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Few days ago the twenty Microcredit Commission of the City of Cartagena formed by the different councils with the participation of the bank La Caixa and coordinated by the Agency of Local Development and Employment (ALDE) where three business projects that were studied have difficulty occurred to access funding through the usual channels.

Business ideas consist of a local sports book café, a company and historical miniature items for souvenirs and a café bar.

The Agency for Local Development and Employment (ALDE) has conducted business counseling to these initiatives from the initial idea of the project, through the execution of the business plan and business model, to the study of the economic, commercial and financial viability of Business project.

Later business projects are sent to the Commission Microcredit City of Cartagena, where the economic, financial and commercial feasibility studies, as well as the ability and experience of the promoters

The Commission of the City of Cartagena Microcredit has approved three business initiatives that will be sent to Microbank La Caixa for final approval, taking the final decision the bank.

Since October 1, 2010, the City of Cartagena and the Caixa Microbank signed the cooperation agreement with the aim of financing viable business projects to people who can not access finance through the usual channels for lack of collateral or credit history The department advising entrepreneurs Agency for Local Development and Employment (ALDE) City of Cartagena has increased its funding requests through social Microcredit.

The current conditions of microcredit are:

Maximum amount to 25,000 euros maximum of 95% of the investment

The promoters should reach 5% of the entire project through its own resources.

The term is 5 years, including six months of optional deficiency.

The interest rate is 8.50% until the end of 2014.

The main benefit is that no real guarantees or collateral required.

Those interested in starting a business project but have difficulties in accessing the financial market can be put in contact with LOCAL DEVELOPMENT AGENCY AND EMPLOYMENT, STREET CHARITY 1 30202 CARTAGENA, TLF: 968 12 89 77 FAX 968 52 37 06, EMAIL: adle@ayto-cartagena.es

Source: Ayuntamiento de Cartagena