SME Innovates.

The Madrilenian Institute of Development, IMADE, starts up through Program SME INNOVATES, different Tables from Innovation that they persecute by means of the transference of knowledge, to implement and to increase the efficient use of the innovation between the Madrilenian companies.

ALTERNATIVE SOURCES OF FINANCING FOR SMES + PRODUCTS AVALMADRID

In a market more and more globalized and abierto, the SMEs find limitations of development and competitiveness due to the weakness of their financial structure.

• Greater difficulty of access to the financing in the long term
• High associated costs to other people's resources
• Great dependancy of the credit organizations
• Shortage of guarantees that can offer
• &

In addition, before a crisis of liquidity like present, the SMEs they need to strive to find resources alternative that they allow him to finance its enterprise activity without incurring high financial costs.

Considering this necessity, we invited to participate to him in this table of innovation where one will be aspects related to the financing such as types financial instruments, banking negotiation, financial ratios as well as the access to the financing through AVALMADRID and the commercial and technical advantages that contribute their different types of endorsement from the SMEs.

The attendance is gratuitous, you can find the information and the calandario of celebration of the tables in IMADE detailed

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Plan Advances 2.

The first Plan Advances suposo to dedicate of more than 5,000 million Euros between 2005 and 2008 on the part of the Ministry of Industry, Tourism and Commerce, through the Secretariat of State of Telecommunications and for the Society of the Information.

With the aim of strengthening the landmarks reached in the scope of It advances, has defined the Avanza2 Plan, in the budgetary context of the year 2009, that after the evaluation of the reached results until now, reinforces certain strategic lines.

From nowadays 18 in Madrid Plan was come upon presentment Advances 2

It unloads the Detail

Source: Red.es

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Now it is called on to criticize

So that it serves the European Week as the SME?  ?

Really these calls only serve to spend million Euros of unproductive form what sense must record a video, in the style of work schoolboy ?

It is not to duplicate the Day of the Entrepreneur? These are the F.A.Q that they publish.

It would more be worth to destine those economic resources to the micro-enterprises, IF, those that autoemplea the holder and has one or two employees. It is that most of the European enterprise weave is thus.

By the way the video of the main page, that this above to the right, is than ridiculous more and above will have cost about thousands of Euros.

I want to see the video

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Again the Day of the Entrepreneur

They are already organizing the days “Day of the Entrepreneur”.

In these encounter, that go or by his fourth call, you can share knowledge, experiences and testimonies, through directed activities to harness the creation of companies, its consolidation, internationalization, improve its level of competitiveness or the use of the new technologies, among others.

The autonomic and local administrations organizing through different organizations, the Day of the “Day of the Entrepreneur” in their respective territorial scopes collaborate.

All the Days are celebrated in the same month, this year will be in May, under a motto and common image. One is an initiative of the Ministry of Industry, Tourism and Commerce, through the Main directorate of Policy of PYME (DGPYME).

It looks for your Day here

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Line ICO 2009.

By the importanica of the subject we want to remember the entrepreneurs who are available Lines ICO 2009 of Support to the Company: Entrepreneurs, SME, Enterprise Growth and Internationalization, who frame within the Plan for the Stimulus of the Economy and the Use.

Line ICO-PYME increases its budgetary grant up to 10,000 million Euros and each industralist will be able to dedicate until 40% of the obtained credit to complementary financing to the investment in fixed assets that carries out.

Of 10,000 million Euros is created new line to finance circulating.

A moratorium of a year is granted to the companies that are paying a credit of line ICO-SME.

You do not let pass the opportunity.

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Program of Aid to Comercio and Hostelería

Program of aid of the Chamber of Commerce of Madrid for Commercial Companies and the Hotel trade 2009.

Descárgate the Program here

Descárgate the Request here

SUMMARY

Object

To support the projects of investment of commercial companies of the Community of Madrid, the complementary hotel trade and services of the commerce for the modernization of its establishments and the incorporation of new technologies.

Term of presentation

The program will be effective from the 16 of February to the 31 of March of 2009, being able to close previously in case they exhaust the bottoms available.

Beneficiaries

a) That they develop his activity and they realize the investment in located establishments in the Community of Madrid.

b) That its enterprise activity is including within the following sectors:

- Commerce retail of nutritional products, drinks and tobacco, realized in permanent establishments.

- Nonnutritional industrial product Commerce retail realized in permanent establishments: textile, footwear, skins, drug store, cosmetic perfume shop and, plants and herbolarios, furniture, electric home appliances, household, ironworks, adornment, gift, construction equipment, do-it-yourself work, terrestrial, aerial, fluvial and marine vehicles, used machineries, accessories and spare parts, goods, musical instruments, works of art and antiques, furniture and machines of office, optics, orthopaedics, photograph, bookstore, stationery store, newspapers, jewelry shop, toys, sports, arms, flowers, plants, small animal.

- Service of feeding: restaurants, cafeterias, bars, kiosks, chocolate factories, ice-cream shops, horchaterías.

- Repairs.

- Travel agencies.

- Real estate Activities.

- Rent and sale of video films.

- Bath and baths.

- PS: dry cleaners, cleaning and dyeing of footwear, mended and repair of clothes, hairdressing salons, institutes of esthetic, photograph, you photocopy, enmarcación.

- Gardens of recreation.

- Inns, pensions, boardinghouses and houses of guests

- Sport Facilities

c) That this activity enterprise, corresponding to the indicated sectors in the previous section, is in the following groupings in the Tax of Economic Activities: 641, 642, 643, 644, 645, 646, 647, 651, 652,2, 652,3, 652,4, 653, 654, 656, 657, 659,1, 659,2, 659,3, 659,4, 659,5, 659,6 and 659,7, 671, 672, 673, 675, 676, 682, 683, 691, 755,2, 834, 856,2, 942,2, 967,1, 967,2, 971,1, 971,2, 971,3, 972,1, 972,2, 973, 975, 981.2.

d) Also they will be able to choose to these aid, companies that carry out any other commercial activity or of services when the object of the SME is the integration of people with incapacity, and its activity complements the commercial supply or of services of the area in which Integra.

e) That they have 250 workers less than and they have a volume of business nonsuperior to 50.000.000 annual Euros, corresponding to the enterprise activity, according to the last declaration of the Tax on the Rent of the Physical People or, where appropriate, of the Tax on Societies; that tie or they are not participated by companies that do not satisfy the requirements previous, and that have a useful surface to the exercise of the activity 700 inferior to m2, excluded the technical and analogous warehouses, toilets, offices, cameras, premises.

f) That they are, where appropriate, to the current of payment of the Permanent Congressional Resource and of any other debt contracted with the Camera.

- They are excluded from the program of aid, the given companies that carry out their activity of discharge in the inscriptions of the Tax of Economic Activities not including in point c) previous, with the reservations established in point d).

Action and investments object of the program

 1. - Investments will be considered object of support through present program, the actions that suppose the incorporation of the new technologies to the management of the company and/or a new product or service to the final consumer, and those that supposes an effective modernization of the physical structures of the establishment or its equipment, and the incorporation of new formulas of sale or service, as well as singular equipment that promote the security and the suppression of architectonic barriers. In any case, to accede to these aid it will be necessary that the investment supposes a project of modernization and invigoration of the establishment. The investments will have to go directed a:

a) The acquisition, installation and assembly of specific computer science and/or technological equipment for the enterprise management, including the investment in programs and the formation of users.           

b) The acquisition, installation and necessary assembly of specific equipment and specialized personal property for the development of the activity, as well as the necessary one for the power saving and to guarantee the security of the establishments.

c) The work accomplishment or reforms that suppose a new implantation or transformation of the establishment in which the enterprise activity for its modernization, extension, reorientation of the business is exerted or destined to promote the accessibility or suppression of architectonic barriers.

The acquisition of goods of second hand will not be aid object, with the exception of the assumptions of business crossing that takes prepared the transmission of specific equipment for the continuation of the activity, and in those cases in that is properly just this acquisition.

2. - They will be able to take refuge in this program, according to the arranged thing in previous point 1, the investment projects that have a cost superior to 1,000 Euros and inferior to 15,000 Euros.

Period of accomplishment of the activities

The susceptible activities will have to be executed in pèriodo included between the 1 of November of 2008 and the 31 of October of 2009.

Quantity of the aid

1. - The aid will be able to reach to the 50 percent of the budget accepted and approved by the Chamber of Commerce and Industry of Madrid, IVA excluded (safe in the case of physical people welcomed in the special regime of the surcharge of equivalence, or that is free of this tax), with the maximum limit of a project corresponding to an establishment by beneficiary.  

2. - For the determination of the quantity of the aid the following criteria will consider:

a) Until a 40 percent in SMEs that meet the condition of beneficiary in the terms set out in the present program and realize the activities object of aid according to the established thing in him.

b) 10 additional percent in case of grouping or integration of the applicant in some association of enterprise character, or in the case of incapacity of the holder of the company, according to the arranged thing in the effective norm in the matter.

3. - The definitive quantity of the paid aid will calculate based on the justification of the investment realized and contributed to the Camera.

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Insurances Against Unpaid debts

If or it is difficult to start up a business or company, we were with the risk certain to undergo unpaid debts and not only in these times of crisis.

For that reason we would have to heft the convenience “of assuring” our collections. Companies or organizations dedicated to the “insurances of credit and caution” exist in Spain multiple.

 It is a participated Joint-stock company mainly by the Spanish State, and the main banks and insuring companies of the country. Its activity is to assure as much to the companies of the risks of non-payment derived from the sales from its products and services in the inner market as in the outside.

Within the products that offer we emphasized those of Credit and those of Caution, being advisable to know in what consists:

• What is an insurance of Credit?

One is an insurance by means of which the company is on credit cover against the risk of inherent non-payment to all the sales that carry out to the set of their clients. Geralmente allows to cover the sales with goods and services that nonsuperior to a year on credit realizes with victory.

• What is the insurance of Caution?

This modality of insurance is designed for those companies that need to guarantee the fulfillment of the obligations assumed before a third party (public or prevailed), as a result of the development of its activity. Normally it guarantees to the Taker of the insurance or Contractor before the Central, Autonomic, Local Administration, etc., or before the deprived sector, of the economic responsibilities that him can be demanded as a result of the breach of the guaranteed obligation, or by legal or contractual disposition between the parts.

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To undertake with Energy

At this point nobody we doubted the necessity of the substitution of the energies derived from petroleum by others more cleanings and most important, inexhaustible.

It is in the Renewable Energies where still we can find business opportunities. The Idea    started up the Plan of Renewable Energies 2005-2010, still in force. As planned in the Plan, 12.1% of the global consumption of energy in 2010 will be supplied by renewable sources, contributing to the production of 30.3% of the gross consumption of electricity. The biocarburantes will contribute to a 5.83% of the consumption of gasoline and gasohol for the transport.

An important part of the Plan is the Financing by means of diverse types of activities:

1. Line of Loans Devises: it is a modality of support to the Renewable Energies through a line of financing to 11 years with first of deficiency, (euribor interest + 0.30%) for projects of thermal, photovoltaic energy solar isolated and domestic biomass as well as facilities of co-generation.
2. Line of Endorsement for the Line of Loans Devises: with the purpose of to serve as support to the management on the part of the applicants of the Line of Loans of Idea, and before the difficulties so that the borrowers secured necessary endorsement for the Line of Financing, Agreements with five financial organizations have been signed to facilitate the access to the loans of the Line.
3. It counts Deposit Devises: new program of the Idea, in collaboration with two banking organizations: Banesto and Santander, to stimulate investments in projects of Efficiency Energetics and advantage of the Renewable Energies by means of the constitution of deposits of saving remunerated to a type of interest of 7% annual noun.
4. The Financing by Third parties (F.P.T.)
5. Financing of Project and Renting of Services.
6. Other financial participation of Idea in power projects.
7. Program of aid to strategic projects: One is new line of support of Idea to the financing of projects of saving and efficiency energetics. The Program frames in the direct activities of Idea of the Plan of Action 2008-2012 of the Strategy of Saving and Efficiency Energetics in Spain (2004-2012).

In the Web of the Idea you can find ample information exceeds how to invest, quartering companies and types of effective aid.

To invest in Renewable Energies already is the investment of the present.

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