Loans at 0 km for small businesses in favor of families – Business loan
Small businesses always in liquidity crisis, with the credit crunch of the banks that favor large companies instead. A breath of fresh air can only come from the private investments of the closest people: relatives and friends. Here is the loan at km 0, the one that is fished in the informal network of relatives and friends, suppliers and collaborators, informal financial channels that have spread with the crisis and that, if regulated, “could become a vehicle for territorial mutuality”. Visit badcreditpaydayloansrhpsd.com for a summary
After food, loans at km 0 arrive
It is the solution proposed to the Government by the CNA (National Craftsmen Confederation), to which it asks for the creation of a regulatory framework that regulates – and favors – direct investments by the circle of knowledge of the entrepreneur. For the Confederation of Crafts we need «a turning point in the financial policy of and for small businesses because the crisis has shown that treatment with traditional medicines is no longer enough. Something new must be invented ».
Zero-mile finance with incentives for friends, relatives, partners, suppliers and employees who invest in companies
According to the president of Cna Daniele Vaccarino, a solution could be to draw on ” zero-mile finance with which private individuals and relatives can finance the companies, and in some way entering the capital of the company without being partners or managers, finding an advantage ». The financing by the banking channel is in fact increasingly inaccessible to banks because “they do not trust small businesses or because, as the CNA has analyzed, it is not convenient from an economic point of view to make credit operations for an amount around or less to the 30 thousand USD. “.
A law is therefore urgently needed to incentivize financial instruments aimed at supporting the capitalization of companies. It is not enough, the artisans also argue – to incentivize financial instruments aimed at supporting the capitalization of companies (equity guarantee) to reduce the income tax deriving from the financing of risk capital and to introduce the corporate income tax (IRI) to reward those who invest in their own company, aligning the rate of income left on the farm with that of corporations. The CNA plan provides for a total of 12 proposals (including a new digital bank model accessible 24 hours a day, also via smartphone) that would make the life of many small entrepreneurs in constant search for financing easier.
Tax relief for families investing in SMEs
No taxes to families on corporate capital investment to boost SME credit. It is a measure announced by the Deputy Minister of the Economy, Enrico Morando: ” The government is working on a measure that will come in the coming weeks aimed at determining a zero rate for the returns of households in the risk capital of companies provided that it explains be patient and remain invested for 3 years in those specific business realities “.” Banks are a fundamental tool for corporate credit “declared Morando,” but we must be able to move a growing part of household savings towards financing direct from the companies, therefore we also need to favor the investments of the families directly on the risk capital of the companies, in particular artisans and SMEs ”.