Technological evolution and increasing environmental awareness are redefining business strategies. In this context, the opening of the application window on July 27, 2023, for subsidized financing offers Italian companies an unprecedented opportunity to promote both digital innovation and ecological transition. This initiative, launched by Simest, aims to enhance the competitiveness of companies in international markets by providing them with resources to adopt cutting-edge practices.

Companies with legal and operational headquarters in Italy can apply, provided they meet key requirements:

• Have filed at least two complete financial statements with the Business Register before the application date.
• Fall within the classification from 1 to 9 according to the credit scoring of the Guarantee Fund.
• Meet one of the following alternative requirements:
• Have an export turnover of at least 10% of the last financial statement.
• Be an SME with a productive Ateco code and an export turnover of at least 3% of the last financial statement, being part of a production chain with at least three client companies.

The beneficiary company must allocate at least 50% of the amount to digital and/or ecological investments. The remaining part, up to 50%, can be allocated to other investments in fixed assets. Additionally, a higher percentage of asset investments is possible provided specific requirements are met, such as an increase in energy costs and significant export turnover.

The incentive is through a subsidized loan with the following characteristics:

• Fixed rate at 0.464% (10% of the EU reference rate) as of July 2023.
• Maximum duration of 6 years, with 2 years of pre-amortization.
• Disbursement of the loan in three tranches, as an advance, after one year from signing, and on completion.
• Increasing guarantee percentage based on the Scoring class of the Applicant Company.
• Companies with specific characteristics can also obtain a non-repayable grant of up to 10% of the amount of the facilitated intervention.

The incentive is through a subsidized loan with the following characteristics:

• Fixed rate at 0.464% (10% of the EU reference rate) as of July 2023.
• Maximum duration of 6 years, with 2 years of pre-amortization.
• Disbursement of the loan in three tranches, as an advance, after one year from signing, and on completion.
• Increasing guarantee percentage based on the Scoring class of the Applicant Company.
• Companies with specific characteristics can also obtain a non-repayable grant of up to 10% of the amount of the facilitated intervention.

Interested companies can submit their loan applications through the Simest Financing Portal. The selection of applications is based on the chronological order of submission. Starting from July 27, 2023, it will be possible to access this extraordinary financing opportunity.

Requisiti PMI innovative

Fondo di Garanzia

Active Financing