Sánchez-Ocaña Alejandro Suárez. TIME sector employer since 1998 CEO of the Group Publispain, the network of blogs Entertainment Networks SL and Leisure Blogs, Chairman of Inversora Foley, Director and Founding Partner of Yes.fm, advisor and investor in several companies in innovation, new technologies and the Internet.
The ICO: dizzy partridge
This is not the first time that I speak of the ICO . Someone's sure to remember my opinion on such a prestigious institution.
The ICO has not helped entrepreneurs ever, have not fallen to the sand and is dedicated to being behind the funding of banks, to solve problems of cronies and hide behind large numbers of business, and like many of us are watching, not are the work of supporting small and medium business and less on startups in Spain.
I find it sad to be announced with fanfare plans as "ICO entrepreneur" and prays as his website "risk management" made out by the bank and ask, as explained on the web, the same guarantees to fund and start a business that can be required to buy a car:
Warranties:
Each credit institution analyzes the request for funding and, depending on the creditworthiness of the applicant and the viability of the investment project, determined to provide guarantees that can be for example:
• Mortgage
• Personals
• joint or several Bonds
• Mutual Guarantee Societies
The role of the ICO should be approaching entrepreneurs credit that banks do not give them not a little better conditions for those who do have credit. In general to launch a company needs to resort to financing, and the bank is closed yet. That should give the ICO the face of selfishness itself and for the good of the country because this country is vital to subtract standing and open businesses to Zapatero appears after years facing entrepreneurs is impepinable see the item.
A banker is a man who leaves you with an umbrella interests, and so sorry you remove it when the storm begins. The role of the ICO should be give shelter then.
If the ICO for entrepreneurs plan assumes the risk and step in front, just not any good. It is not useful to society, and if for banks because it helps them sell more, and earn more.
For months, it was announced that the ICO had fallen from the cherry and had realized (two years later, ...) that their role as a financial intermediary should be shaking hands with the bank, but giving it to the entrepreneur. They would pay up to 200,000 Euros without personal guarantees against the project, the creation of new businesses.
We are still waiting. The announcement and evading the months can be interpreted as a joke more. A huge "big poster of Plan E", a "do not worry that we have realized." An ad without moving a single finger and leaving it for "and I'll see you." Living to announce things, not making them. Now it seems that date is set, anotémonos on the agenda to see if the June 15 launch is REAL
Priceless declared what few days ago Elena Salgado to 5 days , which I quote:
Q. When will the new funding ICO (direct loans of up to 200,000 euros) to help unlock lending to SMEs?
R. On June 15 will be in the mechanism of Official Credit Institute. Loans may be requested. We will select two financial institutions for direct lending program. We believe that we have more than one channel.
Q. Is a bank and a box, for example?
R is chosen among those with national coverage. It may be a group of savings banks. Who we be guaranteed throughout the territory.
Q. ICO will be very restrictive in granting loans to entrepreneurs, since it assumes 100% of the risk?
R. In the first stage there will be a concentration of applications have been rejected by commercial entities. Half credits that are required will be about one hundred thousand euros. The shortage is wielding entrepreneurs, as are small financial institutions do not consider worth their while or study. And in a difficult economic situation are rejected transactions.
However, projects were not viable for a year, may have overtones of being now. The ICO will consider all requests. But there may also be financial institutions declined to participate fully justified, projects that offer no guarantees.
Is likely to think that this stock can go to the ICO in the first stage, and in the first month there is a barrage of requests rejected by others. It stands to reason therefore that the rejection rate of the ICO will be elevated to the top . Be prepared for this to be so.
Tags: 5 Days , Electronic Commerce , Entrepreneurs , ICO , entrepreneurs plan
4 Responses to "The ICO: dizzy partridge"
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[...] This post Was Mentioned on Twitter by Alejandro Suarez. Alejandro Suarez said: New post on the blog: dizzy partridge http://www.alejandrosuarez.es/2010/05/mareando-la-perdiz/ [...]
Hello Alejandro,
Successful post and absolutely agree. "Living to announce things, not make them" great phrase. A lie is very well told though, not longer lie.
Just have a chat with the director of your bank to check.
And what of June 15, when the "touch" I'll believe.
greetings,
albert
Strongly agree Alejandro. ICO Any loan is a loan from the bank with a different surname. Our experience is that and also with certain banks, not all.
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