PME Investimentos acts in the debt market, ensuring the management of subsidised and guaranteed Credit Lines which aim at enhancing the conditions of financing and facilitate the access of SME to bank credit, through mechanisms of guarantee of the National Mutual Guarantee System (Sistema Nacional de Garantia Mútua), in a partnership with the majority of the credit institutions operating in Portugal.

Under a programme implemented in 2008, with the roll-out of the two first Credit Lines, both co-financed by structural funds in the context of the National Strategic Reference Framework (QREN), PME Investimentos currently manages a total of 20 Credit Lines, which involve a total value of bank credit made available of 21,000 million Euro.

The public support associated to the aforementioned lines, notably from the Mutual Counterguarantee Fund (Fundo de Contragarantia Mútuo) and the partial subsidy of costs undertook by companies, are financed by public entities, the IAPMEI – Agência para a Competititvidade, I.P., the Turismo de Portugal, I.P. and the Instituto do Emprego e Formação Profissional, I.P., through FINOVA.

1st Measure of Term Increase
Term: 15 September 2011 to 28 January 2013

2nd Measure of Term Increase
Term: 23 January 2013 to 7 February 2014

3rd Measure of Term Increase
Term: available from 3 March 2014

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