+ WHAT ARE THE ADVANTAGES OF THIS SCHEME?

Mainly it has two very clear advantages.

•  Granting insurance minimizes the creditor’s operational risks, given that companies who are normally in charge of emitting the insurance have an identifiable cash flow. Minimizing cost risks is generally done in a way in which financial operations may be done at a lower rate than the one available through guaranteed credits, by the company itself or its goods, especially in small businesses.

•  Financing access is greater for companies that comply with the requirements (Minimum 3 years of operation with financial capacity for debt). Under these programs, financing is more accessible, given that they are based on business flow and not asset possession or personal mortgage guarantees. Hiring these credits generally limits the company’s debt capacity.

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