Things
To prevent liquidity crises of Micro, Small and Medium Enterprises (hereinafter MSMEs) in its territory, the Pavia Chamber of Commerce promotes a new measure dedicated to liquidity operations aimed at improving the conditions of access to credit, intervening with contributions non-repayable for the reduction of rates both on liquidity financing and on investment financing
Who is it aimed at?
Micro, small and medium-sized enterprises with registered and/or operational headquarters registered and active in the Business Register of the Pavia Chamber of Commerce
What does it predict
The measure provides for a non-repayable contribution for the reduction of the pricing of bank loans granted for liquidity or investment operations with a minimum amount of 10,000.00 euros and a minimum duration of 12 months. The calculation of the benefit will take into account the periodicity of the repayment plan deadlines, considering the maximum term of 72 months as subsidized even for contracts with a longer duration. Financing contracts stipulated starting from 1 January 2023 are eligible for the benefit. The subsidized intervention consists of reducing interest by up to 7%, with a maximum contribution of 10,000 euros, calculated on a subsidized value of the loan of up to 150 thousand euros (even in the case of loans of a higher amount). Coverage of 50% of the guarantee costs of a Confidi up to 1,000 euros is also recognized. Only loans with a rate applied by the financial intermediary up to a maximum of 9% (TAN) are eligible.
