Things
A subsidized loan granted by Confidi to SMEs operating in all economic sectors.
Who is it aimed at?
The beneficiaries of the subsidized loan are companies that operate throughout the national territory and in all sectors of economic activity, which: – are registered in the Company Register; – are classified as small and medium sized (SMEs) in accordance with the provisions of Annex I to Regulation (EU) no. 651/2014 of the Commission, of 17 June 2014; – are in the full and free exercise of their rights and are not in a state of dissolution or liquidation.
What does it predict
The granting of subsidized loans with the following characteristics is envisaged: – amount, where disbursed by smaller consortia, not exceeding €100,000; – portion of the subsidized financing granted from public resources, not exceeding 80% of the total amount; – zero interest rate; – maximum limit of credit disbursable from public resources for each beneficiary SME equal to 5% of the amount of public resources assigned to the Confidi. The residual portion of the loan, not less than 20% of the total amount of the loan, is granted from the Confidi's own resources, which cannot make use of risk mitigation tools from public resources. On the residual portion of the loan, the Confidi can apply an interest rate to remunerate the risk assumed by it. On the entire amount of the loan, the Confidi can apply a commission to cover the administrative costs of the investigation and management up to a maximum of 0.5% of the amount of the loan. Financing cannot be granted for consolidation operations of short-term financial liabilities or renegotiation of medium-long term financial liabilities. The incentive is granted based on public resources provided in implementation of article 1, paragraph 54, of law no. 147 of 2013, within the limits of the provisions of the de minimis regulations in force. For the calculation of the amount of subsidies, in terms of gross grant equivalent (GSE), the methodology referred to in the Commission communication relating to the revision of the method of setting the reference and discount rates (2008/C 14/02) is applied. ).
