Financiamento para Empresas | Linha de Garantia Impulsar Portugal
Até 1.500.000.000 EUR de montante global de financiamento, distribuídos por quatro linhas específicas.
Linha de Garantia Impulsar Portugal
A Linha Impulsar Portugal disponibiliza soluções de financiamento para diferentes necessidades das empresas, desde a tesouraria ao investimento estratégico e à criação de novos negócios. Inclui ainda uma solução destinada à emissão de garantias técnicas.
Finalidade
Curto Prazo
Até 7.500.000 EUR
Destinada a financiar necessidades de tesouraria de curto prazo, renovável, nomeada mas não exclusivamente via conta corrente, financiamento por livrança, papel comercial, desconto sobre o estrangeiro, factoring e confirming.
Investimento Estratégico
Até 25.000.000 EUR
Destinada a financiar investimento estratégico das Empresas, em sede de aquisição de participações sociais no âmbito de processos de sucessão empresarial ou aumento de escala, bem como de leasings mobiliários ou imobiliários.
Novos Negócios
Até 1.000.000 EUR
Destinada a financiar investimento e fundo de maneio no arranque de empresas.
Garantias Técnicas
Até 2.500.000 EUR
Destinada à emissão de garantias de boa execução, concurso, cumprimento ou pagamento, entre outras, prestadas diretamente ao beneficiário final ou como contragarantia de garantia prestada.
Até 31 de dezembro de 2028, sendo que as datas de aberturas e de encerramentos da Linha e suas sublinhas será expressamente comunicada pelo BPF. O BPF pode anunciar a revogação da Linha de Garantia Mútua nos termos definidos nas Condições Gerais.
Curto Prazo
Eligible operations
Short-term financing, whether renewable or not, including but not limited to current account facilities, promissory note financing, commercial paper, foreign bill discounting, factoring and confirming.
Eligible companies
Companies that meet the conditions set out in the General Conditions applicable to the Mutual Guarantee Facilities under the Agreement.
Maximum amount per company
7,500,000 EUR.
Total financing term
Up to 60 months.
For more information, please refer to the disclosure document.
Grace period
Not applicable.
Amortisation
Agreed between the IC and the Company in accordance with the Company’s needs.
For more information, please refer to the disclosure document.
Loan agreement spread
The maximum spread will be calculated in accordance with the risk rating of each credit institution and the maturity of the transaction.
Maximum guarantee fee
The guarantee fee will be charged on the guaranteed amount and calculated according to the company's rating, the type of company and the maturity of the transaction.
For more information, please refer to the disclosure document.
% Mutual guarantee / % counter guarantee
50% / 60%.
Investimento Estratégico
Eligible operations
Medium- to long-term financing intended for the following:
(i) the acquisition of shareholdings in the context of business succession processes, expansion, or Management Buyout (MBO) and Management Buyin (MBI) transactions;
(ii) movable and immovable property leases, including the sharing of the leased asset; or
(iii) financing the investment operations of viable companies intending to acquire companies in financial difficulty or undergoing insolvency proceedings.
For more information, please refer to the disclosure document.
Eligible companies
Companies that meet the conditions set out in the General Conditions applicable to the Mutual Guarantee Facilities under the Agreement, and that cumulatively meet the following conditions in the specific case of transactions for the acquisition of shareholdings in the context of business succession, expansion, or MBO and MBI transactions.
For more information, please refer to the disclosure document.
Maximum amount per company
25,000,000 EUR.
Total Financing Term
The loan can be repaid over a period of up to 144 months from the date it is taken out.
Grace period
Up to 36 months from the date the loan is taken out.
Loan agreement spread
The maximum spread will be calculated in accordance with the risk rating of each credit institution and the maturity of the transaction.
Maximum guarantee commission
The guarantee fee will be charged on the guaranteed amount and calculated according to the company's rating, the type of company and the maturity of the transaction.
For more information, please refer to the disclosure document.
Amortisation
As agreed between the IC and the Company in accordance with the Company’s needs.
For more information, please refer to the disclosure document.
% mutual guarantee / % counter guarantee
70% / 70%.
Novos Negócios
Eligible operations
Medium- and long-term financing for investment in tangible and intangible fixed assets, covering equipment and property leases, including profit-sharing arrangements for leased assets, or working capital for newly incorporated companies.
Eligible companies
Companies that meet the conditions set out in the General Conditions applicable to the Mutual Guarantee Facilities under the Agreement and, cumulatively, certain other conditions.
For more information, please refer to the disclosure document.
Maximum amount per company
1,000,000 EUR.
Total financing term
Up to 120 months from the date the loan is taken out.
Grace period
Up to 24 months from the date the loan is taken out.
Amortisation
As agreed between the IC and the Company in accordance with the Company’s needs.
For more information, please refer to the disclosure document.
Loan agreement spread
The maximum spread will be calculated in accordance with the risk rating of each credit institution and the maturity of the transaction.
Maximum guarantee commission
the company's rating, the type of company and the maturity of the transaction.
The guarantee fee is payable in arrears, in accordance with the repayment schedule.
% mutual guarantee / % counter guarantee
80%/80%.
Garantias Técnicas
Eligible transactions
Performance, tender, compliance or payment guarantees, amongst others, whether renewable or non-renewable, provided directly to the final beneficiary or as a counter-guarantee for an existing guarantee.
The SGM may formalise transactions with clients either by issuing individual stand-alone guarantees for each specific case, or by concluding a guarantee facility agreement for the issuance of several guarantees under the same agreement.
Eligible companies
Companies that meet the conditions set out in the General Conditions applicable to the Mutual Guarantee Facilities under the Agreement and, cumulatively, certain other conditions.
For more information, please refer to the disclosure document.
Maximum amount per company
2,500,000 EUR. However, in the specific case of performance guarantees, the maximum guarantee amount per company is 1,000,000 EUR.
Term of the guarantee
In the case of renewable transactions, on a half-yearly or annual basis, up to a maximum term of 120 months. The Bank may terminate the agreement, and the SGM may terminate the guarantee at each renewal.
Grace period
Not applicable.
Bank guarantee fee, taking into account the company’s risk profile
With regard to bank guarantees provided by banks to third parties, banks may charge a guarantee fee. This fee is calculated according to the company's rating, the type of company and the maturity of the transaction.
For more information, please refer to the disclosure document.
Maximum guarantee percentage granted by the SG
Up to 75% for guarantees provided to ICs.
Up to 100% for guarantees provided directly to the final beneficiary.
% mutual guarantee / % counter guarantee
75% or 100%/50%.
Maximum guarantee fee
The guarantee fee will be charged on the guaranteed amount and calculated according to the company’s rating, the type of company, and the maturity of the transaction.
For more information, please refer to the disclosure document.
Características financeiras: exemplo representativo
Comissões e Encargos:
A IC pode cobrar ao Beneficiário as comissões e taxas previstas no respetivo preçário, com os ajustes que habitualmente realiza;
Todos os custos e encargos, associados à contratação do financiamento, designadamente os associados a avaliação de imóveis, registos e escrituras, impostos ou taxas, e outras despesas similares são suportados pela Empresa;
Estão isentas de comissões a custódia de títulos se a conta de títulos for utilizada exclusivamente para detenção de ações das SGM;
Nos financiamentos contratados na modalidade de taxa de juro fixa, a IC pode repercutir na Empresa os custos em que incorra com a liquidação antecipada total ou parcial, ou quando a Empresa solicite a alteração de taxa fixa para taxa variável;
As SGM não cobrarão ao cliente qualquer valor pela emissão da garantia, com exceção da respetiva comissão de garantia e, quando aplicável, das seguintes comissões processuais:
Na linha específica Impulsar – Investimento Estratégico: comissão de montagem, até ao máximo de 0,5% sobre o montante de garantia, com um mínimo de 200 euros, acrescido de Imposto do Selo à taxa legal em vigor;
Em operações renováveis: comissão de renovação, até ao máximo anual de 0,25% sobre o montante de garantia, com um mínimo de 100 euros, acrescido de Imposto do Selo à taxa legal em vigor.
A concessão de uma garantia mútua encontra-se condicionada à aquisição de ações da SGM no montante de até 1% do valor garantido.
Juros:
Os juros serão suportados integralmente pelo beneficiário e serão liquidados postecipadamente e de acordo com a periodicidade da amortização da operação.
Caso se verifique que o indexante ou a taxa de referência utilizada apresenta valor inferior a zero, dever-se-á considerar, para determinação da taxa aplicável, que o valor corresponde a zero.
