Portal de Cartagena
www.portaldecartagena.com
The counseling department of the Agency for Local Development and Employment has tripled in 2012 Social Microcredit their applications to finance viable business plans to people who can not access this funding through the normal channels, or by lack of collateral or credit history .
Thus, thanks to the collaboration agreement since October 2010 hold the City and Microbank La Caixa, can help reach a successful conclusion to those who choose self-employment to enter the labor market.
The first step is the presentation of projects in the ADLE, who advises entrepreneurs from the initial idea of them, going through the business plan and business model to the study of economic viability, commercial and financial the business project.
Then Microcredit is the Commission of the City of Cartagen a, formed by different Councillors with the involvement of the bank and coordinated by the Agency, who is responsible for reviewing the feasibility and the skills and experience of the promoters.
Once the project is approved by the Commission, is sent to Microbank La Caixa for final approval, the bank still has the last word.
Keep in mind that MicroBank has granted nationwide, 146,124 loans amounting to 908.6 million euros, being the only organization dedicated to the financing of business projects and business through microcredit.
The current conditions of microcredit are the following:
Maximum amount € 25,000, with maximum 95% of the investment.
The promoters should reach 5% of the entire project from own resources.
The term is 5 years, including 6-month grace period option.
The interest rate is 8.25% through the end of 2012.
The main benefit is that you require collateral or guarantees.
Those interested in starting a business project with difficulties of access to financial markets, please contact the ADLE, Charity Street 1, 30202, Tel 968 12 89 77 Fax 968 52 37 06.
EMAIL: adle@ayto-cartagena.es
Source: Ayuntamiento de Cartagena
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