The managing director of Andalucia Emprende, Montserrat Reyes, and the director of Unicaja Bank’s Banca de Empresa, Salvador Navarro, have renewed the collaboration agreement between both entities so that entrepreneurs and companies supported by the Junta de Andalucía in their Andalusian Centers of Entrepreneurship (CADE) can access competitive financial resources and services in advantageous conditions for the development of their projects and business and professional activities.
The agreement signed will allow entrepreneurs who want to start a business idea or consolidate an existing company, after being advised by Andalucía Emprende and have a technical report to ensure the viability of the project, can hire any of the resources, products or services of Unicaja Banco that contemplates this agreement.
The signing of this agreement also includes the joint performance of actions aimed at promoting the financial education of this group, to facilitate decision-making and improve the development of their activity, which will include the collaboration between both entities for the development of informative days and formative.
This collaboration agreement highlights the commitment of both institutions to cooperate together to promote and support entrepreneurial talent and job creation in Andalusia, optimizing existing public-private resources to facilitate entrepreneurship.
FINANCIAL PRODUCTS AND SERVICES
The offer of financial products and services that, within the framework of the agreement signed, Unicaja Banco offers entrepreneurs and entrepreneurs advised by Andalucía Emprende is divided into two large blocks: ‘Start Financing’, for products and services aimed at the start of new projects business and ‘Consolidation Financing’, for products and services aimed at companies that are already in operation.
In the first block there is a ‘Line of Microcredits’ to promote self-employment through the granting of small loans (up to 25,000 euros) to launch viable business projects, being able to finance up to 90 percent of the project presented, and ‘First Company Loans’, of up to 18,000 euros and 80 percent of the investment, intended for individuals and legal entities that prove the start of the business activity within the twelve months prior to the formalization of the loan.
In the second block, there are the following services and investment products destined to ‘Companies’: credit payments of Unicaja Bank, loans for working capital, Unicaja Confirming, foreign trade line, financing of imports and exports in euros and foreign exchange, mortgage guarantee, loan personal guarantee, furniture leasing, acquisition of premises, offices, industrial buildings and other purposes, real estate leasing.
Likewise, the second type of financing called ‘Entrepreneurship’ is included in this block, aimed at the implementation of large business projects companies that collaborate with Andalucía Emprende, with the following investment products: credit payments of Unicaja Bank, loans for working capital, Unicaja Confirming, foreign trade line, financing of imports and exports in euros and foreign exchange, mortgage guarantee, personal guarantee loan, furniture leasing, acquisition of premises, offices, industrial buildings and other purposes, real estate leasing, Sasa S payday loans online no credit check direct lenders.
Andalucía Emprende is an entity of the Junta de Andalucía, attached to the Counseling of Knowledge, Research, and University, whose main mission is to promote an entrepreneurial culture and business activity in the region through the provision of support services for entrepreneurs and entrepreneurs who help in the Start-up and development of your business ideas.
For this, it has 262 CADE and 57 information points, which cover one hundred percent of the region, through a qualified technical team of specialists in business creation and development that provides, among others, assistance services, technical advice qualified, training and mentoring to help entrepreneurs and entrepreneurs in the start-up of new companies and in the development and consolidation of existing ones.
In addition, it offers a business accommodation service in industrial buildings or offices, which allows entrepreneurs to have a space in which to develop their activity for a certain time, with the permanent support of the specialized technical staff, who accompanies them throughout the creation process and Business development.
Unicaja Banco is a financial entity that is present in those sectors that are basic pillars of the economy. Its support for the company is part of its drive to territorial economic development, also articulated through a wide range of specific agreements with different groups.
In addition, it acts on credit lines and microloans under preferential conditions to facilitate financing for the activity of SMEs, micro-enterprises and the self-employed within the framework of sectoral agreements and with various public institutions.