Portal de Cartagena
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The bank Caixa's social projects approved Wednesday Maxwapa Make Up Shop, dedicated to the sale of cosmetics, and Juan Manuel Corbalan, for the sale of all kinds of birds, presented by entrepreneurs through the Agency
Microbank, the office of the Caixa bank, on Wednesday approved business projects studied in the fourteenth Microcredit Commission of the City of Cartagena, which were sent by the ALDE, based on the cooperation agreement signed between the two entities.
Specifically there are two approved projects Maxwapa Make Up Shop, dedicated to cosmetics, and Juan Manuel Corbalan, which focuses on the poultry sector.
The first is a franchise dedicated to the marketing of cosmetic products Low-Cost, striking on the price but the quality of prioritizing them.
This allows merging business selling cosmetics with all kinds of beauty related services: manicures, makeup, pedicures, etc.., With an initial investment of 20,000 euros and have requested funding of € 14,000 has been approved.
Based on the feasibility study is expected to return on initial investment will occur in the first year of activity, given a pessimistic scenario in sales.
This business is located in San Fernando, No. 26, corner of Calle San Esteban Cartagena.
The other project, Juan Manuel Corbalan, is a retail store that sells all kinds of birds, as well as items related to them, such as cages, feeders, toys, care, feeding, etc..
At the same time have a dog grooming service and the sale of items such as collars, leashes, dog grooming items, food.
This project has an initial investment of 11,150 euros and has requested funding of 10,150 euros.
The business will be located at 13 Ruby Street, Urb Mediterranean 30310, Cartagena.
In both cases, the Local Development Agency and Employment is committed to monitoring and business advice and financial support for the consolidation of the company.
These business initiatives have been approved by the Social Microcredit Line Microbank aimed at entrepreneurs who have difficulty accessing the traditional credit system due to lack of credit history or their lack of collateral.
The conditions to apply for a microloan of La Caixa, the conditions are:
Purpose: Home, consolidation or expansion of micro-autonomous business and economic initiatives and freelancers.
Occasionally it may finance capital.
Beneficiaries: Individuals with a project of self-employment, self-employed with a yearly income of 60,000 euros; Legal person.
Micro (less than 10 employees).
Amount: Up to 25,000 euros (with a maximum of 95% of investment)
Frequency: Monthly.
Period: 60 months including 6 months of default option.
Interest rate: Up to 31.12.2013, 8.25% from 31.12.2013, in accordance with the Third Covenant described in the Convention.
Warranties: No collateral.
Requirement: Have a business plan and a feasibility report favorably by the entity.
Source: Ayuntamiento de Cartagena
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