Factsheet for measure
ES-2020-14/1891
– measures in Spain
Microcredits for the self-employed and SMEs
Microcréditos para autónomos y Pymes
Background information
With the aim of injecting the necessary liquidity to SMEs, self-employed workers and mutual insurance companies and favoring the return to activity in the de-escalation, these groups can request, with great advantages, microcredits of €9,000 to €15,000 guaranteed by Garántia and with a duration between 3 and 5 years.
Thanks to the budget increase of €51 million by the Junta de Andalucía to the agreement previously signed with Garántia, both the cost of the guarantees and the interests thereof will be financed during the first year of grace, so the cost of said guarantee will be zero.
These are loans with a significant reduction in the economic-financial conditions of access to existing guarantees, with an agile and fast processing by Garántia and the Ministry of Finance.
Content of measure
The beneficiaries of these microcredits will be self-employed and Micro-SMEs with establishment permanent or main center of activity in Andalusia, affected by the COVID-19 crisis.
Can access to these microcredits, the self-employed and SMEs with tax benefits, positive equity and generation of sufficient resources to pay your debt up to 31 December 2019.
Moreover, those companies benefiting from these microcredits have to maintain employment levels during the period enjoying the credit
The required documentation will be the self-assessment of personal income tax for the last year or annual statement-summary of VAT for 2019 if it had not been submitted; Proof of self-employed or mutual insurance payment, with a minimum seniority of 31 December 2019; certificate of being up to date with the Treasury and Social Security and analysis of the bank does not appear in any record of defaults.
Use of measure
No information available.
Target groups
Actors and funding
|
Actors
|
Funding
|
Local / regional government
|
No special funding required
|
Social partners
Social partners' role in
designing the measure
and form of involvement:
|
Trade unions
|
Employers' organisations
|
|
Role
|
No involvement
|
No involvement
|
|
Form
|
Not applicable
|
Not applicable
|
Social partners' role in the
implementation, monitoring and assessment phase:
-
No involvement
-
Main level of involvement: N/A
Involvement
No involvement of social partners was reported
Views and reactions
No views of social partners has been reported
Sources
