Micro-credit / Micro-loan

The measure is intended for micro-enterprises having their operational headquarters in Puglia, and which intend to make investments there but do not possess such economic and financial indicators as to be deemed “bankable”. Therefore, the following can access this announcement: Individual firms; Snc; Sas; Cooperative companies; Srls; Associations between professionals (must have their own VAT number). The loans will be disbursed in the form of a loan with a maximum duration of 60 months plus a 6-month pre-amortization repayable in constant deferred installments (except for early repayment in a single payment of principal and interest, allowed to all) by direct debit with debit on the current account. The minimum amount is 5,000 euros, the maximum 25,000. There is no non-repayable fund but only a facility in terms of recognition of a loan that is otherwise not obtainable. The following expenses net of VAT are eligible (at least 30% of the total): masonry and similar works, machinery, plants and equipment, as well as vehicles (if commensurate with production needs) computer programs (commensurate with production needs) purchase of patents and licenses ( commensurate with production needs) The following expenses are eligible, net of VAT (at least 70% of the total): purchase of raw materials, semi-finished products, consumables; property lease / plant / machinery rental; utilities (on the basis of contracts linked to the company) insurance policies on movable / immovable tangible property owned by the company; MORAL GUARANTEE The applicant will have to identify a person who is willing to morally guarantee for him. The following subjects may be moral guarantors: managers of associations registered in the regional register of associations for social promotion; managers of associations registered in the regional register of voluntary associations; heads of religious organizations; foundations managers; leaders of NGOs; managers of trade unions and employers; managers of associations registered in the national register of ASDs; managers of associations registered in the regional register of immigrant associations; managers of cultural associations registered in registers held by PA; managers of associations registered in the regional register of women's associations; The guarantee consists in: personally knowing the partners / promoters and considering them reliable; know the investment plan to be implemented; be available to provide all information on shareholders / promoters until the loan is repaid; support members / promoters in the implementation of the initiative. The moral guarantee is not a financial guarantee.