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Accounts Frequently asked questions about corporate financing
Everything about credit for Companies
The main types include commercial real estate financing, personal loans for entrepreneurs, credit lines, leasing, factoring, microcredit, and venture capital financing.
Short-term credit is typically used to finance immediate needs, with repayment periods ranging from a few months to up to one year. Long-term credit, on the other hand, is meant for larger investments, with repayment periods that can span several years.
Microcredit is a form of small-scale financing, typically aimed at entrepreneurs who have difficulty accessing traditional credit. It is ideal for starting or expanding small businesses.
Leasing is a contract that allows businesses to use an asset (such as equipment) with monthly payments, without needing to purchase it. This helps preserve capital and can offer tax benefits.
Mutual guarantee lines for SMEs
Mutual guarantee lines are instruments that provide financial guarantees to SMEs, making it easier for them to access credit from banks.
Mutual guarantees are issued by entities like the Mutual Guarantee Society, which cover part of the loan, reducing the risk for banks.
SMEs that are financially stable but lack enough collateral to secure credit from banks.
European financing lines
The EIB (European Investment Bank) and EIF (European Investment Fund) financing lines are programs aimed at supporting SME financing in Europe, providing favorable conditions for accessing credit.
The EIB and EIF aim to drive economic growth, foster innovation, and support job creation by providing accessible financing to SMEs.
SMEs from various sectors that meet the eligibility criteria set by the financing programs, usually related to the company's size and the project's feasibility.
