Regional Loans – Loans

Regional funding is made available by the Regions to help small and medium-sized businesses that need liquidity. Each Region periodically delivers economic and financial benefits to support and incentivize productive activities and all those projects that have the specific purpose of re-launching or renovating existing structures. It is, as you may have guessed, an important support for the economy of the Italian company, increasingly crushed by the crisis.

Each Region develops different financing plans but each of them has a minimum common denominator: each company must submit its project to the Region and the Region must approve it. Only with the approval of the dedicated Commissions, the Region will be able to provide the financing in favor of the companies.

Small and medium-sized enterprises

Small and medium-sized enterprises

Obviously, not everything is financed. Small and medium-sized enterprises can request access to regional financing for the purchase of buildings to expand the company or to make investments to buy new machinery or to renovate business premises or to renew the facilities used to operate the company. ‘business activity. Finally, many funds are provided by the Regions for those projects that involve new technologies to safeguard the environment.

We have specified above that each Region periodically provides funding for small and medium-sized enterprises. Let’s find out, Region by Region, what are the economic contributions that each makes available to entrepreneurs.

Veneto Regional Loans

The Veneto Region provides loans to small and medium-sized enterprises (SMEs) and non-repayable loans for Local Authorities. All in implementation of regional provisions. These regulations provide for the provision of regional financing to achieve these precise aims:

– revitalize historic and urban centers;
– requalification of the relative commercial activities;
– promote and support traditional, electronic or all those activities with historical or artistic value;
– to promote credit cooperation and associations;
– promote the development and modernization of small and medium-sized commercial enterprises in the regional territory;
– incentivize the dissemination of quality certification methodologies within the SME of commerce and services.

All these objectives are pursued by the Veneto Region through the provision of the following economic contributions:
– contributions to Municipalities and SMEs to support trade;
– low-interest loans to SMEs through a revolving fund;
– guarantees on loans to SMEs through contributions granted to guarantee institutions for the implementation of risk funds;
– contributions to SMEs provided through the use of financial resources to support projects for the redevelopment of the management processes of small and medium enterprises.

Financing Tuscany Region

Financing Tuscany Region

The Tuscany Region, through the provision of economic contributions dedicated to the company, aims to achieve a twofold objective: to emerge from the economic crisis and to face it as well as to relaunch and strengthen the companies that are part of the Tuscan productive fabric. To achieve these important objectives, the Region has the financial resources belonging to its own budget or European funds. Great attention is given to small and medium-sized enterprises to which the Region provides free guarantees on soft loans, again, subsidized interest rates whose application is made possible thanks to agreements signed with banks and Fidi Toscana.

The interventions of the Tuscany Region are carried out through the following instruments:

– financing for youth enterprises;
– non-refundable contributions for tourism companies;
– financial incentives for the acquisition of subsidized services by companies;
– contributions for new hires carried out by companies in the Province of Prato;
– non-repayable loans with the rotation fund of the Tuscany Region.

Financing Lombardy Region

There are numerous areas of intervention for the contributions made by the Lombardy Region . They consist in the provision of non-repayable grants for innovation and industrial design, non-repayable contributions for the establishment of 50% new companies, medium / long-term loans with guarantee at first demand, interest subsidies on investment programs of the current year and next year. These benefits are periodically provided by Lombardy to support companies operating in the economic fabric of the Region or to emerge from the economic crisis.
In particular , the following can be financed: industrial research and experimental development costs, the cost of which cannot be less than € 100,000.00 or higher than € 2,000,000.00. In addition, personnel costs related to researchers, technicians, expenses for technical consultancy and external services are eligible for the development, testing and testing of the product / service. Finally, depreciation costs related to plant, machinery and equipment are eligible.

Funding for the Emilia Romagna Region

Funding for the Emilia Romagna Region

The Emilia Romagna provides a whole system of non-repayable loans. Furthermore, a specific sector of contributions was envisaged to relaunch and help the areas hit by the earthquake. The Region therefore provides benefits for innovative companies. It also provides incentives for companies born in the last 4 years.
Currently two tenders have been issued that provide economic contributions to those companies that have to hire employees: these companies can receive one-off grants of up to 8000 euros.
Lastly, we recall the specific financing interventions such as those in favor of the Province of Ravenna and provided to favor the installation of photovoltaic systems.

Regional Funding Puglia

Regional Funding Puglia

Specific contributions and financial subsidies are granted by the Puglia Region in support of self-employment, micro-enterprise, youth entrepreneurship and tourism. These grants are paid in the form of an interest-rate incentive, in the form of start-up tenders, of integrated facilitation projects.
In particular, we recall that the Province of Foggia grants grants to help start up new businesses . The province of Bari , on the other hand, grants subsidized loans to encourage new productive investments, the requalification of the company’s financial structure.
Finally, the province of Lecce grants contributions for the purchase and installation of video alarm systems and anti-robbery video surveillance.

Lazio Regional Loans

Lazio Regional Loans

Currently, Lazio provides grants for the development and modernization of artisan businesses, grants subsidized loans to promote female and youth entrepreneurship and, finally, provides a detailed financial aid plan for innovative companies.
In particular, the Province of Rome has issued a series of calls for grants to grant grants to finance investment programs and technological innovation. The province of Frosinone deals with financing the business start-up. The province of Latina is providing grants for highly innovative projects, interest subsidies for artisan businesses. All these contributions can be made to modernize the company’s premises to buy new machinery and equipment.

Ultimately, the current interventions of the Lazio Region consist of:
– Discounts of up to 70% from the new business guarantee fund;
– Non-repayable financing for the creation of new businesses: they cannot exceed 75,000 euros;
– contributions paid to those companies that decide to hire new workers with apprenticeship contracts

Regional Loans Abruzzo

Abruzzo provides a whole series of grants to promote agritourism, female entrepreneurship. Specific loans are also provided for craft businesses. Currently, in fact, it is the most flourishing economic sector of the Region.
Specifically, the Province of Pescara provides subsidized loans to those companies that invest in innovation. The province of L’Aquila provides a series of loans and grants aimed at reactivating production and entrepreneurial activity following recent natural disasters. Finally, the province of Chieti provides grants to facilitate access to credit for craft businesses.

Calabria Regional Loans

The Calabria Region has a particular focus on the insertion of unemployed and unemployed young people into the world of work, especially if they are graduates. It is to this category of subjects that the Region has dedicated regional economic aid and capital and interest-rate contributions disbursed with the help of Europe.
In particular , the province of Reggio Calabria has issued a series of public tenders to support employment and to promote the spread of photovoltaic systems. The province of Crotone makes a series of contributions to those companies that submit patent applications for industrial inventions. Finally, the province of Catanzaro provides grants in favor of those companies that achieve the quality certification of business systems.

Campania Regional Loans

Campania Regional Loans

The regional contributions supported by the intervention of the European Union are substantiated in a series of non-repayable grants and subsidies aimed essentially at new businesses, mostly set up by young people, promoting women’s entrepreneurship and the development of tourism in the territory.
In particular, the province of Naples has provided a series of capital grants to support interventions aimed at saving energy and supporting the use of renewable energy sources. The province of Caserta provides financing for those companies that want to modernize their plants or buy new machinery. Finally, the province of Salerno provides grants for the adjustment and restructuring of dairies.

Regional Funding for Sicily

The protection plan devised by the Sicily Region involves grants aimed at youth entrepreneurship, female entrepreneurship and small and medium-sized enterprises.
Specifically, the province of Agrigento provides a series of contributions to support the fishing sector. It also provides non-repayable loans for youth and / or female companies. The province of Palermo make contributions to agricultural enterprises and for start-up business. Finally, the province of Siracusa delivers a range of subsidized loans in favor of small businesses.

Regional Loans Sardinia

To stimulate the growth of its economy, the Sardinia Region grants grants for technological and organizational innovation of companies, for the modernization of companies and for the training of their staff. Furthermore, with its financial interventions, the Region aims to promote female entrepreneurship.
In particular, the province of Cagliari provides a series of contributions for asbestos remediation and financing to support and promote the development of female entrepreneurship. The province of Sassari grants contributions to support the creation of companies.

Piedmont Regional Loans

Piedmont Regional Loans

We conclude our examination of the financing plans envisaged by the Italian Regions with the Piedmont Region. It provides a series of non-repayable contributions to help companies purchase machinery, equipment and facilities, software and hardware. Business combinations are also favored, incentives for those companies that want to hire new staff, grants for research and development. With other types of benefits, the Piedmont Region aims to help and support companies in the start-up, growth and development phase. We recall, in this regard, non-repayable grants of 50% for training expenses for company personnel, contributions for the internationalization processes of companies operating in the territory and subsidized loans and contributions for new cooperatives of youth enterprises.