As part of the EU-financed schemes providing refundable funding, the GINOP-8-1.1-16 loan scheme aims to promote the research, development and innovation activities of financially viable, revenue-driven businesses which are unable or hardly able to get sufficient funding from the money markets. In the framework of this scheme, applicants may receive loan on preferential terms to finance the development and marketing of new, marketable products, services, technologies and prototypes with significant intellectual added value. As a requirement laid down by the Managing Authority announcing the loan scheme, applicants have to obtain the endorsing RDI policy opinion of the NRDI Office.