{"id":14145,"date":"2025-09-10T17:19:25","date_gmt":"2025-09-10T15:19:25","guid":{"rendered":"https:\/\/www.rm-assessors.cat\/?p=14145"},"modified":"2025-10-08T18:38:07","modified_gmt":"2025-10-08T16:38:07","slug":"ico-creixement-financament-directe-i-100-digital-per-a-pimes-amb-futur","status":"publish","type":"post","link":"https:\/\/www.rm-assessors.cat\/en\/ico-creixement-financament-directe-i-100-digital-per-a-pimes-amb-futur\/","title":{"rendered":"ICO Creixement: finan\u00e7ament directe i 100% digital per a pimes amb futur"},"content":{"rendered":"
L’Institut de Cr\u00e8dit Oficial (ICO) permetr\u00e0 a pimes amb almenys quatre anys de traject\u00f2ria finan\u00e7ar inversi\u00f3 i liquiditat en condicions competitives, amb un proc\u00e9s \u00edntegrament digital.<\/em><\/h5>\n
\n

L’ICO ha presentat la primera eina de finan\u00e7ament directe 100% digital dissenyada per a fer costat a aquelles companyies amb projectes viables i potencial d’expansi\u00f3 que, no obstant aix\u00f2, troben obstacles en els canals financers tradicionals.<\/p>\n

Quines empreses es podran finan\u00e7ar amb “ICO Creixement”<\/h3>\n
    \n
  • Pimes amb m\u00e9s de quatre anys d’antiguitat.<\/li>\n
  • Empreses amb comptes auditats en els dos \u00faltims exercicis, o b\u00e9 amb aval p\u00fablic.<\/li>\n
  • Sectors innovadors, companyies basades en intangibles i projectes amb un nivell de deute elevat per\u00f2 sostenible.<\/li>\n<\/ul>\n

    La filosofia \u00e9s senzilla: quan la banca tradicional tanca la porta, l’ICO obre una alternativa.<\/p>\n

    Quines son les condicions financeres ?<\/h3>\n
      \n
    • Termini de vig\u00e8ncia:<\/strong> sol\u00b7licituds fins al 31 de desembre de 2027.<\/li>\n
    • Finalitat:<\/strong> projectes d’inversi\u00f3 i necessitats de liquiditat lligades a l’activitat empresarial.<\/li>\n
    • Terminis d’amortitzaci\u00f3:<\/strong> entre 5 i 10 anys, amb possibilitat de car\u00e8ncia.<\/li>\n
    • Tipus d’inter\u00e8s:<\/strong> referenciat a l’EURIBOR + un marge del 0,75% a l’1,75%, en funci\u00f3 del risc de l’operaci\u00f3.<\/li>\n
    • En cofinan\u00e7ament amb banca privada<\/strong>, el tipus pot ser encara m\u00e9s competitiu.<\/li>\n
    • Moneda:<\/strong> euros.<\/li>\n
    • Garanties:<\/strong> es valorar\u00e0 cada projecte; en cas d’aval p\u00fablic, acc\u00e9s m\u00e9s flexible.<\/li>\n
    • Comissions:<\/strong> limitades a les d’estudi i obertura.<\/li>\n<\/ul>\n

      Quin procediment s’ha de seguir per a sol\u00b7licitar el finan\u00e7ament ?<\/h3>\n

      L’ICO aposta per la plataforma ICO en l\u00ednia, que permet gestionar tot el proc\u00e9s a dist\u00e0ncia: des de la sol\u00b7licitud fins a la signatura notarial. El sistema integra validacions autom\u00e0tiques amb organismes com l’Ag\u00e8ncia Tribut\u00e0ria, Banc d’Espanya i Seguretat Social, reduint tr\u00e0mits i guanyant agilitat.<\/p>\n

      A m\u00e9s, s’apliquen r\u00e0tings interns i tra\u00e7abilitat digital completa per a avaluar riscos de manera rigorosa, garantint seguretat tant per a l’ICO com per al sol\u00b7licitant.<\/p>\n

      Encara que ICO Creixement \u00e9s digital s’ha desplegat una xarxa de 21 assessors territorials, que actuaran com a ambaixadors del programa en totes les comunitats aut\u00f2nomes.<\/p>\n

      Aquests delegats tindran un paper clau: ajudar les pimes a preparar plans de negoci, acompanyar-les en la sol\u00b7licitud i difondre la iniciativa en sectors estrat\u00e8gics.<\/p>\n

      Exemple d’empresa que podria sol\u00b7licitar aquest finan\u00e7ament:<\/h3>\n

      Una empresa tecnol\u00f2gica amb set anys de traject\u00f2ria, especialitzada en solucions de ciberseguretat, necessita 2 milions d’euros per a expandir-se a Europa. La banca tradicional considera arriscat el projecte pel seu alt component intangible.<\/p>\n

      Amb ICO Creixement, la companyia pot accedir a un pr\u00e9stec a vuit anys, amb 2 de car\u00e8ncia, a l’EURIBOR + 1%, acreditant els seus comptes auditats i un pla de negoci viable. D’aquesta manera, el finan\u00e7ament es converteix en el trampol\u00ed per a la seva internacionalitzaci\u00f3.<\/p>\n

      Caracter\u00edstiques de l’ICO Creixement:<\/h3>\n

      ICO Creixement<\/strong> marca un abans i un despr\u00e9s en l’acc\u00e9s a finan\u00e7ament p\u00fablic per a pimes:<\/p>\n

        \n
      • M\u00e9s \u00e0gil i digital, sense paperassa innecess\u00e0ria.<\/li>\n
      • Amb suport pr\u00f2xim a trav\u00e9s de la xarxa territorial.<\/li>\n
      • I amb condicions dissenyades perqu\u00e8 cap empresa viable es quedi sense cr\u00e9ixer per falta de cr\u00e8dit.<\/li>\n<\/ul>\n

        \"\"<\/p>\n

        Som assessors fiscals i comptables. Consulteu-nos sense comprom\u00eds trucant al 972 208 258, o per correu electr\u00f2nic adre\u00e7at a info@rm-assessors.cat.<\/em><\/span><\/h3>\n

         <\/p>\n","protected":false},"excerpt":{"rendered":"

        L’Institut de Cr\u00e8dit Oficial (ICO) permetr\u00e0 a pimes amb almenys quatre anys de traject\u00f2ria finan\u00e7ar inversi\u00f3 i liquiditat en condicions competitives, amb un proc\u00e9s \u00edntegrament digital. L’ICO ha presentat la primera eina de finan\u00e7ament directe 100% digital dissenyada per a fer costat a aquelles companyies amb projectes viables i potencial d’expansi\u00f3 que, no obstant aix\u00f2, […]<\/p>\n","protected":false},"author":18,"featured_media":14142,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_joinchat":[],"footnotes":""},"categories":[21,16],"tags":[3197,3195,3196],"class_list":["post-14145","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-butlleti-mensual","category-fiscal-i-comptable","tag-credits-ico-empreses","tag-financament-ico-creixement","tag-financament-pimes-empreses"],"acf":[],"yoast_head":"\nICO Creixement: finan\u00e7ament directe i 100% digital per a pimes amb futur | RM Assessors<\/title>\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.rm-assessors.cat\/en\/ico-creixement-financament-directe-i-100-digital-per-a-pimes-amb-futur\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ICO Creixement: finan\u00e7ament directe i 100% digital per a pimes amb futur | RM Assessors\" \/>\n<meta property=\"og:description\" content=\"L’Institut de Cr\u00e8dit Oficial (ICO) permetr\u00e0 a pimes amb almenys quatre anys de traject\u00f2ria finan\u00e7ar inversi\u00f3 i liquiditat en condicions competitives, amb un proc\u00e9s \u00edntegrament digital. L’ICO ha presentat la primera eina de finan\u00e7ament directe 100% digital dissenyada per a fer costat a aquelles companyies amb projectes viables i potencial d’expansi\u00f3 que, no obstant aix\u00f2, […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.rm-assessors.cat\/en\/ico-creixement-financament-directe-i-100-digital-per-a-pimes-amb-futur\/\" \/>\n<meta property=\"og:site_name\" content=\"RM Assessors\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/rmassessors\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-10T15:19:25+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-08T16:38:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2025\/09\/pexels-photo-33827319-1757487289_1757491115image.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"810\" \/>\n\t<meta property=\"og:image:height\" content=\"450\" \/>\n\t<meta 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