{"id":25070,"date":"2023-07-28T14:53:19","date_gmt":"2023-07-28T14:53:19","guid":{"rendered":"https:\/\/espa.io\/eat-the-4-new-programmes-for-the-support-of-smes-are-launched\/"},"modified":"2023-09-08T23:05:28","modified_gmt":"2023-09-08T23:05:28","slug":"eat-the-4-new-programmes-for-the-support-of-smes-are-launched","status":"publish","type":"post","link":"https:\/\/espa.io\/en\/eat-the-4-new-programmes-for-the-support-of-smes-are-launched\/","title":{"rendered":"EAT: The 4 new programmes for the support of SMEs are launched"},"content":{"rendered":"\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/espa.io\/wp-content\/uploads\/2023\/07\/eat-xekinaei-i-diathesi-ton-4-neon-programmaton-gia-ti-stirixi-ton-mme-1-1024x555.jpg\" alt=\"\"\/><\/figure>\n\n<p>The banking system of the country has shown great participation in order to start immediately the implementation of the <strong>4 new programmes<\/strong> of the <strong>Hellenic Development Bank &#8211; HDB<\/strong> that support, with low-interest financing, <strong>small and medium entrepreneurship<\/strong>.<\/p>\n\n<h6 class=\"wp-block-heading\" id=\"h-&#x3C4;&#x3B1;-4-&#x3BD;&#x3AD;&#x3B1;-&#x3B5;&#x3C5;&#x3AD;&#x3BB;&#x3B9;&#x3BA;&#x3C4;&#x3B1;-&#x3C7;&#x3C1;&#x3B7;&#x3BC;&#x3B1;&#x3C4;&#x3BF;&#x3B4;&#x3BF;&#x3C4;&#x3B9;&#x3BA;&#x3AC;-&#x3C0;&#x3C1;&#x3BF;&#x3CA;&#x3CC;&#x3BD;&#x3C4;&#x3B1;-3-&#x3C3;&#x3C5;&#x3B3;&#x3C7;&#x3C1;&#x3B7;&#x3BC;&#x3B1;&#x3C4;&#x3BF;&#x3B4;&#x3BF;&#x3C4;&#x3BF;&#x3CD;&#x3BC;&#x3B5;&#x3BD;&#x3B1;-&#x3BA;&#x3B1;&#x3B9;-1-&#x3B5;&#x3B3;&#x3B3;&#x3C5;&#x3BF;&#x3B4;&#x3BF;&#x3C4;&#x3B9;&#x3BA;&#x3CC;-&#x3B5;&#x3BE;&#x3B1;&#x3C3;&#x3C6;&#x3B1;&#x3BB;&#x3AF;&#x3B6;&#x3BF;&#x3C5;&#x3BD;-&#x3B9;&#x3B4;&#x3B9;&#x3B1;&#x3AF;&#x3C4;&#x3B5;&#x3C1;&#x3B1;-&#x3B5;&#x3C5;&#x3BD;&#x3BF;&#x3CA;&#x3BA;&#x3BF;&#x3CD;&#x3C2;-&#x3CC;&#x3C1;&#x3BF;&#x3C5;&#x3C2;-&#x3C7;&#x3C1;&#x3B7;&#x3BC;&#x3B1;&#x3C4;&#x3BF;&#x3B4;&#x3CC;&#x3C4;&#x3B7;&#x3C3;&#x3B7;&#x3C2;-&#x3B3;&#x3B9;&#x3B1;-&#x3C4;&#x3B9;&#x3C2;-&#x3BC;&#x3B9;&#x3BA;&#x3C1;&#x3BF;&#x3BC;&#x3B5;&#x3C3;&#x3B1;&#x3AF;&#x3B5;&#x3C2;-&#x3B5;&#x3C0;&#x3B9;&#x3C7;&#x3B5;&#x3B9;&#x3C1;&#x3AE;&#x3C3;&#x3B5;&#x3B9;&#x3C2;\">The <strong>4 new flexible financial products<\/strong> (3 co-financed and 1 Guarantee) ensure <strong>particularly favourable financing conditions<\/strong> for SMEs.<\/h6>\n\n<h2 class=\"wp-block-heading\" id=\"h-&#x3C4;&#x3BF;-&#x3C4;&#x3B1;&#x3BC;&#x3B5;&#x3AF;&#x3BF;-&#x3B5;&#x3B3;&#x3B3;&#x3C5;&#x3BF;&#x3B4;&#x3BF;&#x3C3;&#x3AF;&#x3B1;&#x3C2;-development-law-financial-instrument-delfi\"><strong>The Development Law Financial Instrument (DeLFI) Guarantee Fund<\/strong><\/h2>\n\n<p>It provides <strong>guarantees for long-term and short-term loans<\/strong> for the implementation of investment proposals submitted under the <strong>new development law N.4887\/2022<\/strong>. <strong>DeLFI<\/strong> provides a guarantee of <strong>80%<\/strong> per loan and in total loans will be made available in the amount of <strong>500 cm. euro.<\/strong><\/p>\n\n<p><strong>12 banks<\/strong> responded to the call of the <strong>Hellenic Development Bank &#8211; HDB<\/strong> and applied for <strong>loans<\/strong> with a total budget of <strong>932 million<\/strong> euros, which is currently twice the available resources.<\/p>\n\n<ul class=\"wp-block-list\">\n<li>It is worth noting that <strong>DeLFI&#8217;s funds<\/strong> come from the repayments of the <strong><a href=\"https:\/\/hdb.gr\/tameio-epixeirimatikotitas-tepix-i-sinolo\/\" target=\"_blank\" rel=\"noreferrer noopener\">Entrepreneurship Fund I<\/a> (EBF I<\/strong>).<\/li>\n<\/ul>\n\n<p>This highlights the importance of the financial instruments as a <strong>revolving funding mechanism<\/strong> with a multiplier effect on the economy, as <strong>NSRF 2007-2013<\/strong> resources, after having financed a significant number of enterprises, return to the market to support new businesses.<\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-&#x3C4;&#x3BF;-&#x3C4;&#x3B1;&#x3BC;&#x3B5;&#x3AF;&#x3BF;-&#x3C7;&#x3B1;&#x3C1;&#x3C4;&#x3BF;&#x3C6;&#x3C5;&#x3BB;&#x3B1;&#x3BA;&#x3AF;&#x3BF;&#x3C5;-&#x3C3;&#x3C5;&#x3B3;&#x3C7;&#x3C1;&#x3B7;&#x3BC;&#x3B1;&#x3C4;&#x3BF;&#x3B4;&#x3BF;&#x3C4;&#x3AE;&#x3C3;&#x3B5;&#x3C9;&#x3BD;-&#x3C6;&#x3AD;&#x3C1;&#x3B5;&#x3B9;-&#x3C4;&#x3B7;&#x3BD;-&#x3BF;&#x3BD;&#x3BF;&#x3BC;&#x3B1;&#x3C3;&#x3AF;&#x3B1;-business-growth-fund\"><strong>The Co-investment Portfolio Fund (called the Business Growth Fund)<\/strong><\/h2>\n\n<p>Leverages public resources, in cooperation with the <strong><a href=\"https:\/\/european-union.europa.eu\/institutions-law-budget\/institutions-and-bodies\/search-all-eu-institutions-and-bodies\/european-investment-bank-eib_el\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">European Investment Bank <\/a>(EIB)<\/strong> and through the participation of Banking Institutions, increases available loan capital to more than <strong>\u20ac2 billion euros<\/strong>.<\/p>\n\n<p>The first phase of the implementation of the Portfolio Fund has already been activated with the publication of a call to the Banks <strong>for three (3) new funds to channel up to EUR 1.35 billion of investment loans and working capital into the market<\/strong><u><strong>,<\/strong><\/u> while <strong>additional resources of EUR 35 million euros<\/strong> is expected to cover interest subsidies on the loans granted.<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Important will be the <strong>alleviation of borrowing costs<\/strong> for <strong>businesses<\/strong> through these programmes, since each loan will be co-financed by <strong>40%<\/strong> from the public resources of these Funds, and will be provided <strong>interest-free<\/strong>, while for the remaining 60% to be financed by the Bank, the cost of financing <strong>will be reduced by 3% <\/strong>for the <strong>2<\/strong> first years of the loan with the application of the partial interest rate subsidy (subject to conditions).<\/li>\n<\/ul>\n\n<p>This results in an <strong>overall reduction in borrowing costs<\/strong> that can in some cases exceed <strong>75%<\/strong>.<\/p>\n\n<p>There was a great interest from Credit Institutions for their participation in these 3 new programmes, as <strong>13 Banks<\/strong> submitted proposals with competitive interest rate offers and reduced collateral requirements.<\/p>\n\n<p>Their participation in the loan funds in this first phase of the programmes is expected to reach <strong>800 million. euros<\/strong>.<\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-&#x3C4;&#x3B1;-3-&#x3BD;&#x3AD;&#x3B1;-&#x3AC;&#x3BC;&#x3B5;&#x3C3;&#x3B1;-&#x3B4;&#x3B9;&#x3B1;&#x3B8;&#x3AD;&#x3C3;&#x3B9;&#x3BC;&#x3B1;-&#x3C0;&#x3C1;&#x3BF;&#x3B3;&#x3C1;&#x3AC;&#x3BC;&#x3BC;&#x3B1;&#x3C4;&#x3B1;-&#x3C3;&#x3C5;&#x3B3;&#x3C7;&#x3C1;&#x3B7;&#x3BC;&#x3B1;&#x3C4;&#x3BF;&#x3B4;&#x3CC;&#x3C4;&#x3B7;&#x3C3;&#x3B7;&#x3C2;-&#x3C4;&#x3B7;&#x3C2;-hdb\"><strong>The 3 new co-financing programmes immediately available<\/strong> <strong>of the HDB<\/strong><\/h2>\n\n<p>In detail the 3 new readily available <strong>HDB<\/strong> co-financing schemes will provide:<\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-&#x3B9;-&#x3C0;&#x3C1;&#x3AC;&#x3C3;&#x3B9;&#x3BD;&#x3B1;-&#x3C3;&#x3C5;&#x3B3;&#x3C7;&#x3C1;&#x3B7;&#x3BC;&#x3B1;&#x3C4;&#x3BF;&#x3B4;&#x3BF;&#x3C4;&#x3BF;&#x3CD;&#x3BC;&#x3B5;&#x3BD;&#x3B1;-&#x3B4;&#x3AC;&#x3BD;&#x3B5;&#x3B9;&#x3B1;-green-co-financing-loans\"><strong>I. Green Co-Financing Loans (Green Co-Financing Loans)<\/strong><\/h2>\n\n<p>Total available loan capital of up to <strong>500 million<\/strong> for investment financing for SMEs implementing investment projects <strong><a href=\"https:\/\/espa.io\/en\/c\/energy\/\" target=\"_blank\" rel=\"noreferrer noopener\">energy upgrade investments<\/a><\/strong>,  <strong>developing green service providers, developing low-emission car charging networks (electric or hydrogen) and investing in renewable energy sources<\/strong>, with the ultimate aim of <strong>reducing emissions and <a href=\"https:\/\/espa.io\/en\/c\/enviornment\/\" target=\"_blank\" rel=\"noreferrer noopener\">protecting the environment<\/a><\/strong>. The duration of the loans will be from 2 to 10 years and the amount will range from <strong>EUR 80,000 to EUR 8,000,000.<\/strong> There is a possibility to use a grace period for the first 2 years.<strong>        <\/strong><\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-&#x3B9;&#x3B9;-&#x3B4;&#x3AC;&#x3BD;&#x3B5;&#x3B9;&#x3B1;-&#x3C8;&#x3B7;&#x3C6;&#x3B9;&#x3B1;&#x3BA;&#x3AE;&#x3C2;-&#x3B1;&#x3BD;&#x3B1;&#x3B2;&#x3AC;&#x3B8;&#x3BC;&#x3B9;&#x3C3;&#x3B7;&#x3C2;-digitalization-co-financing-loans\"><strong>\u0399\u0399. Digitalization Co-Financing Loans (Digitalization Co-Financing Loans)<\/strong><\/h2>\n\n<p>Total available loan capital of up to <strong>250 million euros <\/strong>for investment financing for SMEs, for the <strong><a href=\"https:\/\/espa.io\/en\/c\/information-communications-technologies\/\" target=\"_blank\" rel=\"noreferrer noopener\">implementation of digitisation and digital upgrading investments<\/a><\/strong> of their operations\/activities, aiming at increasing their productivity, their growth and the creation of new high value-added jobs. The duration of the loans will be from 2 to 10 years and the amount of the loans will range from <strong>\u20ac25,000 to \u20ac1,000<\/strong>,000. A grace period can be used for the first 2 years.<strong>        <\/strong><\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-&#x3B9;&#x3B9;&#x3B9;-&#x3B4;&#x3AC;&#x3BD;&#x3B5;&#x3B9;&#x3B1;-&#x3C1;&#x3B5;&#x3C5;&#x3C3;&#x3C4;&#x3CC;&#x3C4;&#x3B7;&#x3C4;&#x3B1;&#x3C2;-&#x3B5;&#x3C0;&#x3B9;&#x3C7;&#x3B5;&#x3B9;&#x3C1;&#x3AE;&#x3C3;&#x3B5;&#x3C9;&#x3BD;-liquidity-co-financing-loans\"><strong>\u0399\u0399\u0399. Business Liquidity Co-Financing Loans (Liquidity Co-Financing Loans<\/strong>)<\/h2>\n\n<p>Total available loan capital of up to<strong> 600 million. euros<\/strong> for working capital financing to SMEs. The interest rate subsidy is applicable only to companies that have not received financing\/assistance from an <strong>HDB<\/strong> scheme before.. The aim of the loans is to facilitate the smooth operation of the business transaction circuit and to address the increased energy costs under the current exceptional market conditions (increased energy costs, raw material prices, inflationary pressures) and to protect jobs, so that they can successfully meet the challenges of modern entrepreneurship. The duration of the loans will be from 2 to 5 years, with a loan amount of <strong>EUR 10,000 to EUR 1,500,000.<\/strong> There is a possibility to use a grace period for the first 2 years.<strong>        <\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The banking system of the country has shown great participation in order to start immediately the implementation of the 4 new programmes of the Hellenic Development Bank &#8211; HDB that support, with low-interest financing, small and medium entrepreneurship. The 4 new flexible financial products (3 co-financed and 1 Guarantee) ensure particularly favourable financing conditions for 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