unless the training is concentrated in a single day |
| 3. Choose how to manage it | Manage it as a beneficiary company or sign a management agreement with an organising entity | Before notifying the training |
| 4. Inform workers' legal representatives | Provide information on the planned training actions, if the company has legal representatives | Before the start; they have 15 days to report and, if they do not, the step is deemed complete |
| 5. Notify the start | Register the action and group in the application: participants, dates, times, venue or virtual classroom and trainers | No later than two days before each group starts |
| 6. Deliver and document | Attendance sheets or virtual classroom connection logs, assessment, quality questionnaires and diplomas or certificates | Training must be free for participants |
| 7. Notify completion | Participants who completed (at least 75% of the hours, or of the assessments in e-learning) and costs | Before the deadline for the contribution return in which the rebate is applied, and in any case the December one |
| 8. Apply the rebate | Deduct the amount from Social Security contributions through the Direct Settlement system | After notifying completion and before the December contribution return deadline of the year |
| 9. Keep the records | Keep invoices, attendance records, questionnaires, the legal representatives' report and the management agreement | 4 years from the December contribution return deadline of the year |
Two details that are often overlooked: training invoices must be paid before the last working day for filing the December contribution return, and expenses and rebates must be recorded in a specific account or heading in the books.
Mistakes that cost you the rebate
In our experience, almost no rebate is lost because of the course content. It is lost through deadlines, attendance or paperwork. These are the most common mistakes, based on FUNDAE's rules:
- Notifying the start late: if it is not notified on time, the group is considered «not delivered» for rebate purposes, except for justified unforeseen circumstances.
- Changing the date without notice: a cancellation or a change of time, date or location must be notified at least one day in advance; if the start date changes, at least two calendar days must pass between the notification and the new start.
- Insufficient attendance: only participants who complete at least 75% of the hours count. Watching the recording afterwards does not replace live, recorded attendance.
- Ineligible participants: people who were not registered as employees on the start date, or self-employed people, cannot be included.
- Skipping the legal representatives: if the company has them, they must be informed before the training begins.
- Missing the co-financing: if the company does not reach its percentage, the rebate is reduced at the review stage.
- Leaving it until December: credit not applied within the year cannot be recovered later, and December concentrates completion deadlines, invoice payments and contribution returns.
- Charging the employee: subsidised training must be free for participants.
Subsidised courses for companies: Vycte's catalogue
All of Vycte's courses can be subsidised through FUNDAE, depending on each company's available credit and provided the requirements above are met. They are delivered live online, in person or in-company, with materials and recordings included.
| Course | Main content | Who it is for |
|---|---|---|
| International trade and export | Incoterms, customs and documentation, international payment methods, market selection and trade fair preparation | Export teams, international sales reps, administration and logistics |
| B2B client acquisition and prospecting | Ideal customer profile, account and contact search, email verification, email and LinkedIn sequences and CRM follow-up | Sales teams, sales management and B2B marketing |
| Artificial intelligence with Claude and ChatGPT | Practical, safe use of AI in sales, export, customer service and operations | All staff, by department, and management |
| Holded | Invoicing and VeriFactu, accounting, inventory, CRM and projects adapted to the company's real workflow | Administration, finance, operations and sales |
| Clientify | Sales pipeline, official WhatsApp Business, forms, automations and campaigns | Sales, marketing and customer service teams |
| Automations with Make | Scenarios to connect Holded, Clientify, forms, email and AI without manual work | Operations and administration staff and digitalisation leads |
If you are looking for a subsidised international trade course, the export module can focus on a specific market or a trade fair in your calendar. If you need a subsidised client acquisition course, we link it to our B2B prospecting with AI service. AI training is covered in detail in the guide to artificial intelligence training for companies. Holded courses are delivered by the team of a Holded Gold Solution Partner, one of the few partners at that level.
FUNDAE rebates and grants: how they differ
They are often confused, but they work very differently and can be combined in the same plan: the FUNDAE credit funds team training, while grants fund export or digitalisation projects.
| Aspect | FUNDAE rebate | Grants (ICEX, ACCIÓ, Chambers of Commerce, digitalisation) |
|---|---|---|
| What it is | The company's own annual credit, applied as a rebate on contributions | Public funding requested through a call for applications |
| Availability | All year, while credit remains | Only when a call is open and until funds or the deadline run out |
| Award | No decision needed: you notify the training and apply the rebate | Requires an application, assessment and decision |
| What it funds | Staff training | Projects: export promotion, consultancy, digitalisation, trade fairs, depending on each programme |
| When you get the money | When you deduct the rebate from Social Security contributions | After justifying the expense, according to the rules of the call |
To fund entry into new markets, see the guide to internationalisation grants; for software, CRM or automation projects, the one on digitalisation grants for SMEs. Our grants service reviews which calls fit each case.
How to plan the year to make the most of your training credit
The safest way not to lose the credit is to treat it as an annual budget, with a calendar tied to your sales goals. This is the order we recommend:
- January and February: check the credit, set the year's priorities (markets, trade fairs, CRM or ERP roll-out) and decide which courses support them.
- Before 30 June: if you have fewer than 50 employees and will not use all the credit, decide whether to reserve it for the next two years.
- Before each trade fair or campaign: train the team in fair preparation, prospecting or AI with enough time to apply it.
- When rolling out tools: train on Holded, Clientify or Make during the implementation, not months later.
- October and November: wrap up the last training actions and leave December only for completion, paying invoices and applying the rebate.
If you are also digitalising the company, align the training with the project: we explain how in the guide to digitalisation with Holded, Clientify and Make and in our digitalisation service.
Frequently asked questions
How much FUNDAE training credit does my company have?
It depends on the vocational training contributions you paid the previous year and on your headcount. According to FUNDAE, as of October 2026, the percentage is 100% for 6 to 9 employees, 75% for 10 to 49, 60% for 50 to 249 and 50% from 250, with a guaranteed minimum of 420 euros for companies with 1 to 5 employees. FUNDAE offers a credit simulator.
What happens if I do not use the training credit during the year?
If you do not apply the rebate within the financial year, you cannot do so later for that year's training. The exception is for companies with fewer than 50 employees: they can reserve unused credit and carry it over for up to the next two years, as long as they request it in the FUNDAE application before 30 June of the current year.
Can an online course be subsidised?
Yes. FUNDAE covers e-learning and in-person training delivered fully or partly through a virtual classroom, meaning live and synchronous. In a virtual classroom, attendance is proven with a connection log for each participant. To count as completed, each participant must finish at least 75% of the hours, or of the learning assessments in e-learning.
Do I need an organising entity to subsidise a course?
It is not mandatory. The company can manage the rebate itself, as a beneficiary company, or delegate it to an organising entity through a management agreement. According to FUNDAE, if the company manages it directly, the trainer does not need to be registered in the State Register of Training Entities; if an organising entity is involved, it does.
What is the minimum length of a subsidised course?
According to FUNDAE, a training action cannot last less than two teaching hours or exceed eight hours a day, unless the training is concentrated in a single day. That is why courses are usually split into sessions of two to four hours, which also makes it easier to apply what is learned between one session and the next.
