Heredia and Partners Corp.USA

It is an accredited entity, and not regulated by the general superintendence of financial entities (SUGEF) that has authorized programs that meet the purposes and objectives established by Law No. 8262 and No. 9274, its regulation and accreditation model for financial operators, as well as the guiding policies and procedures defined for such purposes. Among them are:

-Public and private banks, -Microfinance, Cooperatives. -Associations, Administrators of pension funds, insurance -companies, stockbrokers, -securities agents,
-Mutual funds,
-Foreign entities and credit companies, among others.

Accreditations are given by means of titles or licenses so that financial operators can channel banking resources for development and there are different types of titles or licenses.

Access to loans and guarantees
To have access to Banking for Development credits and guarantees, applications are qualified according to the activity . they carry out – commerce, services, industry, technology and stock investments and the formula established by the Ministry of Economy, Industry and Commerce (MEIC) is used, according to Law No. 8262 or if it is from the sector agriculture as established in the Regulations of Law No. 9274.

The credits are direct, money loans, and include working capital, financing of machinery and equipment, buildings, among others, if duly justified.

What it has to do Development Banking courses? the financial trader as long as it is viable.
If it is determined to be credit request, seln

Has collaboration non-financial such as the INA to This training is based on need.

Provides technical assistance, It supports research and development for innovation and technology transfers, as well as knowledge and development of human potential.

What can be financed, according to the program approved to the operator?

Working capital. Machinery and equipment. Work tools and vehicles. Purchase of fixed assets. Investment Property. Stock investments.

How can I obtain a loan with resources from Banking for Development, if I do not have enough collateral?

The credit officer of the chosen financial operator, according to the type of productive project and his personal credit conditions, can recommend that, through FINADE, the guarantee to obtain resources from the SBD is endorsed.

“For the granting of endorsements and guarantees, credit operations may be guaranteed in all the financial members of the SBD, as long as the beneficiaries Due to insufficiency of guarantee, they cannot be subject to financing, in conditions and proportions favorable to the adequate development of their activities and these credit operations meet the objectives of this law.

What does the financial operator analyze to determine that a project is viable and can be granted credit?

To determine if a project is viable, the financial operator is governed by its policies, some of the factors that are analyzed are:

Payment behavior credit history of the credit applicant. Project payment capacity. Guarantee offered. Business experience. Among the factors the policies of the operator.

Who can be the beneficiaries?

Microenterprise or an SME; micro, small and medium agricultural production unit; an associative business model; and beneficiary.