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1. National Microcredit Program (“Sou Mais”)

This measure is developed through a partnership between António Sérgio Cooperative for Social Economy (CASES) and the IEFP.

Consists in supporting business creation projects promoted by people who have special difficulties in accessing the labor market and are at risk of social exclusion through a small amount of funding, the maximum investment limit and financing is 20,000 €.

This program features the same conditions as the Credit Microinvest Line, under the Support Programme for Entrepreneurship and Self-Employment Creation, promoted by IEFP. It is a line of credit to investment guarantee and interest rate subsidy.

DNA Cascais supports the entrepreneur in preparing the business plan with a view to applying for the program.
Learn more at IEFP and SOU MAIS

2. FINICIA Program – Credit Solutions with Mutual Guarantee

Aimed at Emerging Small Scale Projects. The cases in which the project is intended basically, that at this stage the local or regional markets, is close to the market and provides stable sales so start marketing.

Projects promoted by companies being created or up to 4 years of activity, and initial investment needs up to 250 thousand euros, can benefit from:

A. Bank loan (Early Stage line of credit) for financing needs between 25,000 € and 200,000 € at most 85% of their investment needs.

B. Microcredit for financing needs up to 25,000 €.

Applications are submitted in one of the banks filed with IAPMEI.

DNA Cascais supports the entrepreneur in preparing the business plan with a view to submitting the application to the program.
Learn more at IAPMEI

3. Line SME Growth – Credit Solutions with Mutual Guarantee

It offers 4 specific lines:

A. Line “Micro and Small Enterprises”

Operations to new investment in tangible or intangible fixed assets or strengthening of working capital or fixed capital, Micro and Small Businesses with turnover of less than EUR 10 million and two years of positive results in the last four years.

Micro Businesses – up to 25,000 €

Small Business – up to 50,000 €

B. Line “and Working Capital Fund”

Operations to new investment in tangible or intangible fixed assets, the acquisition of companies that complement the activity or strengthening of working capital or fixed capital.

PME Leader – up to 1,500,000 €

Other – up to 1,000,000 €

C. Line “High Growth Companies”

Transactions intended solely to strengthen the working capital or fixed capital, companies with at least three years of full activity and a turnover of more than € 500,000, not being micro enterprises have registered in the last two years an accumulated growth turnover of 20%.

PME Leader – up to 1,500,000 €

Other – up to 1,000,000 €

D. Line “Commercial Credit the Exporters”

Operations intended exclusively to finance the cash requirements of companies which export at least 10% of their turnover or a value greater than € 100,000.

Commercial credit to exporters – up to 1,000,000 €

DNA Cascais supports the entrepreneur to optimize the business plan with a view to submitting the application.
Read more

4. bank financing solutions to support the creation of new companies and businesses, developed by various financial institutions.

DNA Cascais suggests that entrepreneurs make the request from banks in order to understand what is the solution that best fits your project.

DNA Cascais supports the entrepreneur in preparing the business plan with a view to presenting the project to the selected financial institution.