When it comes to subsidized non-refundable loans, a large portion of these consists of loans to artisans, that is, to all those who carry out crafts, even artistic, as a profession. This form of artisan profession can be carried out in the form of start-ups (see also subsidized loans for start-ups), micro-enterprises, self-employment or within an SME. Also for 2015 there have been concessions to non-refundable loans reserved for artisans. Let’s see what it is.
European, national and regional funding
Let’s start by saying that a non-repayable loan, precisely because it is not tied to total repayment with installments or interest, is used to incentivize a particular sector of the economy and business and helps to entice some categories of subjects (such as young people, women, unemployed, but also those who work in disadvantaged territories) to invest or employ themselves in a specific sector. One of these sectors is certainly craftsmanship.
Craftsmen can choose between subsidized non-refundable loans proposed by calls for proposals from the European Union, the Italian State or the Regions (in addition to the loans of honor for macro areas, such as the South). To take advantage of them, it is therefore necessary to pay close attention to the notices promulgated by the Region of residence or in which the company is based, or to sums made available by entities or individual laws, which also regulate non-repayable loans (such as the n.488 of 1992 or n.240 of 1981, together with several others).
Alternatively, you can check the section of the conventions stipulated by the CNA of your area, checking who they are addressing, the requisites required, and if there is the possibility of requesting also those who have the condition of bad payers.
The news for 2015
As far as the current year is concerned, it is important to underline that there are many and varied initiatives and laws of this type (just scroll through the list of Region by Region calls). One of these was the fund initiative made available by the 2014 Stability Law of approximately 15 million USD, intended for groupings of artisan businesses or micro-enterprises for expenses relating to digital technologies and sustainable manufacturing.
This loan, which was very successful and required sums of between $ 100 thousand and up to $ 1.4 million, was possible until the middle of October.
In the wake of this announcement, a further selection of subsidized loans at a rate of 0 for a total of 50 million USD will start soon (probably on 13 January 2016), aimed at young people up to 35 years and women who will set up a business, also operating in the craft sector. The loan cannot exceed $ 1.5 million per company (intended for investment programs) and with coverage for up to 8 years and up to 75% of the costs incurred.