{"id":9678,"date":"2026-02-11T11:57:46","date_gmt":"2026-02-11T09:57:46","guid":{"rendered":"https:\/\/proves.cecot.org\/?p=7632"},"modified":"2026-04-27T18:30:25","modified_gmt":"2026-04-27T16:30:25","slug":"prestecs-de-25-000e-a-150-000e-per-inversio-i-circulant","status":"publish","type":"post","link":"https:\/\/helpempresa.com\/es\/prestecs-de-25-000e-a-150-000e-per-inversio-i-circulant\/","title":{"rendered":"Pr\u00e9stecs de 25.000\u20ac a 150.000\u20ac per inversi\u00f3 i circulant\u00a0"},"content":{"rendered":"\n<h2 class=\"wp-block-heading has-text-align-center\">Convocat\u00f2ria 2026: L\u00ednia ICF Lidera Comer\u00e7<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Objectiu<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Facilitar finan\u00e7ament al comer\u00e7 al detall i serveis assimilats per impulsar el creixement, millorar la competitivitat i mantenir l\u2019activitat econ\u00f2mica i l\u2019ocupaci\u00f3 a Catalunya, mitjan\u00e7ant pr\u00e9stecs amb condicions preferents per a inversi\u00f3 i circulant.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Tipologia d\u2019actuacions&nbsp;<\/strong>&nbsp;<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Inversi\u00f3<\/strong>: adquisici\u00f3 d\u2019actius materials i immaterials (equipaments, obres, actius fixos, immobles, etc.).&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Circulant:<\/strong>&nbsp;necessitats de tresoreria, estocs, mat\u00e8ria primera o finan\u00e7ament de clients (m\u00e0xim 25% de l\u2019import del pr\u00e9stec).&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Beneficiaris<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Persones f\u00edsiques i persones jur\u00eddiques del sector del&nbsp;<strong>comer\u00e7 al detall i serveis assimilats<\/strong>, incloent-hi, entre d\u2019altres: tallers, perruqueries, serveis de reparaci\u00f3, tintoreries, copisteries, bars, cafeteries, restaurants, c\u00e0tering i ag\u00e8ncies&nbsp;de&nbsp;viatges.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Antiguitat m\u00ednima de 4 anys de l\u2019activitat.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Microempresa, petita o mitjana empresa.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Seu social o centre de treball a Catalunya.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Punt de venda o servei f\u00edsic a peu de carrer (o projecte de creaci\u00f3).&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Creixement de la facturaci\u00f3 superior a l\u2019IPC acumulat dels darrers 3 anys.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Quantia i condicions dels pr\u00e9stecs<\/strong>&nbsp;<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Import:&nbsp;entre 25.000 i 150.000\u20ac&nbsp;(per beneficiari \/ empresa \u00fanica)&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tipus d\u2019inter\u00e8s: fix del&nbsp;0,95%,&nbsp;(ja inclou&nbsp;bonificaci\u00f3 de fins al 3%)&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Termini: entre 1 i 7 anys&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Car\u00e8ncia: fins a 1 any&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Comissi\u00f3 d\u2019obertura: 0%&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dotaci\u00f3 total de la l\u00ednia: 16 M\u20ac&nbsp;(fins a 4 M\u20ac per restauraci\u00f3)&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Termini de&nbsp;presentaci\u00f3<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Des de l\u2019endem\u00e0 de la publicaci\u00f3 al DOGC i&nbsp;<strong>fins a exhaurir el pressupost<\/strong>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Documentaci\u00f3 i requisits principals<\/strong>&nbsp;<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mem\u00f2ria de la inversi\u00f3 i pressupost detallat.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pla de negoci (especialment rellevant per a l\u2019elegibilitat del projecte).&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Documentaci\u00f3 econ\u00f2mica i fiscal (IRPF o IS, IVA, CIRBE, mapa bancari).&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Acreditaci\u00f3 de viabilitat econ\u00f2mica i compliment d\u2019obligacions tribut\u00e0ries i amb la Seguretat Social.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Llic\u00e8ncia d\u2019activitat i documentaci\u00f3 del local, si escau.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Criteris&nbsp;d\u2019elegibilitat del projecte<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Els projectes han de complir&nbsp;<strong>com a m\u00ednim 4 criteris<\/strong>&nbsp;segons el tipus de negoci:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Exist\u00e8ncia d\u2019un pla de negoci s\u00f2lid.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Imatge i identitat de marca definida.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pres\u00e8ncia digital i sistemes d\u2019an\u00e0lisi o fidelitzaci\u00f3.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Qualitat del producte\/servei, certificacions i adequaci\u00f3 de l\u2019establiment.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Compatibilitat i condicions<\/strong>&nbsp;<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pr\u00e9stecs en r\u00e8gim de concurr\u00e8ncia no competitiva.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Subjectes a normativa d\u2019ajuts d\u2019Estat (r\u00e8gim de&nbsp;minimis).&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Incompatibles amb altres l\u00ednies de finan\u00e7ament de la Direcci\u00f3 General de Comer\u00e7 per al mateix projecte.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Des de&nbsp;<strong>HelpEmpresa,&nbsp;<\/strong>t\u2019ajudem en tot el proc\u00e9s de&nbsp;<strong>tramitaci\u00f3 de la subvenci\u00f3, i resoluci\u00f3 de dubtes i consultes:<\/strong>&nbsp;<a href=\"mailto:info@helpempresa.com\" target=\"_blank\" rel=\"noreferrer noopener\">info@helpempresa.com<\/a>&nbsp;&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Convocat\u00f2ria 2026: L\u00ednia ICF Lidera Comer\u00e7 Objectiu&nbsp; Facilitar finan\u00e7ament al comer\u00e7 al detall i serveis assimilats per impulsar el creixement, millorar la competitivitat i mantenir l\u2019activitat econ\u00f2mica i l\u2019ocupaci\u00f3 a Catalunya, mitjan\u00e7ant pr\u00e9stecs amb condicions preferents per a inversi\u00f3 i circulant.&nbsp; Tipologia d\u2019actuacions&nbsp;&nbsp; Beneficiaris&nbsp; Persones f\u00edsiques i persones jur\u00eddiques del sector del&nbsp;comer\u00e7 al detall i [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":6314,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","inline_featured_image":false,"ai_generated_summary":"","footnotes":""},"categories":[69],"tags":[],"class_list":["post-9678","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-informacions-interes"],"acf":[],"_links":{"self":[{"href":"https:\/\/helpempresa.com\/es\/wp-json\/wp\/v2\/posts\/9678","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/helpempresa.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/helpempresa.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/helpempresa.com\/es\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/helpempresa.com\/es\/wp-json\/wp\/v2\/comments?post=9678"}],"version-history":[{"count":1,"href":"https:\/\/helpempresa.com\/es\/wp-json\/wp\/v2\/posts\/9678\/revisions"}],"predecessor-version":[{"id":9694,"href":"https:\/\/helpempresa.com\/es\/wp-json\/wp\/v2\/posts\/9678\/revisions\/9694"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/helpempresa.com\/es\/wp-json\/wp\/v2\/media\/6314"}],"wp:attachment":[{"href":"https:\/\/helpempresa.com\/es\/wp-json\/wp\/v2\/media?parent=9678"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/helpempresa.com\/es\/wp-json\/wp\/v2\/categories?post=9678"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/helpempresa.com\/es\/wp-json\/wp\/v2\/tags?post=9678"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}