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FINANZIAMENTI E CONTRIBUTI A FONDO PERDUTO DA SIMEST

 

AIUTI ALL’EXPORT DELLE PMI (solo società di capitali)

 

Beneficiari

PMI con le seguenti caratteristiche:

  • – sede legale in Italia;
  • – costituite in forma di società di capitali;
  • – con fatturato estero, realizzato nei tre esercizi finanziari precedenti a quello di presentazione della domanda, pari in media ad almeno il 35% del fatturato complessivo (l’export ci deve essere in tutti i 3 anni).

 

Agevolazione

Finanziamento con fondi Simest (non compare in centrale rischi) avente le seguenti caratteristiche:

  • – Tasso di interesse: concesso ed erogato al tasso di riferimento comunitario.
  • – Importo massimo: €800.000 e non superiore al 40% del patrimonio netto dell’ultimo bilancio approvato.
  • di cui Contributo a fondo perduto pari al 40% del finanziamento (importo massimo €100.000).
  • – Erogazione: in unica soluzione entro 30 giorni dalla data di perfezionamento del contratto.
  • – Durata: 6 anni, di cui 2 di preammortamento e 4 di rimborso.
  • – Tasso: durante il periodo di pre-ammortamento verrà applicato il tasso di riferimento UE, durante il periodo di rimborso, se verrà raggiunto l’obiettivo di patrimonializzazione prefissato, verrà applicato il tasso agevolato pari al 10% del tasso di riferimento UE.

Per tutto il 2020 non verranno chieste garanzie.

 

Interventi ammissibili e obiettivo del finanziamento

NON SONO RICHIESTI particolari progetti di investimento.

L’obiettivo del finanziamento è quello di:

✅ raggiungere o superare il livello soglia, qualora dall’ultimo bilancio approvato, il livello di ingresso risulti inferiore al livello soglia stesso

✅ mantenere o migliorare il livello di ingresso, qualora esso risulti uguale o superiore al livello soglia.

Ai fini del finanziamento è individuato un livello di solidità patrimoniale di riferimento (“livello soglia”), costituito dal rapporto Patrimonio netto / Attività immobilizzate nette posto uguale a:

· 0,65 per le imprese industriali/manifatturiere

· 1,00 per le imprese commerciali/di servizi.

Tale livello è calcolato sull’ultimo bilancio approvato dall’impresa prima dell’esame della domanda di finanziamento ed è definito “livello d’ingresso”.

Non sono ammissibili (perché già molto patrimonializzate) le PMI il cui rapporto Patrimonio netto / Attività Immobilizzate nette risulta essere:

➡️   superiore a 1,60 per imprese industriale/manifatturiere

➡️  superiore a 2,60 per imprese commerciale/di servizi

 

Chi è SIMEST

SIMEST è la finanziaria di sviluppo e promozione delle imprese italiane all’estero collegata a Cassa Depositi e Prestiti nata nel 1991 con il compito di sostenere il processo di internazionalizzazione e di assistere gli imprenditori nelle loro attività nei mercati stranieri.

 

 

Per maggiori informazioni contattare:

ASSOCIAZIONE COMMERCIANTI ALBESI
UFFICIO CREDITO
Piazza San Paolo, 3 – 12051 Alba (CN)
Chiara Chiavazza 0173/226663 cchiavazza@ascomfidinordovest.it
Davide Paganotti 0173/226671 dpaganotti@ascomfidinordovest.it
0173 226611 

 

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