{"id":61566,"date":"2016-11-07T12:23:05","date_gmt":"2016-11-07T11:23:05","guid":{"rendered":"http:\/\/aseryde.com\/?p=61566"},"modified":"2016-11-07T12:23:05","modified_gmt":"2016-11-07T11:23:05","slug":"linea-de-prestamos-emprendia-de-la-carm","status":"publish","type":"post","link":"https:\/\/aseryde.com\/en\/linea-de-prestamos-emprendia-de-la-carm\/","title":{"rendered":"CARM Emprendia loan line"},"content":{"rendered":"

 <\/p>\n

\n

This is a line of participatory loans aimed at the growth of innovative companies or with innovative projects. <\/b><\/p>\n<\/blockquote>\n

From the 14th of last October, and until the end of the year (<\/b>unless the budget of the Call had been previously exhausted), <\/span>the pymes<\/b> 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 <\/span>participative loans to innovative companies or recently created innovative projects<\/b> to promote the growth and consolidation of these companies, <\/span>as a measure to promote economic development and job creation in the Region of Murcia<\/span><\/p>\n

\n

Presentation: <\/b>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: <\/span>https:\/\/www.institutofomentomurcia.es\/infodirecto\/<\/span><\/a><\/p>\n

Companies dedicated to:<\/b><\/p>\n

    \n
  1. 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;<\/span><\/li>\n
  2. Games of chance and the corresponding material;<\/span><\/li>\n
  3. The manufacture, transformation or distribution of tobacco;<\/span><\/li>\n
  4. 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;<\/span><\/li>\n
  5. 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);<\/span><\/li>\n
  6. Controversial activities for ethical or moral reasons or prohibited by national legislation, for example research on the cloning of human beings;<\/span><\/li>\n
  7. Activities whose sole purpose is real estate promotion;<\/span><\/li>\n
  8. Purely financial activities, for example trading with financial instruments.<\/span><\/li>\n
  9. 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.<\/span><\/li>\n
  10. 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.<\/span><\/li>\n<\/ol>\n

    The list of CNAES excluded, <\/span>annexed.<\/b><\/p>\n

    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.<\/span><\/p>\n

    expressly remain <\/span><\/i>excluded<\/i><\/b> natural persons (self-employed<\/b>), <\/span>SC, CB,<\/b> as well as any other group of natural persons lacking legal personality.<\/span><\/p>\n

    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.<\/span><\/p>\n

    The <\/span>maximum age<\/span><\/i> of the company<\/span>, at the time of filing the application, may not exceed 3 years from the date of its constitution.<\/span><\/p>\n

    The company must have positive net worth and turnover for at least 6 months from the date of incorporation.<\/span><\/p>\n

    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 <\/span>they will not be eligible.<\/span><\/p>\n

    They may not be considered as beneficiaries<\/span> 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.<\/span><\/p>\n

    Fundable projects and actions.<\/b><\/p>\n

      \n
    1. Projects included in a business plan or business project, aimed at the growth of innovative companies or with innovative projects, will be financed.<\/span><\/li>\n<\/ol>\n
        \n
      1. 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. <\/span>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.<\/span><\/i><\/li>\n<\/ol>\n
          \n
        1. 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.<\/span><\/li>\n<\/ol>\n
            \n
          1. 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:<\/span><\/li>\n<\/ol>\n

            a) The acquisition, renewal or expansion of tangible assets other than land.<\/b><\/p>\n

            b) Intangible assets<\/b>,<\/b> which may include:<\/p>\n

            \u2013 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.<\/span><\/p>\n

            \u2013 R&D expenses including fees, development expenses and gross salaries directly related to the research, development and innovation components.<\/span><\/p>\n

            c<\/span>) Working capital needs<\/b> in the medium and long term as defined below. <\/span><\/p>\n

            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.<\/span><\/p>\n

            Deadline for carrying out actions:<\/b> 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.<\/span><\/p>\n

            minimum budget<\/b>: <\/b>The approved eligible project and cost may not be less than \u20ac25,000.<\/span><\/p>\n

            Financing characteristics<\/b>:<\/b> Financing is instrumented through participatory loans and the <\/span>maximum amount<\/b> of the loan may reach 100 % of the eligible costs of the project with a <\/span>minimum amount of financing per beneficiary<\/b> of \u20ac25,000 and a maximum of \u20ac300,000.<\/b><\/p>\n

            repayment term<\/span><\/i>: <\/span>6 years<\/b> maximums, including a grace period of up to 50% of the total term, with a maximum of 2 years<\/span>. <\/span>The minimum term for granting the loan will be 2 years.<\/span><\/p>\n

            Type of interest<\/span><\/i>: Euribor + differential (up to 4%)<\/span><\/p>\n

            SECTORS EXCLUDED BUSINESS LINE <\/span><\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
            COD_CNAE2009<\/b><\/td>\nDESCRIPTION<\/b><\/td>\n<\/tr>\n
            0111<\/span><\/td>\nCultivation of cereals (except rice), legumes and oilseeds<\/span><\/td>\n<\/tr>\n
            0112<\/span><\/td>\nrice cultivation<\/span><\/td>\n<\/tr>\n
            0113<\/span><\/td>\nCultivation of vegetables, roots and tubers<\/span><\/td>\n<\/tr>\n
            0114<\/span><\/td>\nsugarcane cultivation<\/span><\/td>\n<\/tr>\n
            0115<\/span><\/td>\ntobacco cultivation<\/span><\/td>\n<\/tr>\n
            0116<\/span><\/td>\nCultivation of plants for textile fibers<\/span><\/td>\n<\/tr>\n
            0119<\/span><\/td>\nOther non-perennial crops<\/span><\/td>\n<\/tr>\n
            0121<\/span><\/td>\ngrapevine cultivation<\/span><\/td>\n<\/tr>\n
            0122<\/span><\/td>\nCultivation of tropical and subtropical fruits<\/span><\/td>\n<\/tr>\n
            0123<\/span><\/td>\ncitrus cultivation<\/span><\/td>\n<\/tr>\n
            0124<\/span><\/td>\nCultivation of fruits with stone and pips<\/span><\/td>\n<\/tr>\n
            0125<\/span><\/td>\n\n

            Cultivation of other fruit and nut trees and shrubs<\/span><\/p>\n<\/td>\n<\/tr>\n

            0126<\/span><\/td>\nCultivation of oleaginous fruits<\/span><\/td>\n<\/tr>\n
            0127<\/span><\/td>\nGrowing plants for beverages<\/span><\/td>\n<\/tr>\n
            0128<\/span><\/td>\nCultivation of spices, aromatic, medicinal and pharmaceutical plants<\/span><\/td>\n<\/tr>\n
            0129<\/span><\/td>\nOther perennial crops<\/span><\/td>\n<\/tr>\n
            0130<\/span><\/td>\nplant propagation<\/span><\/td>\n<\/tr>\n
            0141<\/span><\/td>\nCattle farm for milk production<\/span><\/td>\n<\/tr>\n
            0142<\/span><\/td>\nExploitation of other cattle and buffaloes<\/span><\/td>\n<\/tr>\n
            0143<\/span><\/td>\nFarming of horses and other equines<\/span><\/td>\n<\/tr>\n
            0144<\/span><\/td>\nFarming of camels and other camelids<\/span><\/td>\n<\/tr>\n
            0145<\/span><\/td>\nFarming of sheep and goats<\/span><\/td>\n<\/tr>\n
            0146<\/span><\/td>\npig farm<\/span><\/td>\n<\/tr>\n
            0147<\/span><\/td>\nPoultry farming<\/span><\/td>\n<\/tr>\n
            0149<\/span><\/td>\nOther cattle farms<\/span><\/td>\n<\/tr>\n
            0150<\/span><\/td>\nAgricultural production combined with livestock production<\/span><\/td>\n<\/tr>\n
            0170<\/span><\/td>\nHunting, capture of animals and related services<\/span><\/td>\n<\/tr>\n
            0210<\/span><\/td>\nForestry and other forestry activities<\/span><\/td>\n<\/tr>\n
            0220<\/span><\/td>\ntimber exploitation<\/span><\/td>\n<\/tr>\n
            0230<\/span><\/td>\nCollection of wild products, except wood<\/span><\/td>\n<\/tr>\n
            0311<\/span><\/td>\nmarine fishing<\/span><\/td>\n<\/tr>\n
            0312<\/span><\/td>\nfreshwater fishing<\/span><\/td>\n<\/tr>\n
            0321<\/span><\/td>\nmarine aquaculture<\/span><\/td>\n<\/tr>\n
            0322<\/span><\/td>\nfreshwater aquaculture<\/span><\/td>\n<\/tr>\n
            0510<\/span><\/td>\nExtraction of anthracite and coal<\/span><\/td>\n<\/tr>\n
            0520<\/span><\/td>\nlignite extraction<\/span><\/td>\n<\/tr>\n
            0610<\/span><\/td>\ncrude oil extraction<\/span><\/td>\n<\/tr>\n
            0620<\/span><\/td>\nnatural gas extraction<\/span><\/td>\n<\/tr>\n
            0710<\/span><\/td>\nExtraction of minerals from iron<\/span><\/td>\n<\/tr>\n
            0721<\/span><\/td>\nMining of uranium and thorium<\/span><\/td>\n<\/tr>\n
            0729<\/span><\/td>\nExtraction of other non-ferrous metallic ores<\/span><\/td>\n<\/tr>\n
            0891<\/span><\/td>\nExtraction of minerals for chemicals and fertilizers<\/span><\/td>\n<\/tr>\n
            0892<\/span><\/td>\npeat extraction<\/span><\/td>\n<\/tr>\n
            0893<\/span><\/td>\nsalt extraction<\/span><\/td>\n<\/tr>\n
            0899<\/span><\/td>\nOther extractive industries nec<\/span><\/td>\n<\/tr>\n
            0910<\/span><\/td>\nSupport activities for oil and natural gas extraction<\/span><\/td>\n<\/tr>\n
            0990<\/span><\/td>\nSupport activities for other extractive industries<\/span><\/td>\n<\/tr>\n
            1200<\/span><\/td>\ntobacco industry<\/span><\/td>\n<\/tr>\n
            1910<\/span><\/td>\ncoqueries<\/span><\/td>\n<\/tr>\n
            1920<\/span><\/td>\npetroleum refining<\/span><\/td>\n<\/tr>\n
            2015<\/span><\/td>\nManufacture of fertilizers and nitrogenous compounds<\/span><\/td>\n<\/tr>\n
            2051<\/span><\/td>\nmanufacture of explosives<\/span><\/td>\n<\/tr>\n
            2446<\/span><\/td>\nNuclear fuel processing<\/span><\/td>\n<\/tr>\n
            2540<\/span><\/td>\nManufacture of weapons and ammunition<\/span><\/td>\n<\/tr>\n
            3030<\/span><\/td>\nAeronautical and space construction and its machinery<\/span><\/td>\n<\/tr>\n
            3040<\/span><\/td>\nManufacture of military combat vehicles<\/span><\/td>\n<\/tr>\n
            3812<\/span><\/td>\nCollection of hazardous waste<\/span><\/td>\n<\/tr>\n
            3821<\/span><\/td>\nTreatment and disposal of non-hazardous waste<\/span><\/td>\n<\/tr>\n
            3822<\/span><\/td>\nTreatment and disposal of hazardous waste<\/span><\/td>\n<\/tr>\n
            4110<\/span><\/td>\nreal estate promotion<\/span><\/td>\n<\/tr>\n
            4635<\/span><\/td>\nWholesale trade of tobacco products<\/span><\/td>\n<\/tr>\n
            4726<\/span><\/td>\nRetail trade of tobacco products in specialized establishments<\/span><\/td>\n<\/tr>\n
            4950<\/span><\/td>\npipeline transport<\/span><\/td>\n<\/tr>\n
            5122<\/span><\/td>\nspace transport<\/span><\/td>\n<\/tr>\n
            5221<\/span><\/td>\nActivities related to land transport<\/span><\/td>\n<\/tr>\n
            5222<\/span><\/td>\nActivities related to maritime transport and inland waterways<\/span><\/td>\n<\/tr>\n
            5223<\/span><\/td>\nActivities related to air transport<\/span><\/td>\n<\/tr>\n
            6411<\/span><\/td>\nCentral bank<\/span><\/td>\n<\/tr>\n
            6419<\/span><\/td>\nOther monetary intermediation<\/span><\/td>\n<\/tr>\n
            6420<\/span><\/td>\nActivities of holding companies<\/span><\/td>\n<\/tr>\n
            6430<\/span><\/td>\nCollective investment, funds and similar financial entities<\/span><\/td>\n<\/tr>\n
            6491<\/span><\/td>\nFinancial leasing<\/span><\/td>\n<\/tr>\n
            6492<\/span><\/td>\nOther credit activities<\/span><\/td>\n<\/tr>\n
            6499<\/span><\/td>\nOther financial services, except insurance and pension funds ncop 6511 Life insurance<\/span><\/td>\n<\/tr>\n
            6512<\/span><\/td>\nInsurance other than life insurance<\/span><\/td>\n<\/tr>\n
            6520<\/span><\/td>\nreinsurance<\/span><\/td>\n<\/tr>\n
            6530<\/span><\/td>\nPension funds<\/span><\/td>\n<\/tr>\n
            6611<\/span><\/td>\nFinancial markets administration<\/span><\/td>\n<\/tr>\n
            6612<\/span><\/td>\nBrokerage activities in transactions with securities and other assets<\/span><\/td>\n<\/tr>\n
            6619<\/span><\/td>\nOther activities auxiliary to financial services, except insurance and pension funds<\/span><\/td>\n<\/tr>\n
            6621<\/span><\/td>\nRisk and damage assessment<\/span><\/td>\n<\/tr>\n
            6622<\/span><\/td>\nActivities of insurance agents and brokers<\/span><\/td>\n<\/tr>\n
            6629<\/span><\/td>\nOther activities auxiliary to insurance and pension funds<\/span><\/td>\n<\/tr>\n
            6630<\/span><\/td>\nFund management activities<\/span><\/td>\n<\/tr>\n
            6810<\/span><\/td>\nBuying and selling real estate on your own<\/span><\/td>\n<\/tr>\n
            6820<\/span><\/td>\nRental of real estate on own account<\/span><\/td>\n<\/tr>\n
            6831<\/span><\/td>\nReal estate agents<\/span><\/td>\n<\/tr>\n
            6832<\/span><\/td>\nManagement and administration of real estate property<\/span><\/td>\n<\/tr>\n
            8411<\/span><\/td>\nGeneral activities of the Public Administration<\/span><\/td>\n<\/tr>\n
            8412<\/span><\/td>\nRegulation of health, educational and cultural activities and other social services, except Social Security<\/span><\/td>\n<\/tr>\n
            8413<\/span><\/td>\nRegulation of economic activity and contribution to its greater efficiency<\/span><\/td>\n<\/tr>\n
            8421<\/span><\/td>\nforeign affairs<\/span><\/td>\n<\/tr>\n
            8422<\/span><\/td>\nDefending<\/span><\/td>\n<\/tr>\n
            8423<\/span><\/td>\nJustice<\/span><\/td>\n<\/tr>\n
            8424<\/span><\/td>\nPublic order and security<\/span><\/td>\n<\/tr>\n
            8430<\/span><\/td>\nMandatory Social Security<\/span><\/td>\n<\/tr>\n
            9200<\/span><\/td>\nGambling and betting activities<\/span><\/td>\n<\/tr>\n
            9411<\/span><\/td>\nActivities of business and employer organizations<\/span><\/td>\n<\/tr>\n
            9412<\/span><\/td>\nActivities of professional organizations<\/span><\/td>\n<\/tr>\n
            9420<\/span><\/td>\nunion activities<\/span><\/td>\n<\/tr>\n
            9491<\/span><\/td>\nActivities of religious organizations<\/span><\/td>\n<\/tr>\n
            9492<\/span><\/td>\nActivities of political organizations<\/span><\/td>\n<\/tr>\n
            9499<\/span><\/td>\nOther associative activities ncop<\/span><\/td>\n<\/tr>\n
            9700<\/span><\/td>\nHousehold activities as employers of domestic staff<\/span><\/td>\n<\/tr>\n
            9810<\/span><\/td>\nHousehold activities as producers of goods for own use<\/span><\/td>\n<\/tr>\n
            9820<\/span><\/td>\nHousehold activities as producers of services for own use<\/span><\/td>\n<\/tr>\n
            9900<\/span><\/td>\nActivities of extraterritorial organizations and bodies<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

             <\/p>\n

            Links:<\/p>\n

            Bases: Act 07-21-2016 (BORM 09-19-2016). INFO and ICREF<\/a><\/p>\n

            Call extract: Rsl 10-07-16 (BORM 10-13-2016)<\/a> \t<\/p>","protected":false},"excerpt":{"rendered":"

              This is a line of participatory loans aimed at the growth of innovative companies or those with novel projects. From October 14th until the end of the year (unless the Call for Proposals budget has been exhausted beforehand), SMEs in the form of commercial companies, whose activity [\u2026]<\/p>","protected":false},"author":2,"featured_media":61573,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[5],"tags":[],"class_list":["post-61566","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias"],"_links":{"self":[{"href":"https:\/\/aseryde.com\/en\/wp-json\/wp\/v2\/posts\/61566","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/aseryde.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/aseryde.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/aseryde.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/aseryde.com\/en\/wp-json\/wp\/v2\/comments?post=61566"}],"version-history":[{"count":0,"href":"https:\/\/aseryde.com\/en\/wp-json\/wp\/v2\/posts\/61566\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/aseryde.com\/en\/wp-json\/wp\/v2\/media\/61573"}],"wp:attachment":[{"href":"https:\/\/aseryde.com\/en\/wp-json\/wp\/v2\/media?parent=61566"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/aseryde.com\/en\/wp-json\/wp\/v2\/categories?post=61566"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/aseryde.com\/en\/wp-json\/wp\/v2\/tags?post=61566"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}