{"id":6503,"date":"2025-07-08T00:00:00","date_gmt":"2025-07-08T00:00:00","guid":{"rendered":"https:\/\/www.contem.es\/lineas-ico\/"},"modified":"2025-07-08T00:00:00","modified_gmt":"2025-07-08T00:00:00","slug":"lineas-ico","status":"publish","type":"post","link":"https:\/\/www.contem.es\/es\/lineas-ico\/","title":{"rendered":"L\u00edneas ICO"},"content":{"rendered":"<p>Las l\u00edneas ICO son l\u00edneas de financiaci\u00f3n en las que el Instituto de Cr\u00e9dito Oficial act\u00faa a trav\u00e9s de las entidades de cr\u00e9dito.\u00a0Es decir, los pr\u00e9stamos se solicitan a trav\u00e9s de una entidad de cr\u00e9dito, pero los fondos concedidos son facilitados por el ICO; el banco no utiliza los suyos. Eso s\u00ed:<\/p>\n<ul>\n<li>Las entidades son las que asumen el riesgo de impago, se encargan de analizar la operaci\u00f3n y su viabilidad, determinan las garant\u00edas a exigir y deciden sobre la concesi\u00f3n o no de la financiaci\u00f3n.<\/li>\n<\/ul>\n<ul>\n<li>Asimismo, responden frente al ICO de la devoluci\u00f3n de la financiaci\u00f3n otorgada por \u00e9ste, al igual que el cliente final responde frente a la entidad del cumplimiento de las obligaciones establecidas en la operaci\u00f3n formalizada.<\/li>\n<\/ul>\n<p>A estos efectos, cada a\u00f1o el ICO define diferentes l\u00edneas de financiaci\u00f3n (seg\u00fan el destino de los fondos solicitados), determinando las condiciones que deben cumplirse para conceder la financiaci\u00f3n en cada una de ellas (perfil de destinatarios, financiaci\u00f3n m\u00e1xima por operaci\u00f3n, plazo de devoluci\u00f3n&#8230;). Y,\u00a0a partir de ah\u00ed, los bancos canalizan los fondos hacia sus clientes. Por ejemplo:<\/p>\n<ul>\n<li>La l\u00ednea ICO Empresas y Emprendedores, para financiar proyectos de inversi\u00f3n y necesidades generales de la actividad.<\/li>\n<\/ul>\n<ul>\n<li>La l\u00ednea ICO Cr\u00e9dito Comercial, para anticipar facturas y necesidades de liquidez.<\/li>\n<\/ul>\n<ul>\n<li>Las l\u00edneas RED.es Acelera o Kit digital, para proyectos innovadores o para proyectos de digitalizaci\u00f3n.<\/li>\n<\/ul>\n<ul>\n<li>Tambi\u00e9n existen l\u00edneas espec\u00edficas para facilitar la internacionalizaci\u00f3n de las empresas, o relacionadas con los fondos Next Generation EU.<\/li>\n<\/ul>\n<p> Si solicita financiaci\u00f3n para un proyecto y el banco le pide que justifique la situaci\u00f3n financiera de su empresa\u00a0o proyecciones de tesorer\u00eda y de resultados, nuestros profesionales pueden ayudarle a prepararla.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Las l&iacute;neas ICO son l&iacute;neas de financiaci&oacute;n en las que el Instituto de Cr&eacute;dito Oficial act&uacute;a a trav&eacute;s de las entidades de cr&eacute;dito.&nbsp;Es decir, los pr&eacute;stamos se solicitan a trav&eacute;s de una entidad de cr&eacute;dito, pero los fondos concedidos son facilitados por el ICO; el banco no utiliza los suyos. Eso s&iacute;: Las entidades son [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":6504,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[],"class_list":["post-6503","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mercantil"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>L\u00edneas ICO | Contem Assessors<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.contem.es\/es\/lineas-ico\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"L\u00edneas ICO | Contem Assessors\" \/>\n<meta property=\"og:description\" content=\"Las l&iacute;neas ICO son l&iacute;neas de financiaci&oacute;n en las que el Instituto de Cr&eacute;dito Oficial act&uacute;a a trav&eacute;s de las entidades de cr&eacute;dito.&nbsp;Es decir, los pr&eacute;stamos se solicitan a trav&eacute;s de una entidad de cr&eacute;dito, pero los fondos concedidos son facilitados por el ICO; el banco no utiliza los suyos. 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