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Our pledge to companies

Instituto catalán de finanzas (ICF) – AVALIS DE CATALUNYA S.G.R.

ICF/AVALIS Line of Guarantees

Instituto catalán de finanzas

Line whose beneficiaries are companies and the self-employed whose registered offices or work centre in Catalonia.

  • Characteristics


    Facility whose beneficiaries are companies and the self-employed whose registered offices or work centre is in Catalonia, to be used to cover investment financing operations of working capital by obtaining a guarantee from ICF or AVALIS.

    CONDITIONS OF THE BENEFICIARIES:

    • Have positive own resources, not be in a situation of continuous losses nor insolvency or pre-insolvency proceedings.
    • Have no non-payments on the date the guarantee is posted.
    • Have the approval of the working capital financing operation on the part of the Bank.
    In the case of AVALIS SGR guarantees, the beneficiaries will be SMEs or the Self-employed and must be participant members of the SGR.

    In the case of ICF guarantees, the beneficiaries will be Companies or the Self-employed with a turnover of under €250m with a business plan that adds value to the Catalan economy.
  • Financial Conditions
    Amount guaranteed
    For Investment operations:
    • The amount of the operation must signify an increase in the investment risk positions of the customer with the Bank.
    • Amount of the guarantee: From 50% to 100% of the project up to a maximum of €10m for ICF guarantees and €1.5m for AVALIS guarantees.
    For working capital operations:
    • The operation must signify an increase in the working capital positions of the customer with the bank of at least 10%.
    • Amount of the guarantee: Maximum 50% of the total of the operation up to a maximum of €50m for ICF guarantees and €1.5m for AVALIS guarantees.
    Types of financing:
    • Loan
    • Leasing
    • Credit arrangement
    • National or international discounting.
    • Factoring with recourse
    • Reverse factoring
    • International Business
    • Line of Guarantees
    Repayment schedule:
    • Between 3 and 15 years for investment operations
    • Between 1 and 5 years for working capital operations
    Interest rate:
    • To be agreed by the Customer and Bank.
    Specific financial terms and conditions.
    • Transactions subject to prior approval by the Bank.
    • Remaining commission depending on the product.