Wednesday, June 24, 2020

Líneas fuera de bancos

Líneas no bancarias para Pymes

 

Préstamos de fondos de inversión

Operaciones sin avales ni garantías a partir de 500.000 euros y hasta 15 millones. Periodos de amortización de hasta 7 años con un máximo de 4 de carencia.

Crowdlending

Préstamo en masa que no lleva asociados otros productos, no computa en Cirbe y no exige que se perpetúe la relación prestamista/prestatario.

Pagarés corporativos

Para empresas en crecimiento. Producto muy flexible que actúa como reserva de tesorería y permite regular desfases puntuales.

Leaseback y Rentback

Venta y posterior arrendamiento financiero de inmovilizado material. Condiciones (plazos y costes) muy favorables y ventajas fiscales.

Renting y Leasing

Líneas óptimas para la inversión en maquinaria. Aunque tanto el Renting como el Leasing se verán reflejados en el pasivo de la empresa, el Renting no computará en Cirbe.

Factoring y otras líneas de descuento

Adelanto de derechos de cobro (pagarés, facturas, recibos, contratos...) propiedad de la empresa para reducir las diferencias temporarias entre cobros y pagos y disponer de liquidez.

Si quieres saber más, analizamos tu caso sin compromiso...

 
Déjanos tus datos y te llamamos
 

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Monday, June 22, 2020

Líneas Enisa 2020

Enisa
 

El Ministerio de Industria, Comercio y Turismo ya dispone de los fondos para las líneas Enisa.

El importe total será de 98,5 millones de euros y se destinará a las 3 líneas Enisa:

Enisa jóvenes emprendedores

Dirigida a pymes (y startups) de reciente constitución creadas por jóvenes para inversiones que precisa el proyecto en su fase inicial. Entre 25.000 y 75.000 euros con vencimiento a un máximo de 7 años y hasta 5 de carencia.

Enisa Emprendedores

Dirigida a apoyar las primeras fases de vida de pymes promovidas por emprendedores, sin límite de edad. Entre 25.000 y 300.000 euros a 7 años con hasta 5 de carencia.

Enisa Crecimiento

Dirigida a apoyar los proyectos empresariales de compañías interesadas en expandir su negocio o lograr una mejora competitiva. Entre 25.000 y 1.500.000 euros a 9 años con hasta 7 de carencia.

Si quieres que te ayudemos a conseguir tu Enisa...

Haz clic aquí para que te llamemos.

Un saludo,

Cristina

Wednesday, June 17, 2020

ICO para empresas

ICO Covid-19
 

ICO Covid-19

Línea de avales estatales para financiación para Pymes afectadas por la crisis sanitaria del Covid-19.

¿Para qué?

Atender las necesidades de financiación de empresas y autónomos para:

- Pago de salarios.

- Facturas.

- Necesidades de circulante.

- Necesidades de liquidez por pago de obligaciones financieras y tributarias.

¿Importe máximo?

Sin importe máximo pero determinadas por el impacto de la actual crisis sanitaria y económica en la operativa de cada empresa.

¿Tipo de operaciones?

Préstamos, reestructuraciones y circulante.

Si te interesa, podemos ayudarte a gestionar la liquidez que necesitas para sobrevivir a esta crisis.

Haz clic aquí para que te llamemos.

Un saludo,

Jorge

Tuesday, June 16, 2020

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28:002:006 Therefore, behold, I will hedge up thy way with thorns, and make a wall, that she shall not find her paths.10:021:006 Let seven men of his sons be delivered unto us, and we will hang them up unto the LORD in Gibeah of Saul, whom the LORD did choose. And the king said, I will give them.23:024:005 The earth also is defiled under the inhabitants thereof; because they have transgressed the laws, changed the ordinance, broken the everlasting covenant.41:006:014 And king Herod heard of him; (for his name was spread abroad:) and he said, That John the Baptist was risen from the dead, and therefore mighty works do shew forth themselves in him.06:019:026 And Alammelech, and Amad, and Misheal; and reacheth to Carmel westward, and to Shihorlibnath;26:038:009 Thou shalt ascend and come like a storm, thou shalt be like a cloud to cover the land, thou, and all thy bands, and many people with thee.53:001:012 That the name of our Lord Jesus Christ may be glorified in you, and ye in him, according to the grace of our God and the Lord Jesus Christ.03:016:003 Thus shall Aaron come into the holy place: with a young bullock for a sin offering, and a ram for a burnt offering.09:010:026 And Saul also went home to Gibeah; and there went with him a band of men, whose hearts God had touched.58:001:014 Are they not all ministering spirits, sent forth to minister for them who shall be heirs of salvation?01:023:014 And Ephron answered Abraham, saying unto him,25:004:016 The anger of the LORD hath divided them; he will no more regard them: they respected not the persons of the priests, they favoured not the elders.44:003:014 But ye denied the Holy One and the Just, and desired a murderer to be granted unto you;59:003:016 For where envying and strife is, there is confusion and every evil work.51:003:008 But now ye also put off all these; anger, wrath, malice, blasphemy, filthy communication out of your mouth.45:002:003 And thinkest thou this, O man, that judgest them which do such things, and doest the same, that thou shalt escape the judgment of God?24:005:006 Wherefore a lion out of the forest shall slay them, and a wolf of the evenings shall spoil them, a leopard shall watch over their cities: every one that goeth out thence shall be torn in pieces: because their transgressions are many, and their backslidings are increased.06:018:019 And the border passed along to the side of Bethhoglah northward: and the outgoings of the border were at the north bay of the salt sea at the south end of Jordan: this was the south coast.02:001:005 And all the souls that came out of the loins of Jacob were seventy souls: for Joseph was in Egypt already.03:009:020 And they put the fat upon the breasts, and he burnt the fat upon the altar:04:011:013 Whence should I have flesh to give unto all this people? for they weep unto me, saying, Give us flesh, that we may eat.07:013:020 For it came to pass, when the flame went up toward heaven from off the altar, that the angel of the LORD ascended in the flame of the altar. And Manoah and his wife looked on it, and fell on their faces to the ground.10:019:024 And Mephibosheth the son of Saul came down to meet the king, and had neither dressed his feet, nor trimmed his beard, nor washed his clothes, from the day the king departed until the day he came again in peace.58:006:013 For when God made promise to Abraham, because he could swear by no greater, he sware by himself,01:033:008 And he said, What meanest thou by all this drove which I met? And he said, These are to find grace in the sight of my lord.27:011:034 Now when they shall fall, they shall be holpen with a little help: but many shall cleave to them with flatteries.06:015:018 And it came to pass, as she came unto him, that she moved him to ask of her father a field: and she lighted off her ass; and Caleb said unto her, What wouldest thou?01:035:005 And they journeyed: and the terror of God was upon the cities that were round about them, and they did not pursue after the sons of Jacob.45:008:015 For ye have not received the spirit of bondage again to fear; but ye have received the Spirit of adoption, whereby we cry, Abba, Father.26:034:011 For thus saith the Lord GOD; Behold, I, even I, will both search my sheep, and seek them out.24:051:049 As Babylon hath caused the slain of Israel to fall, so at Babylon shall fall the slain of all the earth.26:016:040 They shall also bring up a company against thee, and they shall stone thee with stones, and thrust thee through with their swords.23:020:005 And they shall be afraid and ashamed of Ethiopia their expectation, and of Egypt their glory.43:011:001 Now a certain man was sick, named Lazarus, of Bethany, the town of Mary and her sister Martha.10:013:009 And she took a pan, and poured them out before him; but he refused to eat. And Amnon said, Have out all men from me. And they went out every man from him.22:005:005 I rose up to open to my beloved; and my hands dropped with myrrh, and my fingers with sweet smelling myrrh, upon the handles of the lock.02:035:002 Six days shall work be done, but on the seventh day there shall be to you an holy day, a sabbath of rest to the LORD: whosoever doeth work therein shall be put to death.45:004:017 (As it is written, I have made thee a father of many nations,) before him whom he believed, even God, who quickeneth the dead, and calleth those things which be not as though they were.23:049:016 Behold, I have graven thee upon the palms of my hands; thy walls are continually before me.10:011:008 And David said to Uriah, Go down to thy house, and wash thy feet. And Uriah departed out of the king's house, and there followed him a mess of meat from the king.41:011:023 For verily I say unto you, That whosoever shall say unto this mountain, Be thou removed, and be thou cast into the sea; and shall not doubt in his heart, but shall believe that those things which he saith shall come to pass; he shall have whatsoever he saith.42:001:052 He hath put down the mighty from their seats, and exalted them of low degree.26:036:034 And the desolate land shall be tilled, whereas it lay desolate in the sight of all that passed by.24:049:037 For I will cause Elam to be dismayed before their enemies, and before them that seek their life: and I will bring evil upon them, even my fierce anger, saith the LORD; and I will send the sword after them, till I have consumed them:26:013:012 Lo, when the wall is fallen, shall it not be said unto you, Where is the daubing wherewith ye have daubed it?02:037:008 One cherub on the end on this side, and another cherub on the other end on that side: out of the mercy seat made he the cherubims on the two ends thereof.23:037:007 Behold, I will send a blast upon him, and he shall hear a rumour, and return to his own land; and I will cause him to fall by the sword in his own land.34:003:012 All thy strong holds shall be like fig trees with the firstripe figs: if they be shaken, they shall even fall into the mouth of the eater.48:004:021 Tell me, ye that desire to be under the law, do ye not hear the law?45:002:010 But glory, honour, and peace, to every man that worketh good, to the Jew first, and also to the Gentile:50:001:017 But the other of love, knowing that I am set for the defence of the gospel.48:001:023 But they had heard only, That he which persecuted us in times past now preacheth the faith which once he destroyed.02:039:023 And there was an hole in the midst of the robe, as the hole of an habergeon, with a band round about the hole, that it should not rend.43:018:019 The high priest then asked Jesus of his disciples, and of his doctrine.02:037:028 And he made the staves of shittim wood, and overlaid them with gold.26:043:018 And he said unto me, Son of man, thus saith the Lord GOD; These are the ordinances of the altar in the day when they shall make it, to offer burnt offerings thereon, and to sprinkle blood thereon.05:009:023 Likewise when the LORD sent you from Kadeshbarnea, saying, Go up and possess the land which I have given you; then ye rebelled against the commandment of the LORD your God, and ye believed him not, nor hearkened to his voice.23:022:024 And they shall hang upon him all the glory of his father's house, the offspring and the issue, all vessels of small quantity, from the vessels of cups, even to all the vessels of flagons.23:003:011 Woe unto the wicked! it shall be ill with him: for the reward of his hands shall be given him.

Monday, June 15, 2020

Refuerza tu empresa

Problemas de tesorería
 

Todo parece indicar que la recuperación económica tras la pandemia (asumiendo que no tengamos el famoso rebrote en otoño) no será una rá V como nos decían al principio, sino que será una V asimétrica, como mínimo, o incluso una larga y destructiva L.

El BCE ha publicado unas proyecciones que auguran que el empleo no se recuperará hasta 2023 y que Europa sufrirá una caída del PIB de entre el 5,9 y el 12%. Para ponerlo en perspectiva, en 2009 (lo peor de la crisis de 2008) la caída del PIB de la eurozona fue del 4,4%.

Es decir, estamos ante una posible crisis económica muy importante y con consecuencias directas para empresas y autónomos.

No quiero ser catastrofista pero hay que estar preparados para lo peor. Y eso implica preparar la estructura de circulante de tu empresa para sobrevivir.

Ya lo hemos dicho más de una vez: por la caja muere la empresa.

Las pérdidas se superan pero si una empresa no tiene liquidez, es incapaz de hacer frente a sus pagos a proveedores, a los impuestos o a las nóminas de sus trabajadores... Eso sí puede significar su fin.

La que viene va a ser una crisis dura... anticípate y refuerza tu estructura de circulante antes de que sea demasiado tarde.

Si quieres que te ayudemos...

Haz clic aquí para que te llamemos.

Un saludo,

Elsa

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Thursday, June 11, 2020

MOMO Warehouse Shoe Sample Sale

Hi , 

I hope this message finds you safe and healthy!   We are happy to let you know that MOMO NEW YORK has a SHOE SAMPLE SALE tomorrow morning 6/12.



Please use link below and code 'shoesamplesale'  at checkout for 50% discount on all shoe sample sale items.   

https://momonewyork.com/collections/shoe-warehouse-sample-sale-online



Additionally also available is the Ready To Wear  WAREHOUSE SAMPLE SALE ( 60% off ) at link below:   (use code 'warehousesample' ) 


https://momonewyork.com/collections/momo-new-york-sale


Free worldwide shipping on all orders above $200,- 




Let us know if you have any questions at all.  We are happy to assist you.    


Happy shopping & please stay safe & healthy! :)



Best,

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FASHION DESIGN ROOM | 575 5th Avenue, New York, 10017, United States
 

Monday, June 8, 2020

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43:006:011 And Jesus took the loaves; and when he had given thanks, he distributed to the disciples, and the disciples to them that were set down; and likewise of the fishes as much as they would.27:002:019 Then was the secret revealed unto Daniel in a night vision. Then Daniel blessed the God of heaven.04:033:026 And they removed from Makheloth, and encamped at Tahath.24:052:026 So Nebuzaradan the captain of the guard took them, and brought them to the king of Babylon to Riblah.40:001:008 And Asa begat Josaphat; and Josaphat begat Joram; and Joram begat Ozias;58:004:009 There remaineth therefore a rest to the people of God.45:014:023 And he that doubteth is damned if he eat, because he eateth not of faith: for whatsoever is not of faith is sin.44:009:017 And Ananias went his way, and entered into the house; and putting his hands on him said, Brother Saul, the Lord, even Jesus, that appeared unto thee in the way as thou camest, hath sent me, that thou mightest receive thy sight, and be filled with the Holy Ghost.01:036:014 And these were the sons of Aholibamah, the daughter of Anah the daughter of Zibeon, Esau's wife: and she bare to Esau Jeush, and Jaalam, and Korah.04:014:031 But your little ones, which ye said should be a prey, them will I bring in, and they shall know the land which ye have despised.24:051:026 And they shall not take of thee a stone for a corner, nor a stone for foundations; but thou shalt be desolate for ever, saith the LORD.43:021:013 Jesus then cometh, and taketh bread, and giveth them, and fish likewise.27:011:012 And when he hath taken away the multitude, his heart shall be lifted up; and he shall cast down many ten thousands: but he shall not be strengthened by it.02:031:011 And the anointing oil, and sweet incense for the holy place: according to all that I have commanded thee shall they do.27:002:003 And the king said unto them, I have dreamed a dream, and my spirit was troubled to know the dream.59:005:014 Is any sick among you? let him call for the elders of the church; and let them pray over him, anointing him with oil in the name of the Lord:40:024:044 Therefore be ye also ready: for in such an hour as ye think not the Son of man cometh.05:031:020 For when I shall have brought them into the land which I sware unto their fathers, that floweth with milk and honey; and they shall have eaten and filled themselves, and waxen fat; then will they turn unto other gods, and serve them, and provoke me, and break my covenant.09:007:014 And the cities which the Philistines had taken from Israel were restored to Israel, from Ekron even unto Gath; and the coasts thereof did Israel deliver out of the hands of the Philistines. And there was peace between Israel and the Amorites.

Wednesday, June 3, 2020

Segunda fase ICO Covid

Segunda Fase ICO Covid-19
 

Novedades ICO Covid-19

Finalizada la primera fase de las líneas ICO Covid-19 el 20 de abril, las entidades asociadas ya se encuentran estudiando operaciones para la segunda fase.

¿Para qué?

Atender las necesidades de financiación de empresas y autónomos para:

- Pago de salarios.

- Facturas.

- Necesidades de circulante.

- Necesidades de liquidez por pago de obligaciones financieras y tributarias.

¿Importe máximo?

Sin importe máximo pero determinadas por el impacto de la actual crisis sanitaria y económica en la operativa de cada empresa.

¿Tipo de operaciones?

Préstamos, reestructuraciones y circulante.

Si te interesa, podemos ayudarte a gestionar la liquidez que necesitas para sobrevivir a esta crisis.

Haz clic aquí para que te llamemos.

Un saludo,

Carina