Subsidized loans in support of investments and CAPITAL Circulating of cooperative companies
Purpose:
Support the investments of cooperative companies to increase the productivity and competitiveness of the confcooperative belonging cooperatives.
Support corporate liquidity for circulating capital needs due to the fence of costs and production revenues.
Support access to bank credit for confcooperative cooperatives to put them in a position to successfully face the challenges and transitions we are going through.
beneficiary:
Confcooperative SMEs are allowed in compliance with the membership contributions and payments of the 3% of profits to foundosviluppo, with the exception of the cooperatives that pay the 3% directly to your regional mutual fund (Fvg, Trentino, South Tyrol and Valle d'Aosta).
ELIGIBLE INTERVENTIONS:
Purchase and/or renovation of instrumental buildings for the activity (MAX 75% of the investment program)
Purchase of new material fixed assets (per is. plants, machinery, equipment, mobile, office machines, vehicles, equipment, packaging to be reused, etc.) and intangible (per is. software, patents, etc.), in ordinary maintenance, extraordinary and revamping of systems and machinery already owned, to be carried out in the registered office and/or operational.
Investments aimed at digitization (of product and/or process) and energy efficiency.
Restoration of the corporate liquidity used for the financing of investment operations already started and/or finished in the last 12 months;
Financing of the circulating capital needs resulting from the fence of the times of realization of the costs and production revenues.
Partners involved:
BCC Iccrea group
Central Cassa Group
Federcasse BCC Credito Cooperativo
Foundosviluppo
Cooperfidi Italy
Eligible loans:
Medium-long term loans provided by BCC adhering to the banking groups cooperative and guaranteed by Cooperfidi Italia, with duration included by 24 a 120 months (Maximum pre -amortization 12 months) and interest rate - determined by the BCC which grants the loan on the basis of the credit merit of the applicant cooperative - facilitated with respect to the ordinary rate practiced and in any case not exceeding 6%.
Facilitation:
The facilitation of the interest contribution will be maximum extent equal to 20% 0 30%, with a maximum of € respectively 30.000 0 € 50.000, on a loan granted by the BCC of the maximum amount of € 1.000.000 for the duration of 5 years.
It should be noted that if the loan is granted with a longer duration and amount than expected, The facilitation of the interest contribution will be recognized within the maximum amount of € 30.000 0 € 50.000. The facilitation of greater amount will be applied to funding provided for programs aimed at technological innovation, the increase in employment and the development of the South.
This facilitation cannot be combined with other similar ones provided for in the calls and in the calls of Foundyupuppo and the cooperatives that have never benefited from financial support of the last will never be precedence 3 years.
Covering of the cost of the warranty: on the costs for the guarantee issued by Cooperfidi Italia within the maximum of 4% one -off of the amount of the loan.
Warranty costs:
Cooperfidi Italia undertakes to apply, Compared to ordinary pricing, a discount of the 25% on the Guarantee Commission and the reset of the request for an increase in the share capital for SMEs.
For SMEs not admissible to the central guarantee fund and for large companies, pricing will be the function of the counter -eighty tool (present).
