Podstawowe zasady udzielania Pożyczki Regionalnej dla MŚP
Podstawowe zasady udzielania Pożyczki Regionalnej dla MŚP
Ogólne zasady udzielania pożyczek:
Pożyczki udzielane są w walucie polskiej.
Kwota pożyczki nie może przekraczać 1 000 000 zł.
Fundacja może obniżyć wartość pożyczki ze względu na realizację wskaźnika dotyczącego minimalnej ilości udzielonego wsparcia.
Maksymalny termin na wypłatę całkowitej kwoty Pożyczki wynosi 30 dni kalendarzowych od dnia zawarcia umowy Pożyczki.
Pożyczki mogą być udzielone na okres maksymalnie do 84 miesięcy (7 lat), licząc od momentu jej uruchomienia, tj. wypłaty jakiejkolwiek kwoty Pożyczki, do dnia spłaty ostatniej raty kapitałowo – odsetkowej.
Okres karencji w spłacie kapitału pożyczki nie może być dłuższy niż 12 miesięcy. Okres karencji nie wydłuża maksymalnego okresu spłaty pożyczki, określonego w ust. 4.
Wydatkowanie środków Jednostkowej Pożyczki Regionalnej dla MŚP musi zostać należycie udokumentowane w terminie do 180 dni od dnia wypłaty pełnej kwoty przedmiotowej Jednostkowej Pożyczki Regionalnej dla MŚP. W uzasadnionych przypadkach i na wniosek Pożyczkobiorcy termin 180 dni może uleć wydłużeniu, maksymalnie o 90 dni, ze względu na charakter inwestycji.
Inwestycja finansowana pożyczką musi zostać przeprowadzona na terenie województwa warmińsko‑mazurskiego.
W ramach instrumentu Pożyczka Regionalna dla MŚP, preferowane będą inwestycje:
wykazujące wpływ na rozwój inteligentnych specjalizacji województwa warmińsko-mazurskiego, tj.:
drewno i meblarstwo,
żywność wysokiej jakości,
ekonomia wody,
zdrowe życie,
wykazujące wpływ na oszczędność surowców i energii,
wykazujące wpływ na oszczędność emisji szkodliwych gazów do środowiska,
wykazujące wpływ na rozwój innowacyjności przedsiębiorstwa – Wnioskodawca do Wniosku o udzielenie pożyczki dołącza opinię wyspecjalizowanej zewnętrznej jednostki potwierdzającą, że inwestycja jest innowacją w skali przedsiębiorstwa,
realizowane przez podmioty działające na rynku nie dłużej niż 3 lata,
realizowane na obszarach o niskim poziomie aktywności gospodarczej,
realizowane na obszarach przygranicznych, tj. na terenie powiatów przygranicznych województwa warmińsko-mazurskiego: bartoszycki, braniewski, gołdapski, kętrzyński, węgorzewski;
realizowane na obszarach o wysokiej stopie bezrobocia,
przyczyniające się do tworzenia trwałych miejsc pracy.
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