ANADE Financing ( ANSEJ)
What is it ?
You are young ! You wish to carry out your professional project, opt for the ANADE system, a flexible and viable investment project.
Participants
Amount of financing
Eligibility
How to subscribe ?
Come to ANADE
Go to the nearest ANADE branch.
Funding file
Constitute your financing file.
Your credit is ready
Benefit from your financing and carry out your professional project.
FAQ
To benefit from the assistance of the National Agency for Support and Development of Entrepreneurship ANADE, the promoter must meet the following conditions:
Be between 19 and 35 years old; When the investment generates at least three (03) permanent jobs (including young associated promoters in the company) the age limit of the manager of the created company may be increased up to forty (40) years;
Hold (s) a diploma, a professional qualification and/or have recognized know-how (work certificate, diploma, etc.);
Do not hold a paid employment at the time of submitting the registration form to benefit from the aid;
Be registered with the services of the national employment agency as an unemployed job seeker;
Not be registered with a training center, institute or university at the time of submitting the request for assistance, unless it is for further training in their activity;
Not having benefited from an aid measure for the creation of activities;
Mobilize a personal contribution in the form of equity.
Be between 19 and 35 years old; When the investment generates at least three (03) permanent jobs (including young associated promoters in the company) the age limit of the manager of the created company may be increased up to forty (40) years;
Hold (s) a diploma, a professional qualification and/or have recognized know-how (work certificate, diploma, etc.);
Do not hold a paid employment at the time of submitting the registration form to benefit from the aid;
Be registered with the services of the national employment agency as an unemployed job seeker;
Not be registered with a training center, institute or university at the time of submitting the request for assistance, unless it is for further training in their activity;
Not having benefited from an aid measure for the creation of activities;
Mobilize a personal contribution in the form of equity.
For the constitution of your credit file, we inform you Madam, Sir that your file is introduced by the interlocutor of ANADE, at the level of our Bank.
This file consists of the following documents::
Application for financing, duly signed, including the amount of credit requested, sent to the Bank and drawn up by the promoter;
Registration form containing the birth certificate number n°12;
Residence certificate;
Diploma, professional qualification, training certificate or any other document attesting to know-how;
Diploma, professional qualification, training certificate or any other document attesting to know-how;
Certificate of eligibility or compliance established by the Agency;
Copy of the business plan accompanied by pro forma invoices, and/or estimates for any development, layout or installation of equipment to be carried out.
This file consists of the following documents::
Application for financing, duly signed, including the amount of credit requested, sent to the Bank and drawn up by the promoter;
Registration form containing the birth certificate number n°12;
Residence certificate;
Diploma, professional qualification, training certificate or any other document attesting to know-how;
Diploma, professional qualification, training certificate or any other document attesting to know-how;
Certificate of eligibility or compliance established by the Agency;
Copy of the business plan accompanied by pro forma invoices, and/or estimates for any development, layout or installation of equipment to be carried out.
The maximum amount of investments provided for by this device is ten (10) million dinars;
The amount of financing cannot in any case exceed 70% of the cost of the project;
The amount of unpaid financing is between 28% and 29%;
The amount of the promoter's personal contribution is between 1% and 2%;
Additional aid can be granted in the form of a PNR (Non-Remunerated Loan). This aid, paid for exclusively by ANADE, concerns:
PNR-VA “Workshop Vehicles” unremunerated loan;
Unremunerated loan “Rental” PNR-LO;
Unremunerated loan “Cabinets-Groupés” PNR-CG (medical, accounting expertise, etc. …).
The information and the conditions for granting this aid are available at the level of ANADE.
The amount of financing cannot in any case exceed 70% of the cost of the project;
The amount of unpaid financing is between 28% and 29%;
The amount of the promoter's personal contribution is between 1% and 2%;
Additional aid can be granted in the form of a PNR (Non-Remunerated Loan). This aid, paid for exclusively by ANADE, concerns:
PNR-VA “Workshop Vehicles” unremunerated loan;
Unremunerated loan “Rental” PNR-LO;
Unremunerated loan “Cabinets-Groupés” PNR-CG (medical, accounting expertise, etc. …).
The information and the conditions for granting this aid are available at the level of ANADE.
The personal contribution of the promoter depends on the total amount of the project; it is fixed according to the following levels:
Level 1: 1% of the total amount of the investment when this is less than or equal to five (5) million dinars;
Level 2: 2% of the total amount of the investment when it is greater than five (5) million dinars and less than or equal to ten (10) million dinars.
Level 1: 1% of the total amount of the investment when this is less than or equal to five (5) million dinars;
Level 2: 2% of the total amount of the investment when it is greater than five (5) million dinars and less than or equal to ten (10) million dinars.
The duration of the bank credit is eight (08) years, including (03) years of deferred repayment of the principal.
What is the interest rate?
The interest rate applicable to creation or extension investments is 6.75% subsidized to 100%, which means that all the interest deducted on the bank loan is borne by ANADE.
What is the interest rate?
The interest rate applicable to creation or extension investments is 6.75% subsidized to 100%, which means that all the interest deducted on the bank loan is borne by ANADE.
The loan repayment schedule is half-yearly.
The Guarantees required to cover the ANADE credit risk are:
Pledges of equipment and materials financed;
Rolling stock pledges;
The “multi-risk and/or all-risk insurance” delegation;
Membership of the Mutual Guarantee Fund for Risks / Loans for young promoters.
The use of any other guarantee is excluded.
Pledges of equipment and materials financed;
Rolling stock pledges;
The “multi-risk and/or all-risk insurance” delegation;
Membership of the Mutual Guarantee Fund for Risks / Loans for young promoters.
The use of any other guarantee is excluded.
After study and acceptance of the file, an agreement is notified to you by the BDL agency.
Once this acceptance has been notified, your file must be completed with the following documents:
Copy of proof of occupation of the premises (deed of ownership, deed of concession, deed of donation, rental lease for a minimum period of two (02) years renewable) in the name of the promoter, for sedentary activities;
Copy of the legal status of the company in the case of a legal person;
Copy of certificate of existence or tax card;
Minutes of the visit to the premises to house the activity, drawn up by ANADE, valid for all parties, with the exception of non-sedentary activities;
Membership agreement to the Guarantee Fund for the entire duration of the bank loan ;
An original copy of the Decision to Grant Benefits for the Implementation, creation or extension phase;
A copy of pro forma invoices or updated quotes, if applicable;
Proof of payment of the PNR and the personal contribution;
Cheque collection orders.
Once this acceptance has been notified, your file must be completed with the following documents:
Copy of proof of occupation of the premises (deed of ownership, deed of concession, deed of donation, rental lease for a minimum period of two (02) years renewable) in the name of the promoter, for sedentary activities;
Copy of the legal status of the company in the case of a legal person;
Copy of certificate of existence or tax card;
Minutes of the visit to the premises to house the activity, drawn up by ANADE, valid for all parties, with the exception of non-sedentary activities;
Membership agreement to the Guarantee Fund for the entire duration of the bank loan ;
An original copy of the Decision to Grant Benefits for the Implementation, creation or extension phase;
A copy of pro forma invoices or updated quotes, if applicable;
Proof of payment of the PNR and the personal contribution;
Cheque collection orders.
Indeed, the bank can, also, intervene under the same conditions in the financing of the extension of the activity of a Micro Enterprise, within the framework of the ANADE device.
However, the financing is conditional on the repayment of more than 70% of the first loan granted under the investment for the creation of the said Micro Enterprise and the clearance of tax and parafiscal debts.
However, the financing is conditional on the repayment of more than 70% of the first loan granted under the investment for the creation of the said Micro Enterprise and the clearance of tax and parafiscal debts.