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Starting today, freelancers and SMEs can apply for direct loans from the ICO, as confirmed by Francisco Abellán socialist senator who adds that "are intended to finance business investment and liquidity needs, the Government meets its commitment to make available this line direct credit by 15 June this year. "
With the implementation of this measure the government takes a further step to facilitate access to credit for SMEs and boost self-employed and the credit market.
The main novelty of this measure is that the ICO directly receives requests and performs the analysis of the operation, determine the guarantees to provide and decide on the loan, assuming 100% of the risk.
The concession period is less than 30 days from application and credit transactions can be processed at 6,300 offices of BBVA and Santander.
Moreover, in certain branches creates the figure of specialized manager is responsible for assisting the client in the pipeline.
ICO is directly aimed at SMEs and freelancers with more than a year old in need of funding of up to 200,000 euros for new investments or liquidity.
It can accommodate companies that have previously applied for a loan but was rejected, those who have obtained loans from financial institutions, but in amounts lower than requested and autonomous business or currently have an unmet need for financing, but with expectations of further increasing its activity.
The repayment of the loans is 7 years with 2 qualifying for the investment for three years with a grace period for cash.
The interest rate is the same for the two modes: Euribor 6 months + 3.50%.
Can get more information by logging in www.facilitadorfinanciero.es
Source: PSOE Jumilla
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