Artificial Intelligence in SMEs drives digital transformation through new PRR funding

Digital transformation is no longer a trend, it has become a necessity. Artificial Intelligence (AI) plays a key role in this process, making businesses more efficient, productive and competitive. To accelerate this transition, the Recovery and Resilience Plan (PRR) has launched the 03/C05-i14.01/2025 – AI in SMEs call, which provides financial support for micro, small and medium-sized enterprises that wish to integrate AI solutions into their management and operational processes.

Managed by the Portuguese Development Bank (BPF), this program finances projects that apply AI to productivity or to the relationship with clients and partners. Eligible projects may include virtual assistants, chatbots, recommendation systems, sales forecasting tools, predictive analysis software or task automation applications. The goal is to help companies modernize their structures and achieve real gains in efficiency and profitability.

The incentive covers 75% of total investment, up to 300,000 euros per company, with a minimum eligible investment of 5,000 euros. Applications are open from 30 September to 31 October 2025, and, if funds remain available, may continue until 28 November 2025. Projects can last for 24 months, with the possibility of an extension in justified cases.

Eligible expenses include software and equipment acquisition, hiring of specialized technical staff, consulting and training services, and financial audit costs. The funding is non-repayable and disbursed in stages, including an initial advance and interim reimbursements of up to 95% of the approved amount.

This initiative seeks to democratize access to technology and stimulate innovation, helping SMEs take a decisive step towards digitalization. By adopting AI, companies can reduce costs, improve processes, anticipate market trends and offer more personalized customer experiences. It is a concrete opportunity for Portuguese enterprises to modernize operations, gain agility and strengthen their competitiveness in a market increasingly driven by innovation and technology.