CERSA (Compañía Española de Reafianzamiento)
Funding
CERSA, Compañía Española de Reafianzamiento, SME, S.A., is a Sociedad Mercantil Estatal (SME) attached to the Ministry of Industry, Trade and Tourism, through the Directorate General of Industry and Small and Medium-Sized Enterprises.
CERSA provides coverage for a very important part of the guarantees granted by the SGR and SAECA to the SMEs/self-employed with financing needs and the criteria on which the Reguarantee Agreement signed annually with each company is based are the following:
- Additionality. The objective is to expand through the public counterguarantee the financial capacity of the system and support the largest number of SMEs of any legal form allowing a better access to financing.
- Adaptation permanent adaptation to the needs of the companies. The counterguarantee contract is reviewed annually in order to adapt the risk coverage to those aspects in which at each moment of the economic cycle greater support is required by the SMEs.
- More support for segments with greater needs and difficulties in accessing credit. Growing companies, innovation and internationalization projects benefit from higher coverage percentages.
- Greater support for segments with greater needs and difficulties in accessing credit.
- Free. The cost of the reguarantee is free for the SGRs provided that they are within the established loss limits, and results in a lower cost of the guarantee for the SMEs.
- Coordination with the EU. In the relationship with the European Union, criteria for the definition of SMEs and state and de minimis aids allowed are coordinated, and CERSA's activity is supported in competitiveness programs (CIP) through the EIF.
- Support in the analysis capacity of the guarantee companies and the capillarity of their network. The counter-guarantee contract, which regulates the CERSA-SGR relationship, is based on the risk analysis capacity of the SGR. Subsequently, CERSA supervises and controls the approved operations, verifying that they meet the established eligibility and coverage criteria, as well as the activity of the guarantee companies.
- Automatism and eligibility. The counterguarantee contract establishes objective criteria that determine a priori whether a guarantee operation is eligible to be counterguaranteed by CERSA and in what percentage.
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