Through this call for the Lombardy Region to support, promote and encourage people to start their businesses, by providing soft loans, interventions for the opening of new businesses, self-employment and independent with particular regard to initiatives proposed by youth, women and disadvantaged people.
The contribution is restricted to persons who, at the date of application shall meet the following requirements:
1.Nuove established enterprises in the form of partnerships and / or capital made up for 2 / 3 by young people aged 18 to 35 years of age and / or women and / or disadvantaged which must hold at least 2 / 3 of the share capital of the company.
The newly formed company will be owned by legal persons, with different requirements from beneficiaries, provided that the participation rate of these does not exceed 25% of the capital.
For new companies formed as a company, there are no exclusions of sectors other than those excluded under the law "de minimis" force.
2.Nuove individual entrepreneurs and family businesses operating exclusively in the manufacturing sector classification ATECO 2007 C and services to companies and people Ateco 2007 classification L, M, N and S96;
3.New Studies associations and societies Professionals working in technical fields of scientific classification ATECO 2007 M 71 and 71.2;
4.Nuove established enterprises as a result of spin-offs (made up of university and with the participation of universities);
5.Nuove enterprises allocated at business incubators;
6. New firms in the services sector child-care classification ATECO 2007 88.91 Q.
not include areas covered by existing legislation, regulation EC 1998/2006 of 15 December 2006 under "de minimis".
For companies referred to in paragraph 2, 3, 4, 5, 6, has not prompted the requirement of 2 / 3 of point 1.
7.AV headquarters active in Lombardy;
8.Essere recorded at the Registrar of Companies by no more than 12 months after the date of application (as documented by the date of electronic transmission). For group practices not listed in the Register of Companies shall be deemed to twelve months from the date of the deed of constitution.
Financial Assistance will be provided for a share of 70% by the Fund and the remaining 30% means of the banks affiliated with the Management Authority.
The investment cost ranges from a minimum amount to no more than € 15,000.00 and € 30,000.00 for individual companies and professional associations which may be increased to € 150,000.00 for the types of company (company of people and capital).
interventions take the form of funding which will cover up to 80% of eligible investment in the medium term period of at least 3 (three) years and not more than 10 (ten) years, with a period maximum grace period of 2 (two) years.
The loan repayments will normally semi-annual installments of principal and interest.
The rate on the recipients will be equal to the weighted average rate charged to the Fund and the interest rate in respect of the resources made available by the credit agreement.
The rate applied to financial assistance by means of the Fund will be reduced to 0.1% nominal per annum, the rate applied in respect of the resources made available by the credit will be equal to the monthly average 6-month Euribor plus 1.25 percentage points.
rate charged and the share of assistance may be changed by decree of the General Directorate for Industry, SMEs and cooperation to changing market conditions and on the basis of monitoring data. The guarantees required
beneficiaries are members' personal guarantees of entrepreneurship and / or guarantees to third parties and / or other forms of security of its finances.
The concessions are subject to legislation "de minimis".
Investment must be made in Lombardy and is to be accomplished within 12 (twelve) months from the date of grant of subsidy for the regional decree.
The investment means made of the same object if the property has been delivered and the cost has been fully invoiced to the requesting company, even if not paid. In the case of immaterial goods is sufficient that it was entered into separate supply contract.
are eligible costs, excluding VAT, incurred after the date of filing the application listed below: •
costs for technical and engineering point of the building site of activity;
• Purchase of capital equipment and new used, provided that revenues arising from suppliers and industry;
• Lower startup business franchise (entry fee). These costs can not exceed 50% of the total investment planned and provided;
• Expenditure planning and implementation of a corporate website;
• Rental of office premises of the initiative for a year of operation and up to a maximum 20% of eligible;
• Purchase of vehicles strictly necessary for the performance of the production cycle (excluding the means to engage in road haulage), new or used;
• Stocks not more than 10% of permissible
• Purchase of assets of existing companies operating exclusively in the manufacturing sector.
not eligible for purchase of existing assets whose act provides for forms of rescheduling and / or retention of title;
If one or more members of the applicant are also shareholders of the transferor, the cost of purchase, the for assistance, shall be reduced in proportion to the shares held by them in yours;
• Licensing of economic exploitation, patents, software.
The provision of funding will be made as follows:
- a 50% financing after the measure's approval by the Lombardy Region and the Institute of Credit, subject to declaration by the beneficiary with self-certification, certifying the achievement of 30% of the investment program. To this end, beneficiaries are required to guarantee which guarantees members' personal entrepreneurship and / or guarantees to third parties and / or other forms of guarantee in respect of the funding;
- the remaining 50% share of the balance of investments, following statement on special forms, made by self-certification, attesting to the final realization of the investment program.
Payment of the funding is still subject to a commitment by the recipient to document, within 30 (thirty) days from the expiration of the 12 (twelve) months from the date of the regional measure to grant, the realization of the investment.
Please note that this is a measure "to counter" the questions will be eligible for up to exhaustion of available resources. At today's date of publication of this card is still operational tool for the existence of funds.
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