{"id":1031,"date":"2013-11-11T10:30:00","date_gmt":"2013-11-11T09:30:00","guid":{"rendered":"http:\/\/www.coinmasd.com\/?p=614"},"modified":"2026-07-22T12:00:52","modified_gmt":"2026-07-22T10:00:52","slug":"30-millones-de-euros-para-la-nueva-linea-de-financiacion-tic-enisa-agenda-digital","status":"publish","type":"post","link":"https:\/\/deducible.es\/en\/actualidad\/30-millones-de-euros-para-la-nueva-linea-de-financiacion-tic-enisa-agenda-digital\/","title":{"rendered":"30 Millones de euros para la nueva l\u00ednea de financiaci\u00f3n TIC-Enisa Agenda Digital"},"content":{"rendered":"
\n
write narrative essay<\/a><\/div>\n
\n

La Secretari\u0301a de Estado de Telecomunicaciones y para la Sociedad de la Informacio\u0301n (SETSI) ha puesto en marcha una li\u0301nea de pre\u0301stamos participativos dirigida a apoyar la puesta en marcha y desarrollo de proyectos empresariales en el a\u0301mbito de las TIC a trave\u0301s de pre\u0301stamos participativos con un importe mi\u0301nimo de 25.000 euros y un ma\u0301ximo de 300.000 euros.<\/p>\n

Las pymes del sector TIC, con un modelo de negocio innovador o con claras ventajas competitivas, pueden solicitar financiacio\u0301n a cre\u0301dito blando a trave\u0301s de los prestamos otorgados por ENISA. En este sentido, el presupuesto aprobado para la Li\u0301nea Agenda Digital permitira\u0301 cofinanciar, como mi\u0301nimo, a ma\u0301s de 100 proyectos del a\u0301rea de redes, aplicaciones y servicios para la competitividad digital, soluciones de comercio electro\u0301nico y seguridad digital, o bien tecnologi\u0301as para la accesibilidad y evolucio\u0301n de la e-administracio\u0301n.<\/p>\n

Entre las condiciones para poder acceder a esta li\u0301nea esta\u0301 la de ser pyme (conforme a la definicio\u0301n de la Unio\u0301n Europea), con actividad y domicilio social en Espan\u0303a, un modelo de negocio innovador y diferenciador, el plan de negocio debe tener una previsio\u0301n de cinco an\u0303os, una estructura financiera equilibrada, un equipo de gestio\u0301n profesional y comprometido con el proyecto, no pertenecer al sector inmobiliario o financiero y, en el caso de no ser una empresa de nueva creacio\u0301n, haber depositado las cuentas del u\u0301ltimo ejercicio en el Registro Mercantil.<\/p>\n

Caracteri\u0301sticas<\/p>\n

    \n
  • \n

    Para la determinacio\u0301n del importe se valorara\u0301, entre otros factores, el nivel de fondos propios y la estructura financiera de la empresa.<\/p>\n<\/li>\n

  • Se exigira\u0301 aval bancario, que se calculara\u0301 en funcio\u0301n del riesgo derivado de la operacio\u0301n, obtenido tras el ana\u0301lisis del plan de negocio presentado y segu\u0301n
    \nla metodologi\u0301a de cara\u0301cter experto de ENISA: A, 5% del principal del pre\u0301stamo; B, 20%; y C, 25%.<\/li>\n
  • \n

    El tipo de intere\u0301s se aplicara\u0301 en dos tramos:<\/p>\n<\/li>\n<\/ul>\n<\/div>\n

    \n
    \n
    \n
    \n

    \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Primer tramo: Intere\u0301s fijo: Euribor + 2,5%
    \nSegundo tramo: Intere\u0301s fijo + 8 % ma\u0301ximo adicional, en funcio\u0301n de la rentabilidad financiera de la empresa.<\/p>\n

    \n
    \n
    \n
      \n
    • Comisio\u0301n apertura: 0,5%<\/li>\n
    • Vencimiento: ma\u0301ximo 9 an\u0303os, incluido el periodo de carencia (ma\u0301ximo 7 an\u0303os)<\/li>\n
    • Comisio\u0301n amortizacio\u0301n anticipada: equivalente al importe que la cantidad amortizada anticipadamente hubiese devengado en concepto de segundo tramo de intereses si se hubiese amortizado en los te\u0301rminos previstos inicialmente.<\/li>\n
    • Amortizacio\u0301n trimestral de intereses y principal.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n

       <\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"

      write narrative essay La Secretari\u0301a de Estado de Telecomunicaciones y para la Sociedad de la Informacio\u0301n (SETSI) ha puesto en 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