Funding
The National Entrepreneurship Support and Development Agency
Financing Solutions
The National Entrepreneurship Support and Development Agency plays a pivotal role in financing micro-enterprises, by accompanying entrepreneurial idea holders who wish to transform their ideas into real projects that generate wealth and create jobs, in accordance with the adopted economic approach aimed at strengthening financing mechanisms and managing related risks, with the goal of driving national development.
Financing takes you from an idea to project implementation
The financing solutions offered by the agency have the following features:
Financing formulas
The agency offers several financing options for creating and expanding micro-enterprises through 3 financial structures.
Self-financing
The project owner finances the entire investment independently, without resorting to external sources.
Mixed financing
Both the project owner and the Agency each contribute 50% of the investment amount.
Triangular financing
The project holder contributes between 5% and 15%, the Agency contributes between 15% and 25%, and the bank covers the remaining 70%.
Table of financing formulas
Details of contribution ratios for each type of available financing formula
| Type of financing | Personal contribution | Agency (unremunerated loan)) | Agency (unremunerated loan) |
|---|---|---|---|
| Triangular financing – students & unemployed | 5% | 25% | 70% |
| Triangular financing – non-unemployed (southern regions) | 10% | 20% | 70% |
| Triangular financing – non-unemployed (High Plateaus & Special Regions) | 12% | 18% | 70% |
| Triangular financing – non-unemployed (other regions) | 15% | 15% | 70% |
| Mixed financing | 50% | 50% | 0% |
| Self-financing | 100% | 0% | 0% |
Operational and Rent Financing
Additional unremunerated loans to cover specific needs:
Additional unremunerated Loan for renting premises
If necessary, project holders can benefit from an additional unremunerated loan to cover rent for renting premises or berths at ports designated for the creation of goods and services activities, excluding non-sedentary activities.
Condition: This loan is only granted when project holders apply for bank financing at the creation phase of the activity.
Additional unremunerated operating loan
Project holders can exceptionally benefit from an additional unremunerated operating loan.
Nature of the loan: Exceptional to cover exploitation and operational needs