Business Financing

UNSECURED LOAN FOR BUSINESSES

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The Unsecured Loan for Businesses is aimed at capital companies looking to realize their investment programs and in need of support. Our offer dedicated to businesses enables personalized medium to long-term financing solutions guaranteed by the Guarantee Fund for SMEs of the Ministry for Economic Development (law 662/96), and formulated based on a careful analysis of the credit needs of the entrepreneur. We support businesses in growth and consolidation, collaborate with management, participate in value creation, and support competitiveness needs. Requesting financing for your company is simple, fast, and convenient.

• Competitive Rates: Our rates are in line with those of the reference market.

• No Real Collateral: The financing does not require the acquisition of real guarantees.

• No Opening of Current Account: It will not be necessary to open a new current account; we will disburse to the current account you have indicated.

• No Additional Costs: No additional costs are required, and the issuance of the guarantee by the Central Credit Mediation is free.

• Free Access to "Nuova Sabatini": In the case of financing requested to implement investments in instrumental assets, it will be possible to take advantage of the tax benefits arising from "Nuova Sabatini" free of charge.

BUSINESS FINANCING WITH SACE GUARANTEE (for INTERNATIONALIZATION)

This is a medium to long-term unsecured financing that can only be used to support costs and investments destined for the development of activities related, preparatory, or instrumental to the internationalization process of your company.

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Main characteristics of the financing:

• Maximum disbursable amount: 5,000,000 Euros

• Duration: from 24 to 120 months, with an amortization plan aligned with fixed quarterly deadlines.

• Rate: Variable

• Guarantees: Financing supported by SACE Guarantee to cover credit risk related to non-repayment of the financing Who can apply: Italian capital companies active in foreign countries with direct investments (joint ventures, mergers and acquisitions, partnerships) or indirect investments, or with investments in research and development, expenses for the renewal and enhancement of plants and machinery, for the protection of trademarks and patents, for participation in international fairs and promotional expenses, in foreign countries. Company characteristics:

• Turnover up to a maximum of € 250 million of which at least 10% abroad;

• Legal headquarters, research, development, commercial management, as well as a substantial part of the production activities, in Italy; the company must also have significant activity abroad (condition satisfied if the ratio between export turnover and total turnover of the company, resulting from the last available approved balance sheet, is greater than 10%).

• Preliminary Outcome in 24 hours

• Safe and Reliable Support

• Over 150 companies financed