Credits for companies. Types of credits and public support

If you need to finance your company and you do not know how in this article the types of credits to which a company has access are developed. They can be credits for companies or public aid according to the entity in which you request the credit, in addition, other aspects that will determine the type of credit are: term and quantity. With the revolution of technologies have arisen alternatives to get financing, which is not necessarily banking institutions that give you the option to finance, but there are innovative platforms that allow individuals to finance the development of your projects.

Credits for companies

It is constituted as any financial operation involving two parties. The creditor is the person or entity that makes the loan of the amount of money necessary to another person or company, called the debtor, who has the obligation to return this amount together with the payment of agreed interest in the term in which it has been agreed- personal loans. Due date. Normally subject to conditions and requirements depending on the type of credit for companies that are requested.

Aspects that determine credits for companies

The main aspects that will determine the name of the different types of credits for existing companies are: Term: Depending on the period of time over which the duration of the credit for your company is estimated, it will be named one way or another. Amount: depending on the purpose for which the credit is destined for the company, a quantity or another will be requested. Based on this factor, credit will also be denominated differently. Entity: P2P platforms, as well as public institutions that provide assistance to your company, may be requested from financial institutions.

Types of credits for companies

Once the purpose of the credit is clear, before whom to request it, the amount and the due date thereof, we will know which type of credit is chosen. Some of them are:

Credits for banking companies

They are policies granted by financial institutions that allow you to have certain amounts of money from a bank account. You can have the credit gradually, totally or, on the contrary, you can abstain from using the money. The interest generated by the credit for a banking company is calculated based on the sums of money that are actually spent. In addition, as a general rule, this credit is subject to limits that, if exceeded, will result in additional interest.

Credit for mortgage companies

They are loans for companies with mortgage guarantee, this means that if you have a property that can be used as collateral, you can finance your projects by having as a maximum capital the percentage corresponding to the value of the guarantee. The repayment term of this type of credits is determined based on the amount requested and in relation to the time of concession is higher than other types of credits due to the previous procedures that must be performed to place a property as collateral (paperwork, administrative transactions…).

Credit for syndicated companies

It is the perfect mechanism to undertake investments or large-scale projects. They are large loans that can not be granted only by a financial institution but require a plurality of lenders, which in most cases are usually credited institutions such as banks and savings banks. The intention is that they converge in a joint manner as a Banking Syndicate to make available or grant in a unified way a high syndicated loan or several to a single borrower. The rights and obligations in this business credit are pooled but, in the case of default by the lender banks, each one responds only for its part.

Credit for avío and refaccionamiento companies

Both credits for companies are oriented to the promotion of production. The credit for avío companies: It is destined essentially to fundamental aims of the company. They have the obligation to be invested in the acquisition of raw materials and materials, as well as the payment of salaries, direct operating expenses and others. The credit for reaction companies, where appropriate, is directed to the purchase of tools, feed for livestock, fertilizers, farm tools … in addition to, in the purchase or installation of machinery, construction work etc.

Public aid for companies

Another way to get liquid for your company is the request for public aid that currently exists for the development of entrepreneurship projects for both new companies and companies already established in the sector.


They are alternatives to credit for companies that need liquidity for the realization of productive investments oriented to the financing of self-employed, companies and public or private entities, whether they are Spanish or foreign companies. The processing of this type of aid is done through the credit institutions that are reawakened with the SGR and SAECA.

ENISA entrepreneurs

The main objective pursued by ENISA is to finance your SME in the early stages of the life cycle. No matter how old you are, the purpose is to avoid the financial obstacles that you may suffer when making the investments that your project entails.

Alternative to credit for companies and public aid?

P2P or crowdlending loans are loans granted through online platforms that put in contact, on the one hand, those with financing needs and, on the other, individuals or companies that want to invest. MytripleA offers the possibility of financing your company and projects through several private investors, avoiding going to banks and being able to carry out all the procedures from home.

Advantages of credit for companies by crowdlending

Crowdlending has notable advantages over other forms of financing:

  • Process more agile and faster both in processing and in the concession.
  • Savings in financial costs.
  • The flexibility of the amount and term of return of the financing.
  • Diversify the debt.
  • You do not have to contract additional products.
  • Total or partial amortization of the loan without cost. Are you ready to apply for your credit for crowdlending? Apply for your loan today.