You can finance your ecommerce by requesting grants for entrepreneurs and freelancers who want to develop their professional activity in ecommerce. To face his first stage, which is the hardest of his career from now on. On whether there are options to obtain aid, a series of proposals have been enabled that can help you achieve your wishes from now on.
Have you appreciated that apart from the stock purchase, employee salary, technological supports, etc., is there a fixed expense that you will have to take into account every month? This is one of the first needs that you should anticipate when starting a business of these characteristics. Where you must take into account what are the needs you have in your business and if these lines of credit are open to the profile presented by the store or online business that you represent.
Because you can not forget that the destination of these aid. On the one hand, unemployed natural persons who register as self-employed workers, self-employed in the corresponding Social Security scheme or in the mutual benefit of the corresponding professional association, are addressed or may request this aid. And on the other hand, the people provided for in the previous point, who are members of civil companies, communities of property, and partners of commercial companies.
Main objectives of these grants
In all cases, there are a series of specific objectives for which a wide range of help is granted to digital companies, whatever its nature. Among those that stand out the ones mentioned below:
- Develop a methodology that offers the entrepreneur a series of formulas to adopt a sensitive and favorable attitude to innovation.
- Support small and medium-sized companies in the development of solutions to apply the culture of innovation.
- Encourage the creation of business networks that promote the dissemination of knowledge and best practices.
- Favor the transfer of technology and knowledge from public and private organizations and institutions to small and medium-sized enterprises.
Where, and as an innovative element, and once the diagnosis phase is finished, you will be able to put into practice in your company the innovation recommendations identified in the previous phase and that are necessary for the improvement of competitiveness. So that in this way, and from this moment on, your online company can receive up to 75% or 80% grant for start-up.
In any case, these kinds of economic measures are aimed at the new needs of companies in our country that are acquiring in an increasingly competitive market such as digital and which is traditionally represented by online stores or commerce. .
Effects on digital business
The implantation of a eCommerce forces companies to make changes to their structures, incorporate new technologies and adapt and modernize its production and marketing processes, all in order to access new markets that are not possible in the traditional way. But this also requires adequate training for all its members.
The application of this kind of official and private aid has a direct impact on the state of the store or online business. As for example, in the following cases that we are going to explain to you below:
Increased product range
Through a single point, the screen, you have access to an almost infinite range of suppliers, and with it the widest possible range of products. This allows you to compare and contrast options in real time, and choose what best suits your specific needs.
Access to a global market
Cheaper transportation and globalization have already made intercontinental trade possible. Now electronic commerce has made contact between buyers and sellers tremendously easy, breaking down boundaries and putting a truly global market at a single click.
About employment
One of the benefits of Ecommerce is that you can hire employees at affordable costs for your business. For example, you can hire people in countries where the cost of living is lower. Another advantage is that an online store does not require the number of employees that a physical store, and you do not need to hire staff to launch the store. In the beginning, you can run your digital commerce business by yourself.
Who are these grants aimed at?
Self-employed, entrepreneurs and all types of companies, both Spanish and foreign that wish to carry out business activities and / or investments, cover liquidity needs or expenses within the national territory.
Individuals and communities of owners who wish to rehabilitate their home or building.
Where do I request it?
Directly through credit institutions.
Maximum amount per client: up to 12,5 million euros, in one or more operations.
Financeable concepts:
Business activities and / or investment and liquidity needs within the national territory.
Rehabilitation of homes and buildings.
Modality: loan, leasing, renting or line of credit.
Interest rate: fixed or variable, plus the margin established by the credit institution according to the repayment term.
Amortization and grace period:
From 1 to 20 years with the possibility of up to 3 years of grace period depending on the terms.
Commissions: the credit institution may charge a single commission at the beginning of the operation, in addition to, where appropriate, the early repayment fee.
Guarantees: to be determined by the credit institution, except SGR / SAECA guarantee.
Validity: loans from this Line may be formalized throughout the year 2020.
ICO Commercial Credit Line: For whom?
Self-employed workers, entrepreneurs and companies with registered office in Spain who wish to obtain liquidity through the advance payment of invoices from their commercial activity within the national territory, or to cover the production costs of the goods to be sold in Spain.
Where do I request it?
Directly through credit institutions.
Maximum amount per customer: up to 12,5 million euros of outstanding balance per customer and year, in one or more operations.
Mode of operation: type of financing contract agreed by the client and the Credit Institution.
Type of interest: Variable rate, plus the margin established by the credit institution.
Commissions: the Credit Institution may charge a single commission at the beginning of the operation, in addition to, where appropriate, the early repayment.
Warranties: To be determined by the credit institution.
Validity: operations of this Line may be formalized throughout the year 2020.
The micro-bank microcredits They are perfect because you can find the credit that fully adapts to what you are needing at all times.
Microcredit entrepreneurs and businesses. This type of credit is thinking to enjoy the benefits of a loan for people who want to start a New business or that they are autonomous and they have problems getting a loan because they don't have a payroll. For the self-employed, it should be taken into account that you have to have annual income of 60.000 euros. Micro companies need to have fewer than 10 employees as an essential requirement. In the latter case, the turnover should not exceed 2.000.000 euros per year.
Why are these financial aid necessary?
This kind of aid for starting a digital business or through the Internet may be the necessary tool you need to put that idea that you have been waiting for so long on the market. But because you do not have enough liquidity, you have been delaying and delaying it over the months or even the years. But now is the time to start it with a little capital to cover the most basic needs that are demanded in this very special kind of business.
While on the other hand, we can not forget the fact that a necessary measure to undertake in most cases. Precisely the most complex moment due to the lack of resources, especially monetary ones. And for which financial products have been developed that provide a lower interest rate. They oscillate between 5% and 7%, a couple of percentage points lower than the models that are aimed at private customers. With an additional advantage that resides in the fact that they are marketed with a total exemption in commissions and other expenses in their management and maintenance.
On the other hand, it should be noted that this financial solution that goes to electronic businesses is available, both in the state or regional proposals and in the offers that a large part of the credit institutions have been developing. With a wide variety of formats that depend on the profiles presented by the applicants of these aids in the digital sector. From where you can obtain the first liquidity to start that online business that you have been waiting for so long. Both at the beginning and in its subsequent development over the years. That is, when entrepreneurs most need financial help to meet their career goals. For people who wish to obtain liquidity through the advance payment of invoices from their commercial activity within the national territory, with the only requirement of setting up an Internet business.