{"id":14071,"date":"2025-08-18T11:17:44","date_gmt":"2025-08-18T09:17:44","guid":{"rendered":"https:\/\/www.rm-assessors.cat\/?p=14071"},"modified":"2025-08-18T12:34:01","modified_gmt":"2025-08-18T10:34:01","slug":"modernitza-digitalitza-i-creix-aprofita-la-linia-ico-mrr-empreses-i-emprenedors","status":"publish","type":"post","link":"https:\/\/www.rm-assessors.cat\/es\/modernitza-digitalitza-i-creix-aprofita-la-linia-ico-mrr-empreses-i-emprenedors\/","title":{"rendered":"Modernitza, digitalitza i creix: aprofita la L\u00ednia ICO MRR Empreses i Emprenedors"},"content":{"rendered":"
La L\u00ednia ICO MRR Empreses i Emprenedors cobreix fins al 100\u202f% del cost d’inversi\u00f3 en projectes viables, digitals i sostenibles. Una oportunitat real per a transformar el teu negoci amb suport europeu. El termini per a sol\u00b7licitar-lo \u00e9s fins a l’1 de juny de 2026.<\/h5>\n
\n

Una l\u00ednia flexible, \u00e0mplia i estrat\u00e8gica<\/strong><\/h3>\n

La principal virtut d’aquesta nova l\u00ednia \u00e9s la seva amplitud i versatilitat. No es tracta d’un ajut sectorial limitat a determinades empreses tecnol\u00f2giques o projectes verds. Tot el contrari. Aquesta l\u00ednia permet finan\u00e7ar des de l’obertura d’una nova l\u00ednia de producci\u00f3, l’adquisici\u00f3 de maquin\u00e0ria, la digitalitzaci\u00f3 de processos, l’expansi\u00f3 internacional, o fins i tot cobrir part del circulant necessari per a dur a terme la inversi\u00f3.<\/p>\n

A m\u00e9s, es contemplen dos trams espec\u00edfics:<\/h4>\n
    \n
  • Un destinat al sector tur\u00edstic<\/strong>, amb focus en sostenibilitat, modernitzaci\u00f3 i impacte territorial.<\/li>\n<\/ul>\n
      \n
    • Un altre enfocat en projectes de digitalitzaci\u00f3 d’universitats, emmarcats en el PERTE de la Nova Economia de la Llengua, promogut pel Govern per a refor\u00e7ar el valor del castell\u00e0 en la transformaci\u00f3 digital global.<\/li>\n<\/ul>\n

      Tots dos trams reflecteixen com s’alineen les prioritats del pla de recuperaci\u00f3 amb els sectors m\u00e9s estrat\u00e8gics de la nostra economia: turisme, coneixement i digitalitzaci\u00f3.<\/p>\n

      Condicions atractives per a finan\u00e7ar fins al 100\u202f% del projecte<\/strong><\/h3>\n

      Un altre aspecte clau \u00e9s que permet finan\u00e7ar fins al 100\u202f% del cost del projecte d’inversi\u00f3, excl\u00f2s l’IVA, una cosa poc habitual en finan\u00e7ament bancari tradicional. L’operaci\u00f3 es pot estructurar com a pr\u00e9stec o com a l\u00edsing, i els terminis d’amortitzaci\u00f3 van des d’1 fins a 20 anys, amb fins a 3 anys de car\u00e8ncia.<\/p>\n

      El tipus d’inter\u00e8s pot ser fix o variable, per\u00f2 sempre dins d’uns l\u00edmits marcats per l’ICO que asseguren que el finan\u00e7ament sigui competitiu. El tipus efectiu (TAE) varia segons el termini, per\u00f2 oscil\u00b7la entre el 2,30\u202f% i el 4,30\u202f% segons la durada i el perfil de risc.<\/p>\n

      Tamb\u00e9 s’admet el finan\u00e7ament de capital circulant vinculat al projecte, fins a un 50\u202f% del total, amb excepci\u00f3 de les universitats, que han de destinar el 100\u202f% del pr\u00e9stec a digitalitzaci\u00f3 o R+D.<\/p>\n

      Requisits i documentaci\u00f3: el que has de saber abans de sol\u00b7licitar-la<\/strong><\/h3>\n

      Per a accedir a aquest finan\u00e7ament, les empreses han de tramitar la seva sol\u00b7licitud directament amb les entitats financeres col\u00b7laboradores de l’ICO. No es tracta d’una subvenci\u00f3 directa, sin\u00f3 de finan\u00e7ament bonificat: aix\u00f2 significa que, encara que l’entitat banc\u00e0ria fa la seva an\u00e0lisi de riscos habitual, l’ICO trasllada part del cost financer gr\u00e0cies als fons europeus.<\/p>\n

      \u00c9s imprescindible que el projecte no sigui finan\u00e7at per altres fons europeus o nacionals per als mateixos conceptes (principi de no doble finan\u00e7ament). A m\u00e9s, el projecte ha d’haver-se iniciat a partir de l’1 de gener de l’any anterior a la signatura del pr\u00e9stec i executar-se en un m\u00e0xim de quatre anys.<\/p>\n

      Tamb\u00e9 s’exigeix una declaraci\u00f3 responsable de compliment amb els principis mediambientals europeus (DNSH), i el compliment de la normativa d’ajuts d’Estat (de minimis<\/em>).<\/p>\n

      QUADRE RESUM ‘ L\u00ednia ICO MRR Empreses i Emprenedors<\/strong><\/h3>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
      Concepte<\/strong><\/th>\nDetall<\/strong><\/th>\n<\/tr>\n<\/thead>\n
      A qui es dirigeix?<\/strong><\/td>\nAut\u00f2noms, empreses privades amb inter\u00e8s espanyol i universitats (tram NEL)<\/td>\n<\/tr>\n
      Qu\u00e8 finan\u00e7a?<\/strong><\/td>\nProjectes d’inversi\u00f3, digitalitzaci\u00f3, modernitzaci\u00f3, turisme, capital circulant (m\u00e0x. 50\u202f%)<\/td>\n<\/tr>\n
      Import<\/strong><\/td>\nFins al 100\u202f% del cost del projecte, sense IVA<\/td>\n<\/tr>\n
      Terminis<\/strong><\/td>\n1 a 20 anys, fins a 3 anys de car\u00e8ncia<\/td>\n<\/tr>\n
      Modalitat<\/strong><\/td>\nPr\u00e9stec o l\u00edsing<\/td>\n<\/tr>\n
      Tipus d’inter\u00e8s<\/strong><\/td>\nFix o variable, amb l\u00edmits de TAE entre 2,3\u202f% i 4,3\u202f%<\/td>\n<\/tr>\n
      On sol\u00b7licitar-la<\/strong><\/td>\nEn entitats financeres col\u00b7laboradores de l’ICO<\/td>\n<\/tr>\n
      Termini per a sol\u00b7licitar-la<\/strong><\/td>\nFins a l’1 de juny de 2026<\/td>\n<\/tr>\n
      Formalitzaci\u00f3<\/strong><\/td>\nFins al 31 d’agost de 2026<\/td>\n<\/tr>\n
      Trams espec\u00edfics<\/strong><\/td>\nTurisme i universitats (PERTE Nova Economia de la Llengua)<\/td>\n<\/tr>\n
      Ajut compatible<\/strong><\/td>\nNo compatible amb altres ajuts europeus per als mateixos conceptes<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

      Un canal accessible per a projectes viables i transformadors<\/strong><\/h3>\n

      La L\u00ednia ICO MRR Empreses i Emprenedors no \u00e9s una l\u00ednia per a finan\u00e7ar activitats ordin\u00e0ries ni inversions poc definides. Est\u00e0 orientada a projectes estructurats, amb impacte transformador, tant en l’\u00e0mbit tecnol\u00f2gic com mediambiental o organitzatiu. En aquest sentit, s’alinea perfectament amb els objectius de creixement a llarg termini que moltes empreses han posposat per falta de finan\u00e7ament.<\/p>\n

      \"\"<\/p>\n

      Som Gestors Administratius. Consuteu-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","protected":false},"excerpt":{"rendered":"

      La L\u00ednia ICO MRR Empreses i Emprenedors cobreix fins al 100\u202f% del cost d’inversi\u00f3 en projectes viables, digitals i sostenibles. Una oportunitat real per a transformar el teu negoci amb suport europeu. El termini per a sol\u00b7licitar-lo \u00e9s fins a l’1 de juny de 2026. Una l\u00ednia flexible, \u00e0mplia i estrat\u00e8gica La principal virtut d’aquesta […]<\/p>\n","protected":false},"author":18,"featured_media":14068,"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":[3156,3157,3155],"class_list":["post-14071","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-butlleti-mensual","category-fiscal-i-comptable","tag-empreses-i-emprenedors","tag-financiacion-100-projectes","tag-linia-ico-mrr"],"acf":[],"yoast_head":"\nModernitza, digitalitza i creix: aprofita la L\u00ednia ICO MRR Empreses i Emprenedors | 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\/es\/modernitza-digitalitza-i-creix-aprofita-la-linia-ico-mrr-empreses-i-emprenedors\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Modernitza, digitalitza i creix: aprofita la L\u00ednia ICO MRR Empreses i Emprenedors | RM Assessors\" \/>\n<meta property=\"og:description\" content=\"La L\u00ednia ICO MRR Empreses i Emprenedors cobreix fins al 100\u202f% del cost d’inversi\u00f3 en projectes viables, digitals i sostenibles. 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