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.
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.
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.
The instrument provides:
A specific agreement between CDP, Ministry of Economic Development and ABI, "CDP-ABI-MiSE Agreement (coordinated text)" can be found in the Related Documents area. This sets out the guidelines and application rules for the use of the funds.
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.
Each Lender using CDP's funding must provide adequate publicity for the initiative, both in its own branches and through the paper /internet-based advertising. Furthermore, in response to the requests made by the SMEs, the Lenders are required to inform customers of the existence and conditions of the products that make use of the CDP funding.
The Lenders guarantee access to their preliminary inquiry processes to all SMEs throughout the country of operation, without any discrimination. In principle, the final conditions applied to SMEs must take into account the cost of the funding made available by CDP, without thereby prejudicing the assessment of the conditions applied to Capital Goods Loans. In each loan agreement it must be specified that the transaction was carried out using the provision made available by the CDP, indicating its cost and its duration. Information on the origin of the supply must be repeated, as long as it exists, in all periodic communications to SMEs concerning existing loans.
The contracts relating to the Loans for Capital Goods must also expressly provide for the transfer as guarantee of the credits in favour of CDP.
At the Ministry of Economic Development
At participating banks and financial intermediaries (see list in the "Related documents" section)
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