{"id":686,"date":"2020-12-31T20:15:32","date_gmt":"2020-12-31T17:15:32","guid":{"rendered":"https:\/\/www.cursvalutar.ro\/blog\/?p=686"},"modified":"2022-06-04T23:52:38","modified_gmt":"2022-06-04T20:52:38","slug":"ce-este-imm-factor-si-cum-iti-poate-ajuta-afacerea","status":"publish","type":"post","link":"https:\/\/www.cursvalutar.ro\/blog\/ce-este-imm-factor-si-cum-iti-poate-ajuta-afacerea\/","title":{"rendered":"Ce este IMM Factor \u0219i cum \u00ee\u021bi poate ajuta afacerea"},"content":{"rendered":"

Sunt deja 10 luni de c\u00e2nd s-a declan\u0219at<\/a> pandemia Covid-19 \u0219i provoc\u0103rile continu\u0103 pentru fiecare dintre noi, mai ales pentru antreprenorii care \u00eencearc\u0103 s\u0103 \u00ee\u0219i salveze afacerile. IMM Factor este un instrument de ajutor de care ace\u0219tia pot dispune, \u00eencep\u00e2nd din luna august, pentru a-\u0219i ajuta business-urile.<\/p>\n

Pandemia Covid-19 a creat deficit \u0219i vulnerabilitate \u00een multe sectoare de activitate, iar faptul c\u0103 nu \u0219tim c\u00e2t va mai dura aceast\u0103 situa\u021bie ne determin\u0103 s\u0103 ne a\u0219tept\u0103m la o criz\u0103 financiar\u0103<\/a> dificil\u0103.<\/p>\n

Ce este IMM Factor<\/h2>\n

IMM Factor este a treia component\u0103 guvernamental\u0103 dup\u0103 IMM Leasing \u0219i IMM Invest<\/a>, dedicat\u0103 micilor afaceri pentru a dep\u0103\u0219i perioada critic\u0103. Aceasta presupune subven\u021bionarea costurilor de creditare \u0219i a celor de garantare pentru finan\u021b\u0103rile tip factoring.<\/p>\n

\u00cen acest fel IMM-urile beneficiaz\u0103 de plata la timp sau \u00eenainte de scaden\u021ba facturilor emise c\u0103tre partenerii s\u0103i finan\u021bat\u0103 de banc\u0103 \u00een propor\u021bie de 80%, de administrarea crean\u021belor \u0219i colectarea amiabil\u0103 a acestora \u0219i preluarea riscului de neplat\u0103 a partenerului s\u0103u (Guvernul Rom\u00e2niei garanteaz\u0103 \u00een propor\u021bie de 50% finan\u021batorului plata acestei facturi).<\/p>\n

Ajutorul statului \u00eenseamn\u0103 cu alte cuvinte, c\u0103 atunci c\u00e2nd un comerciant emite o factur\u0103 cu plata la un anumit termen, acesta poate merge c\u0103tre o banc\u0103 comercial\u0103 s\u0103 cear\u0103 plata imediat\u0103 pentru 80% din suma facturat\u0103, iar banca preia obligativitatea de plat\u0103 a clientului av\u00e2nd de la stat garan\u021bia de 50% pentru aceast\u0103 finan\u021bare. C\u00e2nd clientul c\u0103tre care a emis comerciantul factura achit\u0103 suma respectiv\u0103, banca livreaz\u0103 \u0219i diferen\u021ba de 20%.<\/p>\n

Este o perioad\u0103 foarte dificil\u0103 pentru to\u021bi antreprenorii, de aceea scopul acestui program guvernamental este s\u0103 ajute deblocarea economiei cel pu\u021bin \u00een ceea ce prive\u0219te plata furnizorilor pentru supravie\u021buirea \u0219i continuitatea afacerilor<\/a>.<\/p>\n

Cum \u00ee\u021bi poate ajuta IMM Factor afacerea<\/h2>\n

Programul se adreseaz\u0103 firmelor mici \u0219i eligibile din toate sectoarele de activitate, p\u00e2n\u0103 la 31 decembrie 2020. Beneficiarii programului vor putea ob\u021bine de la b\u0103ncile \u00eenscrise \u00een program finan\u021b\u0103ri pe baza facturilor comerciale, cu un plafon de garantare<\/a> de 5.000.000 lei\/ beneficiar.<\/p>\n

Firmele mici \u0219i medii sunt o resurs\u0103 important\u0103 pe pia\u021ba muncii pentru crearea locurilor de munc\u0103 \u0219i pentru plata taxelor c\u0103tre stat. Scopul \u0219i interesul statului este s\u0103 sprijine IMM-urile pentru dep\u0103\u0219irea provoc\u0103rilor cauzate de pandemia Covid-19, astfel \u00eenc\u00e2t economia Rom\u00e2niei s\u0103 nu se pr\u0103bu\u0219easc\u0103.<\/p>\n

Circuitul economic depinde nu doar de clientul final, ci \u0219i de rela\u021bia financiar\u0103 dintre comercian\u021bi. Iar dac\u0103 unul dintre ace\u0219tia nu \u00ee\u0219i prime\u0219te la timp \u00eencas\u0103rile (sau nu dispune de bani pentru a-\u0219i achizi\u021biona materia prim\u0103\/ plata salariilor\/ plata chiriei, etc), acesta se afl\u0103 \u00een imposibilitatea de a-\u0219i continua afacerea.<\/p>\n

Firmele mici \u0219i mijlocii reprezint\u0103 un instrument potent \u00een economia Rom\u00e2niei, motiv pentru care de-a lungul timpului au fost anun\u021bate diverse fonduri \u0219i finan\u021b\u0103ri<\/a> posibile de accesat.<\/p>\n

IMM Factor este o solu\u021bie pe termen scurt \u0219i rapid\u0103 care ajut\u0103 antreprenorii afacerilor mici \u0219i medii s\u0103 \u00ee\u0219i salveze business-urile. B\u0103ncile sunt un partener economic important acum, un colaborator facil pentru a sus\u021bine viitorul \u00een economie actualilor \u0219i viitorilor s\u0103i clien\u021bi. \u0218i ele au de pierdut: cu c\u00e2t se \u00eenchid mai multe afaceri, cu at\u00e2t le scad \u0219i lor num\u0103rul de poten\u021biali clien\u021bi.<\/p>\n

Dac\u0103 \u0219i tu e\u0219ti antreprenor, atunci IMM Factor este \u0219i pentru tine. Este foarte greu, dar important ca \u00een perioadele de criz\u0103 s\u0103 \u00ee\u021bi po\u021bi consolida parteneriatele, s\u0103 \u00ee\u021bi po\u021bi men\u021bine colabor\u0103rile cu furnizorii. Iar dac\u0103 prezentul afacerii tale depinde de o viitoare \u00eencasare, acesta este momentul potrivit s\u0103 apelezi la acest program g\u00e2ndit pentru tine \u0219i nevoile urgente ale business-ului t\u0103u.<\/p>\n","protected":false},"excerpt":{"rendered":"

Situa\u021biile urgente cer solu\u021bii rapide. Afl\u0103 ce este IMM Factor, cum po\u021bi intra \u00een cel mai nou program financiar dedicat micilor afaceri \u0219i cum te ajut\u0103 s\u0103 dep\u0103\u0219e\u0219ti criza financiar\u0103 declan\u0219at\u0103 de Covid-19.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-686","post","type-post","status-publish","format-standard","hentry","category-educatie-financiara"],"yoast_head":"\nCe este IMM Factor \u0219i cum \u00ee\u021bi poate ajuta afacerea - Blog CursValutar.ro<\/title>\n<meta name=\"description\" content=\"Intr\u0103 pe cursvalutar.ro \u0219i cite\u0219te despre IMM Factor, cel mai rapid instrument economic care \u00ee\u021bi poate salva afacerea \u00een pandemia Covid-19.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cursvalutar.ro\/blog\/ce-este-imm-factor-si-cum-iti-poate-ajuta-afacerea\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ce este IMM Factor \u0219i cum \u00ee\u021bi poate ajuta afacerea - 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