This is a line of participatory loans aimed at the growth of innovative companies or with innovative projects.
From the 14th of last October, and until the end of the year (unless the budget of the Call had been previously exhausted), the pymes that take the form of commercial companies, whose activity object of the project is located in the Autonomous Community of Murcia and of any sector of activity, with the exception of those expressly excluded, may request the granting of loans participative loans to innovative companies or recently created innovative projects to promote the growth and consolidation of these companies, as a measure to promote economic development and job creation in the Region of Murcia
Presentation: Those interested should direct their request to the INFO Presidency by telematic submission of requests and complementary documentation, according to the model that will be found in the loans section of the Internet address: https://www.institutofomentomurcia.es/infodirecto/
Companies dedicated to:
- The manufacture of weapons, weapons and ammunition, military or police equipment or infrastructures and equipment or infrastructures intended to limit individual rights or the freedom of persons (that is, prisons and detention centers of all kinds) or that violate human rights;
- Games of chance and the corresponding material;
- The manufacture, transformation or distribution of tobacco;
- Activities involving the use of live animals for scientific experimental purposes to the extent that compliance with the "European Convention on the Protection of Vertebrate Animals Used for Experimental and Other Scientific Purposes" cannot be guaranteed;
- Activities whose impact on the environment can only be mitigated or compensated to a very small extent (see also section 3 on compliance with EU directives and national environmental laws);
- Controversial activities for ethical or moral reasons or prohibited by national legislation, for example research on the cloning of human beings;
- Activities whose sole purpose is real estate promotion;
- Purely financial activities, for example trading with financial instruments.
- Fishing and aquaculture, to the primary production of agricultural products, and the acquisition of road freight transport vehicles granted to companies that carry out road freight transport operations for others, provided for in article 1 of the Regulation (EC ) No. 1407/2013 of the Commission, of December 18, 2013, regarding de minimis aid, published in DOUE no. 352 of December 24, 2013.
- Export-related activities, specifically, those aids directly associated with the quantities exported, those related to the establishment and operation of a distribution network or other current expenses derived from the export activity, as well as aids conditioned to the use of domestic products to the detriment of imported ones.
The list of CNAES excluded, annexed.
If a company operates in any of the excluded activity sectors, and also in other different ones, it may receive financing under this Agreement for these, provided that it is possible to guarantee through the separation of activities and the distinction of costs, that the activities of the excluded sectors do not benefit, in any way, from the financing that they may receive for the non-excluded activities.
expressly remain excluded natural persons (self-employed), SC, CB, as well as any other group of natural persons lacking legal personality.
The companies must have at least one work center in the Region of Murcia, and the project financed by the loan granted must be carried out in the work centers located in the Region.
The maximum age of the company, at the time of filing the application, may not exceed 3 years from the date of its constitution.
The company must have positive net worth and turnover for at least 6 months from the date of incorporation.
Financial holding companies whose only economic activity is owning or managing a portfolio of holdings and/or investments in other companies, and leasing companies linked to certain manufacturers they will not be eligible.
They may not be considered as beneficiaries companies in a crisis situation, according to the definition established in art. 2.18 Regulation (EC) No. 651/2014 of the Commission, of June 17, 2014, and especially those that are involved in a bankruptcy procedure or meet the requirements for a creditor to be able to request the necessary bankruptcy.
Fundable projects and actions.
- Projects included in a business plan or business project, aimed at the growth of innovative companies or with innovative projects, will be financed.
- The project must have innovative characteristics. In other words, the product or service that the company develops or offers must be new to the market or represent, with respect to what already exists, a novelty in its characteristics or in the use for which it is intended. It is also considered an innovative project that is implemented or developed in the company itself and that represents new or differentiated business management models, not considering eligible a company whose products or services do not present significant differentiation compared to a majority of competitors, or whose management models are widely applied among said competitors. Of special relevance will be those companies that operate in advanced emerging technological sectors, identified by the Regional Research and Innovation Strategy for intelligent specialization (RIS3) of Murcia.
- The financed expenses must be contracted and paid directly between the beneficiary of the loan and the final provider. Suppliers may not be linked to the requesting entity or to the members of its governing or managing bodies.
- The investments and expenses that can be financed with the participatory loan will be those actually made by the beneficiaries contemplated in the project approved in the concession resolution, and the following items will be considered financeable:
a) The acquisition, renewal or expansion of tangible assets other than land.
b) Intangible assets, which may include:
– Computer applications and acquisitions of intellectual and industrial property, including manufacturing licenses or technical knowledge provided that they meet the requirements: (i) are used exclusively in the establishment that is the object of the loan, (ii) are considered elements of depreciable assets, ( iii) are acquired from third parties under market conditions, and (iv) appear in the assets of the company.
– R&D expenses including fees, development expenses and gross salaries directly related to the research, development and innovation components.
c) Working capital needs in the medium and long term as defined below.
The financing object of this Line can be used to provide a stable working capital base that allows the final beneficiaries to finance the obligations derived from their commercial cycle, as part of their normal activities. Funded categories may include, but are not limited to, funds needed to pay for raw materials and other manufacturing inputs, labor, inventory, and overhead costs, and funds to finance customer accounts receivable (customer accounts for sales and service benefits). services and other debtors). The expenses associated with the Internationalization Plan of companies for the opening of new markets or the introduction of new products in already existing international markets and the development of the marketing and sales plan will be included in the working capital needs.
Deadline for carrying out actions: The project and the approved costs contained in the submitted Business Plan may be carried out from 3 months before the loan request date and up to a maximum of three years from the loan request date.
minimum budget: The approved eligible project and cost may not be less than €25,000.
Financing characteristics: Financing is instrumented through participatory loans and the maximum amount of the loan may reach 100 % of the eligible costs of the project with a minimum amount of financing per beneficiary of €25,000 and a maximum of €300,000.
repayment term: 6 years maximums, including a grace period of up to 50% of the total term, with a maximum of 2 years. The minimum term for granting the loan will be 2 years.
Type of interest: Euribor + differential (up to 4%)
SECTORS EXCLUDED BUSINESS LINE
| COD_CNAE2009 | DESCRIPTION |
| 0111 | Cultivation of cereals (except rice), legumes and oilseeds |
| 0112 | rice cultivation |
| 0113 | Cultivation of vegetables, roots and tubers |
| 0114 | sugarcane cultivation |
| 0115 | tobacco cultivation |
| 0116 | Cultivation of plants for textile fibers |
| 0119 | Other non-perennial crops |
| 0121 | grapevine cultivation |
| 0122 | Cultivation of tropical and subtropical fruits |
| 0123 | citrus cultivation |
| 0124 | Cultivation of fruits with stone and pips |
| 0125 |
Cultivation of other fruit and nut trees and shrubs |
| 0126 | Cultivation of oleaginous fruits |
| 0127 | Growing plants for beverages |
| 0128 | Cultivation of spices, aromatic, medicinal and pharmaceutical plants |
| 0129 | Other perennial crops |
| 0130 | plant propagation |
| 0141 | Cattle farm for milk production |
| 0142 | Exploitation of other cattle and buffaloes |
| 0143 | Farming of horses and other equines |
| 0144 | Farming of camels and other camelids |
| 0145 | Farming of sheep and goats |
| 0146 | pig farm |
| 0147 | Poultry farming |
| 0149 | Other cattle farms |
| 0150 | Agricultural production combined with livestock production |
| 0170 | Hunting, capture of animals and related services |
| 0210 | Forestry and other forestry activities |
| 0220 | timber exploitation |
| 0230 | Collection of wild products, except wood |
| 0311 | marine fishing |
| 0312 | freshwater fishing |
| 0321 | marine aquaculture |
| 0322 | freshwater aquaculture |
| 0510 | Extraction of anthracite and coal |
| 0520 | lignite extraction |
| 0610 | crude oil extraction |
| 0620 | natural gas extraction |
| 0710 | Extraction of minerals from iron |
| 0721 | Mining of uranium and thorium |
| 0729 | Extraction of other non-ferrous metallic ores |
| 0891 | Extraction of minerals for chemicals and fertilizers |
| 0892 | peat extraction |
| 0893 | salt extraction |
| 0899 | Other extractive industries nec |
| 0910 | Support activities for oil and natural gas extraction |
| 0990 | Support activities for other extractive industries |
| 1200 | tobacco industry |
| 1910 | coqueries |
| 1920 | petroleum refining |
| 2015 | Manufacture of fertilizers and nitrogenous compounds |
| 2051 | manufacture of explosives |
| 2446 | Nuclear fuel processing |
| 2540 | Manufacture of weapons and ammunition |
| 3030 | Aeronautical and space construction and its machinery |
| 3040 | Manufacture of military combat vehicles |
| 3812 | Collection of hazardous waste |
| 3821 | Treatment and disposal of non-hazardous waste |
| 3822 | Treatment and disposal of hazardous waste |
| 4110 | real estate promotion |
| 4635 | Wholesale trade of tobacco products |
| 4726 | Retail trade of tobacco products in specialized establishments |
| 4950 | pipeline transport |
| 5122 | space transport |
| 5221 | Activities related to land transport |
| 5222 | Activities related to maritime transport and inland waterways |
| 5223 | Activities related to air transport |
| 6411 | Central bank |
| 6419 | Other monetary intermediation |
| 6420 | Activities of holding companies |
| 6430 | Collective investment, funds and similar financial entities |
| 6491 | Financial leasing |
| 6492 | Other credit activities |
| 6499 | Other financial services, except insurance and pension funds ncop 6511 Life insurance |
| 6512 | Insurance other than life insurance |
| 6520 | reinsurance |
| 6530 | Pension funds |
| 6611 | Financial markets administration |
| 6612 | Brokerage activities in transactions with securities and other assets |
| 6619 | Other activities auxiliary to financial services, except insurance and pension funds |
| 6621 | Risk and damage assessment |
| 6622 | Activities of insurance agents and brokers |
| 6629 | Other activities auxiliary to insurance and pension funds |
| 6630 | Fund management activities |
| 6810 | Buying and selling real estate on your own |
| 6820 | Rental of real estate on own account |
| 6831 | Real estate agents |
| 6832 | Management and administration of real estate property |
| 8411 | General activities of the Public Administration |
| 8412 | Regulation of health, educational and cultural activities and other social services, except Social Security |
| 8413 | Regulation of economic activity and contribution to its greater efficiency |
| 8421 | foreign affairs |
| 8422 | Defending |
| 8423 | Justice |
| 8424 | Public order and security |
| 8430 | Mandatory Social Security |
| 9200 | Gambling and betting activities |
| 9411 | Activities of business and employer organizations |
| 9412 | Activities of professional organizations |
| 9420 | union activities |
| 9491 | Activities of religious organizations |
| 9492 | Activities of political organizations |
| 9499 | Other associative activities ncop |
| 9700 | Household activities as employers of domestic staff |
| 9810 | Household activities as producers of goods for own use |
| 9820 | Household activities as producers of services for own use |
| 9900 | Activities of extraterritorial organizations and bodies |
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