MIGUEL ORLANDO ALGUERO
THE COUNTRY | MANIZALES
In June 2020, the Manizales Chamber of Commerce, the Lúker Foundation and Finanfuturo presented the Reactivarte credit line, which seeks to help microenterprises in the midst of the crisis. For this year this initiative will bring more benefits and facilities.
The objective is to provide lifesavers for microentrepreneurs with this preferential line, with a lower interest rate. The goal is to finance their business needs caused by the economic effects that the pandemic has generated.
510 credits have been disbursed for a value of $ 4.77 billion, as of March 19, with a greater presence in Manizales, Villamaría, Riosucio, Supía and Aguadas.
Access
According to the agreement, microenterprises located in the 18 municipalities of Caldas under the jurisdiction of the Manizales Chamber of Commerce can access, in addition to having assets of up to $ 454 million 263 thousand.
Entrepreneurs may request a minimum quota of $ 878 thousand. The loan will be made to buy raw materials, pay the payroll of its employees, leases, suppliers or buy machinery and equipment, among others.
The maximum amount for each entrepreneur will be determined by the study carried out by Finanfuturo, according to the ability to pay, their level of debt and sales.
In addition, with access to credit they will have the opportunity to receive advice from Finanfuturo experts that will contribute to growth, strengthening and sustainability.
The three entities explained that the conditions are maintained for the entrepreneurs who apply, they will have a period of four months of grace and 24 months to finance the loan.
Fees
Marta Ligia Serna López, innovation management leader of the Manizales Chamber of Commerce, member of the credit line team, specified from last year until December the award expectation is $ 15 billion. He recalled that Reactivarte is part of the Manizales and Caldas Responden strategy, with resources from Bancoldex.
“The alliance of these three entities has a great benefit, which subsidizes the interest rate of the credit, since loans for small entrepreneurs or microfinance in traditional banks have a rate of up to 3.75%, that of Bancoldex and the Fund Guarantees is between 1.5% and 2.8%, while Reactivarte will reduce it between 1% and 2.3%. This is the effort that microentrepreneurs have to do for disbursements, ”explained Serna López.
Requirements
* Having at least one year of being registered in the Manizales Chamber of Commerce, applies to both the merchant and the establishment.
* Have completed the business renewal process, under the terms established by law, at the time of receiving the credit.
Keep in mind
* The interest granted is variable depending on the conditions of each entrepreneur, and is part of the result of the study carried out by Finanfuturo.
* At the time of applying, it is recommended that entrepreneurs properly calculate the resource they are going to request, since it is not financially healthy to take more money than is required.
* Finanfuturo is in charge of the logistics and operation of the credit, that is, it carries out the study of the credit and determines the amount, or if it is granted or not.
If you want to access the credit or know someone who is interested, you can obtain more information by calling (6) 8841840, extensions 115 for companies in Manizales and 232 for the other municipalities of Caldas.
Who is it for?
To microenterprises in Manizales and municipalities under the jurisdiction of the Manizales Chamber of Commerce (Aguadas, Anserma, Aranzazu, Belalcázar, Filadelfia, La Merced, Marmato, Marulanda, Neira, Pácora, Riosucio, Risaralda, Salamina, San José, Supía, Villamaría and Viterbo).
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