The SME Plafond is intended for financing investments, to be implemented or in progress, and to increase the working capital of SMEs
Companies operating in Italy with less than 250 employees, full-time equivalents, may use the Plafond, regardless of turnover and balance sheet assets, according to the definition of SME specified in the agreement.
Non-autonomous SMEs are also eligible for financing, provided that the number of associated / linked employees is less than 250 units.
The loans granted by the banks through the SME Plafond can benefit from a public or private guarantee. In the event of a public guarantee (for example, Central Guarantee Fund for SMEs, SACE or ISMEA) CDP offers a specific supply line.
There is no limit on the loan amount for SMEs, except for those intended for internationalisation activities, which cannot exceed the amount of 15 million euros per unit
It is possible to use the SME Plafond also in the form of financial leasing.
Restructuring of previous debts are excluded.
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