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​Guarantee Products


-Multipurpose industrial guarantee

·  Product code: EMP001

·  Description: This guarantee product allow to support all credits requested by micro, small and med size companies in projects of enlarge their own manpower, investments, self-investments and economical developments and any other financial need.

·   Beneficiaries: micro, small and med size companies.

·   Type of portfolio: commercial/micro-credit.

·   Total amount per product: 1.200 million pesos, or its equally in dollars.

·   Coverage: 50%

·   Commission: 2,30% Anticipated annual. A.A (The rate depends of the bank intermediary)

·   Credit destiny: manpower, investment, self-investment.

·   Term: no deadline

-Micro-credit guarantee

·   Product code: EMP023

·  Description: This guarantee product allow to support all credits requested by micro sized companies in projects of enlarge their own manpower, investments, self-investments and economical developments and any other financial need.

·  Beneficiaries: micro, sized companies.

·  Type of portfolio: micro-credit.

·  Total amount per product: 25 SMMLV (salaries minimal per month).

·   Coverage: 50%

·   Commission: 2,80% Anticipated annual. A.A (The rate depends of the bank intermediary)

·   Credit destiny: manpower, investment, self-investment.

·  Term: 36 months maximum.

-Global rotary quota guarantee

·  Product code: EMP200

·  Description: The coverage is about 50% of the balance used on the rotary credit products, rotary quota credits in revolving mode, which means the guarantee of the opening of an initial quota and each utilization is accounted as an operation with their own particular conditions (value, term, rate) separately of each one, but with the charge on the same approved quota.  

·  Beneficiaries: micro, small and med size companies.

·   Type of portfolio: commercial/micro-credit.

·   Total amount per product: 700 million pesos.

·   Coverage: 50%

·   Commission: 0,21% Anticipated annual. A.A (The rate depends of the bank intermediary)

·   Credit destiny: rotary credit, for natural person or legal representative belonging to the micr, small and med size companies according to the valid law.

·   Term: no deadline

-Short term guarantee

·   Product code: EMP050

·   Description: garantía que cubre hasta el 50% del saldo insoluto de capital de los créditos en los productos de corto plazo, para que los empresarios puedan cubrir las necesidades de liquidez inmediata en su negocio.

·   The coverage is about 50% of the non payed stock in trade credit balance product of short term to give entrepreneurs the chance to have immediate solvency for its own business.

·  Beneficiaries: micro, small and med size companies.

·   Type of portfolio: commercial.

·   Total amount per product: 700 million pesos.

·  Coverage: 50%

·  Commission: 1,95% Anticipated annual. A.A (The rate depends of the bank intermediary)

·  Credit destiny: treasury office operation, solvency credits and other credit terms with 180 days maximum.

· Term: between 15 and 180 days.

-Single guarantee program "business creation"

·  Product code: EMP507

·  Description: Guarantee program created to support the business creation and productive units basically to the generation of new vacancies in Colombia

·  Beneficiaries: micro, small and med size companies.

·  Type of portfolio: commercial/microcredit

·  Total amount per product: until 260 million pesos.

·  Coverage: 80%

·  Commission: 3,85% Anticipated annual. A.A

·  Credit destiny: Give the guarantee to all credit operation granted by the bank intermediaries designated to invest on manpower, acquisition of new or used assets and every purchase needed for the proper function of the business.

·  Term: between 15 and 180 days.

-Extraordinary programs

This are agreements subscribed by FNG S.A with national, departmental and municipal entities, regardless if it is public or private, with the objective of grant guarantees in special conditions related to the normal products of FNG S.A.

The programs are designed according to the needs of the entity with whom the program is being developed and its objective is to support a particular part of the MSMEs, a specific region or a conjunctural problem.

That kind of benefices can offer more coverage in compare to the other products of FNG S.A or the programs in which the entity assume the cost of the commission charged by the cost of the service.

The portfolio offers by FNG S.A actually are:

-Banca de las Oportunidades" guarantee

·  Product code: EMP036

· Description: product designated to support the initiative of the national government in the promote of the financial services access of families in case of poverty and extreme poverty, unbanked households, micro and small companies. "Banca de las oportunidades" in collaboration with FNG S.A has developed a guarantee extraordinary program granting coverage of the 70% over the total value of the credit.

· Beneficiaries: Families belonging to "Red Unidos"; natural persons belonging to stratums 0, 1 y 2; natural persons covered by the "Familias en Acción" program; single mothers, vulnerability risks dwellers, displaced dwellers, war reinserted dwellers, micro and small sized companies.

·  Type of portfolio: microcredit.

·  Total amount per product: 6,5 SMMLV (salaries minimal per month

·  Coverage: 70%

·  Commission: 2,65%  Anticipated annual. A.A (The rate depends of the bank intermediary)

·  Credit destiny: microcredit's designated to the finance of the stock in trade acquisition of new or used assets for business activities, except the related with agricultural.

·   Term: 36 months maximum.

​-Colombia Exporta" guarantee

·  Product code: EMP061 – EMP062

·  Description: due a opening of new market places through the Free Trade Agreement (TLC) the country had been implementing since the last 5 years, there are new opportunities and that's why the government needs to enlarge the productivity of every national company to compete effectively on foreign markets. Based on that reason, and under the initiative of national government in the promotion of the credit granting to the exporting companies, the ministry of industry, commerce and tourism and FNG S.A designed this program with the covering at least 50%, which allow to the entrepreneurs to access credits with a guarantee offered by the FNG S.A without the payment of commissions because it will be assume by the government.

·  Beneficiaries: direct or indirect exporters (micro, small and med size companies)

·  Type of portfolio: commercial.

·  Total amount per product: 300 million  pesos, or its equally in dollars

·  Coverage: 50%

·  Commission: assumed by the national government.

· Credit destiny: credit operations designated to credits or operations of financial leasing to support the enlargement and upgrade of the productivity in companies through the acquisition of fixed assets like equipment, enginery, vehicles, builds and wineries.

·  Term: form 12 until 60 months.

-Violence victims guarantee

· Product code: EMP042 – EMP060

· Description: FNG S.A has already designed a special guarantee program which allows the promotion of the industry strengthen and the development of productive potential of every violence victim of the internal armed conflict capable of an economic activity through the MSMES (natural person or legal representative) with the objective of have a credit guarantee granted by FNG S.A.   

·  Beneficiaries: micro, small and med size companies

· Type of portfolio: commercial/microcredit.

· Total amount per product: until 500 SMMLV (salaries minimal per month) for SMES and until 25 SMMLV (salaries minimal per month) micro companies.

·  Coverage: 70%

·  Commission: 2,25% Anticipated annual. A.A

· Credit destiny: credit operations designated to the financial of stock in trade in reference to manpower, reacquisition of enginery and equipment, leasable repairs, repairs and reconstruction of assets for commercial and industrial activities and replacement of wrecks vehicles not covered by the insurance affected by violent acts or terrorism.  

· Term: no dead line.

-Quindio government" extraordinary guarantee program

·  Product code: EMP034

· Description: The government of the department of Quindío, with the objective of promote the development of the entrepreneurs of its región, has already implemented with the FNG S.A an extraordinary program which allow support until a 50% coverage of the credits operations designated to self-investment and manpower stock in trade paid by the bank intermediaries to companies housed on Quindío.

·  Beneficiaries: micro companies housed on Quindío.

·  Type of portfolio: microcredit.

·  Total amount per credit: until 25 SMMLV (salaries minimal per month)

·  Coverage: 50%

·  Commission: assumed by the departmental governance.

·  Credit destiny: manpower stock in trade, self investment, business capitalization.

·  Term: 36 month maximum.​

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Date: 18 - 11 - 2017 Last modified date: 18 - 11 - 2017 Visit num: 9037525
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PBX: (571) 323 9000 FAX: (571) 323 9006 Bogotá,
servicio.cliente@fng.gov.co - notificacionesjudiciales@fng.gov.co
Colombia - Customer Service: 018000 910 188 - Complaints and Claims: 018000 919 670
Working Hours: Monday to Friday 8:00 a.m - 5:00 p.m.