Plafond Beni Strumentali | CDP

Capital Goods Plafond

Loan granted by CDP through the banking channel for the purchase of capital goods by companies

Who it is aimed at?

Micro, small and medium enterprises that operate throughout the national territory, in all productive sectors, including agriculture and fishing. Companies must be active, registered in the Business Register and comply with legal requirements.

How does it work?

CDP supports the financing of SMEs through the banking channel for the purchase or leasing of machinery, plants, capital equipment and new production equipment (ordinary investments) and the purchase or leasing of new plants, machinery and factory equipment, aimed at making investments in digital technologies and in waste tracking and weighing systems.

  • Goods for financing: purchase or leasing of machinery, plants, equipment and capital goods, as well as investments in hardware, software and digital technologies and investments in digital technologies, waste tracking and weighing systems.
  • Borrowable amount: from a minimum of € 20,000 to a maximum of € 4,000,000 for each beneficiary SME, this can be split into several investment initiatives.
  • Duration: up to 5 years.
  • Financing arrangements: the SME submits the loan and contribution application via PEC (which can cover up to 100% of the investment cost) to one of the participating institutions. Once the contributions from MiSE have been approved, the chosen institution approves the financing, specifying if the activity is valid for the specific provision of CDP. The loan is paid to the SME in a single transaction, within 30 days of the signing of the loan contract. In the case of lease-finance, the funds are paid within 30 days of the date that the asset is delivered, or date of testing, if later.

The terms and conditions of the Loans for Capital Goods are negotiated and determined by the Lenders independently without any influence on the part of CDP. The Lenders examine the requests and consider the possible granting of the loan, with the assumption of risk, observing the regulatory obligations deriving from or connected to the granting of the Loans for Capital Goods.

For capital goods loans granted by CDP, that benefit from a public guarantee (for example, Guarantee Fund for SMEs, SACE or ISMEA), CDP offers a specific line of funding, with capped market conditions.  

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