Things
The Chamber of Commerce, Industry, Crafts and Agriculture of Pavia - within the strategic objective of "Supporting the competitiveness of the entrepreneurial system" identified in the 2024 Programmatic Forecast Report, approved by the Extraordinary Commissioner of the Chamber of Commerce with resolution no. 73 of 11.17.2023 - intends to improve the conditions of access to credit for Micro, Small and Medium Enterprises (hereinafter MSMEs) in the area, intervening with non-repayable contributions to reduce rates both on liquidity financing and on financing for investments made in the province of Pavia.
Who is it aimed at?
The call is aimed at micro, small and medium-sized enterprises - with registered and/or operational headquarters registered and active in the Business Register of the Chambers of Commerce of Pavia - which have stipulated a financing contract with a credit institution (banks) and/or with a Confidi registered in the list referred to in the art. 112 bis TUB or the single register referred to in art. 106 TUB as amended by Legislative Decree 13 August 2010, n. 141 for liquidity and investment operations.
What does it predict
The Notice 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 2024 are eligible for the benefit. The subsidized intervention consists of reducing interest by up to 5%, 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.
