PERFECT iNVESTMENT
-CRÉDIT D'INVESTISSEMENT-
(+33) 7 55 99 57 29
CREDIT INVESTMENT
An investment credit is a credit to medium to long term. He generally finances investment in capital assets: when you upgrade your farm agricultural or horticultural, for example. An investment credit puts you on the right track when you start a project, well thought out and well matured.
Investment credit is most often introduced to the professional investment financing.
An investment can take many forms. That's why, at Perfect Investment, you choose your credit investment among a wide range of formulas:
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a variable and adjustable-rate credit each year
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a variable and adjustable-rate credit every 3 years
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a variable and adjustable-rate credit every 5 years
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a variable, adjustable-rate credit the first time after 10 years and then every 5 years
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credit at rates fixed for a period of 3 years
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credit at rates fixed for a period of 5 years
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credit at rates fixed for a period of 7 years
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credit at rates fixed for a period of 10 years
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credit at rates fixed for a period of 15 years
In practice you claim a investment credit to Perfect Investment. For the duration, everything is practically possible: 1 to 15 years depending on the purpose of credit. An investment credit can be claimed from 1,000,000 euros. In which case we will talk about Credit or loan to temperemment. Depending on the chosen formula, you can credit your monthly or quarterly.
INVESTMENT INNOVATIVE COMPANIES
Can benefit from an intervention in the form of an 'Innovative companies' investment young innovative SMEs with a business permit in the sense of the law which was created less than 5 years and a driving influence on national economic development.
The recipient is an innovative company as long as it can establish, on the basis of a business plan, the development and commercialization of products and services or new or substantially improved/differentiated processes compared to the State of the art in the sector concerned and who present a risk of technological or industrial failure. The innovative character of the goods or services must be technological, commercial or organizational nature.
Are eligible depreciable investments and the negative cash flows, resulting from the business plan presented by innovative companies.
Are held including the land, buildings or parts of buildings to exclusively professional use, equipment, machinery and professional facilities, materials/supplies, staff costs, the filing of patent fees, contract research, the costs of using banks of data, technical libraries and laboratories, the acquisition of patents/licenses, support services for innovation in market research type the new standards, testing and certification, fees from commercial launch as well as the need for working capital.
The amount of the loan is from 1.000.000 euros, without exceeding however a share of 35% of the eligible cost, taking into account the size of the project and the company.
Investment and spending must be co-financed a minimum of 35% of contributions in the form of equity. The amount of investment of Perfect Investment may not at any time exceed the amount of the contributions made in the form of subordinated own/investment capital.
The maximum term is 10 years. It is set according to the needs of the project.
PARTICIPATORY INVESTMENT
Recipients are corporations or limited liability companies whose principal place of business is in big cities or areas with high human density.
Quite exceptionally, participatory investment can be granted to promote the creation, extension, conversion, reorientation and rationalization of industrial, craft enterprises or of provision of services, in the national economic interest.
The amount is fixed in each case by the Board of Directors of Perfect Investment and requires approval of each of the members.
The duration is based on the financing prepared by the business plan. The maximum duration is normally 10 years.
The participatory investment repayment is made following an amortization fixed by contract. The amortization plan may provide a grace period for the repayment of the capital taking into account the situation of the recipient firm.