To accept bitcoins in your business

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For a business to start accepting Bitcoins is to take a step forward towards new technologies. Since they were launched in 2009, cryptocurrenciesare changing the way money is viewed and handled.

Unlike credit card networks and payment processors like PayPal, Bitcoins are not owned by a company. Cryptocurrencies are the world’s first fully open payment network that anyone with an Internet connection can participate in.

To accept payment in Bitcoins in your business is not as complicated as it might seem. You simply need a tool called wallet, which will allow you to receive the cryptocurrency when you are paid by a customer, store it in your virtual wallet and, after that, deliver the product to the buyer or offer your service.

collect with bitcoins
WHAT ARE ITS ADVANTAGES

– It has no cost. There are no commissions. Accepting payments through cryptocurrencies has no cost to you as a business.

– Starting to accept payments with cryptocurrencies will not take you more than 2 minutes.

– There are no fake Bitcoins. There is therefore no fraud. Another plus point is that the sender cannot roll back transactions.

– It is a global currency that allows you to receive payments worldwide.

– Your accounting is simplified by digitally recorded all transactions.

– You can receive the payments you want and of any amount, without limits.

– It helps you stand out from the competition.

– Guarantees the privacy of the transaction. The movement does not contain any identifying information for the buyer or seller.

– They are an example of security. Since its inception, it has never been possible to successfully hack the Bitcoin network.

cryptocurrency drawbacks
WHAT ARE ITS DRAWBACKS

– The rapid fluctuation of its value can cause you to incur a loss if after accepting a payment the value of the cryptocurrency drops.

– Although cryptocurrencies are already a very common topic of conversation, not everyone has them or knows how their transactions work.

– There is a regulatory vacuum because some governments still do not know how to regulate Bitcoin.

 

Using cryptocurrencies as a means of payment is not illegal in any free country in the world. However, accepting cryptocurrencies does not exempt from fulfilling the same obligations as with payments in traditional currencies.

In the case of Spain, you must collect VAT when selling a product or service regardless of the currency in which you are paid. If you sell a jacket of € 100, you must charge € 121 with VAT included,and on the ticket you will show the applied bitcoin-euro quote, with the name of the platform used, indicating the total in Bitcoins that you have charged the customer.

 

Cryptocurrencies

Now that you know the advantages and disadvantages of accepting cryptocurrencies asa form of payment, you will be able to clearly evaluate if it is a payment method suitable for you or your business. In any case, you should consider it as a way to expand or improve your business, and not to solve some problem.

If you decide to accept bitcoins as a form of payment, do not forget to study this topic before.

We offer you tax, labor and legal advice for your business or enterprise. As well as easy access to financing and public subsidies.

 

We are the Business Center de Badalona, to give visibility and possibilities to your business.

In Espai 114 together we are a team; we want to inspire you and accompany you.

 

Entrepreneurship in times of (post)pandemic

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Are you thinking about starting an entrepreneurship and you are not sure if its the right time? Read on.

 

We do not dare to say it out loud, but it seems that the light at the end of the tunnel is already closer. It has been (and is still being) a time of change and adaptation to all levels of our lives. Among other things, the COVID-19 pandemic has turned the economy on its head. Sectors that were previously stagnant are now indispensable. Others have become less important or obsolete.

 

In this situation of transformation and uncertainty, it may seem more risky than usual to take the initiative in the business world. But, times of change sometimes generate very good business and entrepreneurship opportunities.

 

Therefore, this stage should not take away our desire to embark on new projects both work and personal.

 

We all agree that this situation has done a lot of damage to different sectors and businesses and has also caused a resurgence of some others.

Some examples of business that, due to the current situation, are booming, are the following.

online training

Online Training. They say that life is a constant learning. Even more so today, when people are preparing more and more for working life. Distance learning has become a necessity during these long months and now it seems that it is here to stay.

 

ecommerce

E-Commerce. Online shopping increased by nearly 75% during lockdown. 11.5% of today’s online shoppers did not do so before COVID. Surely you have experienced it yourself firsthand. You have bought or buy things through the internet that a few months before you would not have considered not buying in a physical store.

 

cybersecurity

Cybersecurity. It seems that this pandemic has meant an awakening of hackers. Computer viruses and digital hijackings have been part of the day-to-day life of countless companies and individuals. This has created a great need to maintain and strengthen computer and network security.

 

take away

Food and Take Away: Whether you already have a restaurant or not, the food delivery or take away boom is here. It has in many cases been the only thing that has kept bars and restaurants afloat around the world and consumers have widely appreciated it. Once the worst of this crisis is over, the consumption of food delivery remains one of the preferred options of consumers.

 

online services

On-site services. During the harshest lockdown, we were very limited in accessing different services. To meet these needs, many companies have started to offer their services at home and these have been very well received. Some examples are beauty, hairdressing and aesthetic services, computer repair services and pet care among many others.

 

These are just five of the sectors that have gained strength in this adverse situation. We encourage you to take the initiative, either on a personal or professional level. Get out of the workplace and operations center that your home has become during this time and venture into developing your work activity beyond your home.

 

If you need support or advice for your next venture or your current business, you can count on Espai 114. We offer you tax, labor and legal advice. As well as easy access to financing and public subsidies.

 

We are the Business Center of Badalona,to give visibility and possibilities to your business.

In Espai 114 together we are a team; we want to inspire you and accompany you.

 

Synergies between Espai 114 and Lladó Consultor Group

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Espai 114 is a support space for entrepreneurs and businessmen, where you can enjoy the different services of a business center, consulting and coworking space.

 

Entrepreneurs

 

In our Business Center you can find various services, from renting a coworking table to a private office, a meeting room to do an interview or training for 20 people, domiciliate your companies to receive your customers and your correspondence and we will be able to manage your electronic notifications.

In addition, you can contract the technical services to carry out bonus training for your workers and also process a subsidy that may be suitable for your project. In short, we liketo deal withentrepreneurship and support new business projects and see them grow.

By clicking on this link of Espai 114 you can see the services we offer you.

 

coworking entrepreneurs

 

All these services and more, you can find them in Espai 114, a business center in the heart of Badalona.

As we know, all our clients are entrepreneurs or businessmen who need the services of a consultancy, and we go hand in hand withLLADÓ CONSULTOR GROUP. A team of professionals (economists, lawyers, labour advisors…) with proven experience and great reputation in the business consulting sector.

 

entrepreneurship

 

If you have hired or want to hire one of our coworking services or offices and want to have the consulting services of the labour, tax and/or legal departments, you should know that you will get a discount that will be applied to your monthly fee.

Ask us for this benefit and we will support you in your businessproject in all its aspects.

 

coworking badalona

 

We are the Badalona’s Business Center, to give visibility and possibilities to your business.

In Espai 114 we are a team; we want to inspire and accompany you.

COVID LINE: DIRECT AID TO THE SELF-EMPLOYED AND COMPANIES TO SUPPORT SOLVENCY AND REDUCE PRIVATE SECTOR DEBT

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The COVID LINE is the new direct aid for the self-employed and companies to deal with the COVID-19. 1 billion will be allocated to direct aid for SMEs and the self-employed in Catalonia. Exactly 993 million euros correspond to Catalonia of the 7 billion euros that the Central Government allocates to direct aid.

 

What is the budgeted amount?

The endowment of the line corresponding to direct aids arrives to the 7,000 million euros distributing 2,000 million euros between the Balearic and Canary Islands and the other 5 billion euros between the rest of the Autonomous Communities and the cities of Ceuta and Melilla.
Note: The distribution indicators to be applied by Autonomous Community will follow the line of the REAC EU funds using indicators of income, unemployment and youth unemployment.

 

covid help

Who can be a beneficiary?

The recipients of the aid will be the self-employed and non-financial companies that meet the following conditions:

– Viable companies, but with solvency problems as a result of approved restrictions to slow the advance of the virus. Therefore, they will have to prove, through the quarterly declarations of VAT or indirect tax equivalent to a drop in turnover in 2020 above 30% compared to 2019.

– Not having had a negative net result in the 2019 income tax return or IS.

– Have the tax domicile in Spanish territory.

– Not having a home in a tax haven.

– Not being in bankruptcy.

– Not to have ceased the activity at the time of the application.

– Do not distribute dividends or increase the salaries of the management team in a period of two years.

– Commit to maintaining the activity until June 30, 2022.

– Be aware of tax and Social Security payment payments.

– The applicant’s sector must be included in one of the following CNAEs that we incorporate at the end of the document. *

Note: Companies with a turnover of more than € 10 million and operating in several Autonomous Communities will be able to claim the aid in all of them and not only in those with their tax headquarters.

 

What are the quantities and their characteristics?

The Autonomous Communities and Cities of Ceuta and Melilla will be responsible for establishing the criteria for aid per recipient, so that the following maximum limits are not exceeded:

1. 3,000 euros in the case of employers or professionals who apply the objective estimation system in the Personal Income Tax.

2. For those employers and professionals whose volume of annual operations declared or verified by the Administration, in Value Added Tax or equivalent indirect tax, has fallen by more than 30% in 2020 compared to the year 2019, the maximum aid to be granted will be 40% of the additional drop in income in the case of micro SMEs and the self-employed (with up to 10 workers), and up to 20% for the rest of the companies ( more than 10 workers). Specifically, the self-employed who apply the objective estimation system in the personal income tax may receive up to 3,000 euros and between a minimum of 4,000 and a maximum of 200,000 euros the rest of the self-employed and companies. To set the amount, proportional tranches will be established depending on the size and the drop in turnover. The Autonomous Communities may set additional criteria. These direct aids will be finalist, being used to satisfy the debt and make payments to suppliers and other creditors, financial and non-financial, as well as the fixed costs passed on to the self-employed and companies considered eligible as long as they have been reported between on March 1, 2020 and May 31, 2021. First of all, payments to suppliers will be satisfied, in order of seniority and, if necessary, the nominal value of the bank debt will be reduced, with a reduction in the nominal value of the debt with public guarantee.

 

covid aid application

Applications

The Spanish Government has agreed to distribute the money through the Autonomous Communities within a maximum period of one month and 10 days, ie at the end of April and subsequently they will define the conditions and time for companies and self-employed people can apply for them.
Calls are expected to open in May and have been paid to beneficiaries before the summer.

 

Additional help material:

Real Decreto-ley 5/2021, of March 13th, of extraordinary measures to support business solvency in response to the COVID-19 pandemic.

Remember that in order to apply for the grant, you will need a digital certificate or Mobile idCAT. If you do not have a digital certificate, please contact us.

 

If you think you can meet the requirements and are interested in receiving this grant you can contact us at the following email: emate@lladogrup.com

 

*CNAE: 0710, 1052, 1083, 1101, 1103, 1413, 1419, 1420, 1439, 1811, 1812, 1813, 1814, 1820, 2051, 2441, 2670, 2731, 3212, 3213, 3316, 3530, 4616, 4617, 4624, 4634, 4636, 4637, 4638, 4639, 4644, 4648, 4719, 4724, 4725, 4741, 4751, 4762, 4771, 4772, 4777, 4782, 4789, 4799, 4931, 4932, 4939, 5010, 5030, 5110, 5221, 5222, 5223, 5510, 5520, 5530, 5590, 5610, 5621, 5629, 5630, 5813, 5914, 7420, 7711, 7712, 7721, 7722, 7729, 7733, 7734, 7735, 7739, 7911, 7912, 7990, 8219, 8230, 8299, 9001, 9002, 9004, 9102, 9103, 9104, 9200, 9311, 9313, 9319, 9312, 9329, 9523, 9525, 9601, 9604.

If you have a CNAE that is not listed, you can contact us. It is very possible that this list will expand as the call approaches.

 

Do you need financial solutions? Find out here how can we help you.

 

We are the Badalona’s Business Center, to give visibility and possibilities to your business.

In Espai 114 together we are a team; we want to inspire and accompany you.

Kumi Sneakers, the new vegan shoes

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Kumi Sneakers, is a company of recent creation, with an immense desire to get things right. It is a brand of vegan and sustainable shoes.

Its ideals are:

– Respect and love for animals.

– Sustainability in the fashion industry: betting on a shift towards sustainable fashion made with recycled and vegan materials.

– Support for local production: reducing the impact of CO2 and collaborating in the environment economy.

 

They are clients of Lladó Grup Consultor and Espai 114 since they started this adventure and today they start a new one, financing. We want you to know this company and the path they are traveling.

Alexandra and Sergio answer the questions we ask them:

What is KUMI SNEAKERS? Why vegan sneakers?

KUMI Sneakers is a brand of sustainable shoes, made with vegan and recycled materials, that means that do not have any animal components and they give a second chance to materials such as plastic, that does not decompose.

 

Our brand philosophy is based on three pillars: respect and love for animals, a sustainable fashion industry and support for the local economy. So one of our requirements when creating our Classic KS model is that the materials were vegan.

In addition, we wanted to break with the idea that vegan is boring, creating an original, colorful and urban design.

 

Why did you choose us, Espai114 for direct debit and Lladó for consulting services?

In the beginning we went to advise ourselves on the creation of a company in the Cambra de Comerç of Barcelona and there we were recommended the service of Lladó.

After contacting and evaluating the proposal they sent us, we saw that they met our main requirement: to be able to put in their hands all the management in relation to the company and not worry about topics that we do not know, since the services they offer are very complete and there is a team of experts with a lot of experience behind.

In addition, being an online company, we do not have a physical space todomiciliate our company. One of the advantages of the online world is not having to rent a space and, in a certain way, you save an expense. However, it is a necessary requirement when setting up an enterprise. From Lladó we were offered your Espai114 services and we saw that not only can we domiciliate our ocmpany, but we can use the coworking space when necessary and that there is direct communication with the team (for example, you notify us if we receive postal mail) and that it cares about the development of our project. So we are very happy with the treatment and service received.

 

What makes your production process special?

Following our brand philosophy, our sneakers are cruelty free. That means that we do not experiment with animals at any point in the production process.

Our shoes are produced in Elche in a shoe factory with a lot of experience in the sector. It is essential for us to have a close relationship with our suppliers that allows us to have constant communication, to know that adequate working conditions are met and to ensure that every detail of the production is taken care of.

 

Is it a national product? Do you prioritize KM0?

As mentioned, our shoes are manufactured in Elche and are designed in Barcelona. In addition to prioritizing in a close relationship with our suppliers, we also chose to manufacture in Spain to reduce transport CO2 emissions and support the local economy.

 

What do you consider to be the basic elements that an entrepreneurial project must bring together to succeed and grow?

We think that the main qualities that an entrepreneurial project should have are: to have very well defined your product or service, especially to identify its differential value, to create a plan that will help you move forward step by step without losing your way, the advise of specialized people in their field to support you in tasks in which you are inexperienced, and finally, to work very hard and be aware of how the sector is where you want to belong.

 

Why did you opt for this kind of crowdfunding?

Crowdfunding allows you to set your goal according to the needs of your project, for example, you can ask for 1000€ or 50,000€, which you think is necessary to be able to carry out your project. In addition, it allows both known and unknown people to support and value your project, so thanks to the contributions you also know the feasibility of going on the market and the possible success you will have. There are projects that have raised 200% more than in demand so they are now well-established and recognized brands in their sector. On the other hand, you’re not tied to financial institutions, and whether you’re getting it or not you’re getting your campaign goal, you’re not in debt.

 

Why Kickstarter?

We decided to opt for theKickstarter platform because it is one of the most important in terms of crowdfunding. It is an internationally known platform that has many active campaigns of different themes every day. It’s also very simple and intuitive to create a campaign on your platform.

To access the Kumi Sneakers campaign, you can click here.

 

What is the basis of the crowdfunding campaign you launch on thisplatform?

Our goal is to raise the money needed to be able to launch our brand to the market. In the campaign we explain in a very transparent way what has led us to create KUMI Sneakers and everything that surrounds the brand, from materials, the production process to certifications and collaborations.

People who contribute to our project (or backers) in exchange for their donation will receive as a reward a pack of shoes that can be a pair, two pairs, three pairs or six pairs depending on the amount contributed.

At the time of the campaign, it is a pre-sale as the shoes are not yet produced (that is why the crowdfunding objective). Once the campaign is over and the economic goal is reached, a list is sent to the factory to prepare all orders and send them as soon as possible to our backers.

 

Are you planning a communication campaign on this funding? Have you started it yet?

Yes, we’ve already started with pre-bell actions.

Today, even if you have a very powerful idea and project, it is very important to communicate it because otherwise all the effort and time invested can be left in nothing. That’s why, for about a fortnight, we started with advertising actions that will increase with the start of the campaign.

 

Once the financing plan is complete, do you plan to open a payment gateway on your website? What will commercialization look like?

Once the crowdfunding campaign is over, Classic KS shoes can be purchased through our website and with shipments worldwide.

 

As you say on your website, Kumi Sneakers is much more than a vegan sneaker project, you bet on sustainability and change in society and this deserves more than a place in the market.

We are delighted that you have given us this interview and from Espai 114 we wish you many successes.

 

We are the Business Center of Badalona, to give visibility and possibilities to your business.

In Espai 114 together we are a team; we want to inspire you and accompany you.

International Women’s Day

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Today, March 8, International Women’s Day, we commemorate as every year the long struggle of women for their emancipation and active participation in society.

 

It is everyone’s job, regardless of gender, to work to end the discrimination still faced by women in many aspects of our society.

Women's First World War

British Poster for the Recruitment of Women to Armament Factories 1916. Photo: Hulton Archive/Getty Images.

With World War I, women entered the jobs traditionally occupied by men, as they were fighting on the front line. At the end of the conflict, the return of women to their usual posts, with the inferiority of conditions before the war, led to the beginning of their struggle for equal labour rights.

 

This struggle leads us to the current employment situation, where the pay gapand glass ceilings are still a reality that causes a great imbalance between the opportunities of women and men to reach the same place and achieve the same goals.

women's world of work

Today we can say that women are present in virtually every sector of our economy and at all levels, even if we still have to get more representation at the highest levels within companies.

 

Women are employees, employers and self-employed. Our workforce contributes, at a minimum, to the same extent as that of men in the economy of our state.

 

On this International Women’s Day, from Espai 114 we want to remind you that you have at your disposal our Business Center (private offices, coworking, meeting room, entrepreneurship tools, financial solutions and labor, tax and legal consulting service) to support and grow all your professional projects.

women espai 114

This post is dedicated to the women who are part of the Espai 114 team.

 

We are theBusiness Center of Badalona, to give visibility and possibilities to your business and today more than ever to women.

 

In Espai 114 together we are a team; we want to inspire you and accompany you.

Subsidized training and RTER

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Subsidized training: improve the competitiveness of your company by training your employees.

The training of workers is a decisive aspect in the success of companies. If they have the right knowledge and skills, they are productive workers so they help companies become competitive.

Today’s labour market requires everyone to constantly update knowledge and skills to adapt to industry-specific changes.

Currently, competition between companies is increasing, and this is when bonus training breaks out for companies. To make a difference you have to train the employees.

Subsidized training, also named continuous or programmed training, allows companies to provide their workers with training courses. These are related to the activity of the company or job, so that their professional skills and competencies are updated or improved.

 

Subsidized training

FUNDAE was born with the aim of reinforcing the importance of training within companies, to adapt an increasing labor market where it is essential to anticipate the needs that your company may have.

Every company that cots for its workers in the General Social Security Scheme has a fee to finance the training of its employees. Both large companies, SMEs, associations, foundations or non-governmental organizations (NGOs).

This training is a free training for workers and has a cost of 0 euros to companies,since the amount of the training is rewardable in social security fees.

How do I proceed to benefit from Subsidized Training?

The company has to pay the invoice before the start of the course and the month following the completion of the course, the corresponding bonus may apply to the Social Security payment of that month.

Note: Self-employed and civil servants cannot benefit from this training.

 

workers rter

RTER and Subsidized training in companies

With extraordinary urgent measures to address the economic and social impact of COVID-19, many companies were directly or indirectly affected by the health crisis and applied for a Record of Temporary Employment Regulation (RTER) dossier.

Workers affected by an RTER may perform subsidized training. This is established by Article 5 of Royal Decree 694/2017 of July 3, which implements Law 30/2015 of 9 September regulating the Vocational Training System for Employment in the field of employment. This indicates that:

“Employees providing their services in undertakings or public entities not eligible for training agreements in public administrations and social security for vocational training, including discontinued fixed workers in non-occupation periods, as well as workers who enter unemployment when in training periods and workers affected by temporary contract suspension measures may participate for economic, technical, organisational or production reasons, during their periods of suspension of employment”, i.e. workers who have been affected by RTER.

For this reason, taking advantage of this difficult situation for a company, we recommend that you use this time to train your team, whether they are teleworking, or in RTER.

 

worker training

If you are a worker and want to do a training related to your job, you will need to select the training course and inform your company that you are interested in taking a reward course for workers, to authorize it.

If you are acompany, you must select the training action that you want your employees to take or advise you to choose which training best suits you.

If you want to start subsidized training for your company, you will only have to contact us.

 

We are the Business Center of Badalona, to give visibility and possibilities to your business.

In Espai 114 together we are a team; we want to inspire you and accompany you.

What is a Business Center

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In case you still don’t know for sure what a Business Center is, today we’re going to explain it to you.

A Business Center is a place that offers private workspaces and complementary services for companies, so that they can carry out their professional activity successfully.

It is a work center where companies from different sectors coexist.

 

Save time and money

Business Centers offer more flexible terms than traditional offices. With a single payment of the rent of the space, the company does not have to think about anything else, the center takes care of the rest: air conditioning costs, supplies, cleaning, maintenance, reception… You can see the comparison between renting a traditional office and renting a space in a business center in this old post.

 

In addition, companies can outsource tasks, saving time. Business centers have services such as mail reception, parcels, reception of visits, courier, secretarial, etc.

 

business center room meetings

Flexibility and workspaces

In our space you have availability of your office or coworking 24 hours a day and every day of the year.

In addition to the flexibility regarding the adaptation and evolution of your work. You can move from a coworking table to a private office or simply have your company domiciled at our address. In addition, you have a multipurpose room for hours to meet with your workers or customers.

You can decide the type of space and time you need it.

 

Image

Key location, in our case in the center of Badalona, so that companies project a more professional image and thus provide greater visibility to their business and a good communication. This will make your image look favored.

 

Consulting

This Business Center, at the same time, is a business consultancy. Lladó Grup Consultor is a consolidated consultancy, which was created in 1955, has other differentiated facilities and is located a few blocks from our space. Here you can receive labor, tax and legal advice without having to hire this service in another consultan advice outside your office.

 

secure business center

Secure business center

This 2021 will continue to be marked by the COVID-19 pandemic. Companies must adapt quickly to changes and secure their workers’ space. That’s why business workers are coming here to work remotely. We seek the safety of our customers, with protection systems between them and health measures.

 

SERVICES WE OFFER AT ESPAI 114:

Coworking

Private offices

Business domiciliation

Meeting room

Financial solutions

Consulting

Continuous formation

 

We are the Business Center of Badalona, to give visibility and possibilities to your business.

In Espai 114 together we form a team; we want to inspire you and accompany you.

 

Funding for entrepreneurs

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In this article we give you some options to make it easier for you to know how to finance yourself and what kind of funding for entrepreneurs exists.

Our business center is always occupied by entrepreneurs. Many of them already have a business on track but others start in the new journey.

If you are going to start your business project it is always better to start with an initial capital to have investment capacity.

 

  1. OWN CAPITAL AND CAPITALIZATION OF UNEMPLOYMENT

You can start your business idea with your own savings, but if you don’t have savings and you are charging the unemployment benefit you can apply for the capitalization of it by going to the Public Employment Service Office of your city. This is a one-time payment of all fees that belong to you for unemployment.

 

  1. ICO LOANS

Funding lines offered by theOfficial Credit Institute (ICO) and aimed at entrepreneurs, SMEs and freelancers. They have very attractive financial conditions and allow to finance 100% of the investment.

These loans are a financial alternative for entrepreneurs and SMEs that is renewed every year. Practically every year the following ICO lines are offered:

ICO Companies and Entrepreneurs

ICO SGR Guarantee

ICO Commercial credit

ICO International

ICO Exporters

ICO International Channel

 

  1. PUBLIC SUBVENTION

This is a financing for an already created company and not for an entrepreneur who starts its activity. There are some aids for self-employed people from regional or state administrations or for more international projects: the European Union. They are linked to the fulfillment of requirements and their award is medium-long term.

 

  1. BANK FINANCING

These are credits for entrepreneurs and they usually ask for guarantees and some solvency.

They’re harder to come by, but if you have a small initial capital, banks are more receptive to granting them. In this way, they become partners in your own business.

The main financing routes offered by banks are as follows:

Discount lines.

Mortgage loans.

Medium or long-term personal loans with more interest.

Business credits, immediate credits for freelancers, etc.

 

  1. PERSONAL LOAN FROM PRIVATE COMPANIES

Companies that act as a source of funding. It is fast money, but the interest rate is usually very high and the repayment period short.

 

  1. CROWFUNDING AND CROWDLENDING

Crowdfunding is a type of collective financing of projects made over the Internet. It is an alternative financing tool for conventional and other not-so-common business projects.

You usually ask for an amount of money that people lend you without a refund, but in exchange for something symbolic or a service. You have a more widespread article about crowfunding on the website of Lladó Grup Consultor.

On the other hand there is crowdlending, which would be similar to crowdfunding but people who offer the money are offered a high interest rate.

 

  1. BUSINESS ANGELS

They are usually individual investors who risk their wealth by investing in start-up business projects where they see real profitability options.

 

As you can see there are many ways to fund your project. If you need to find your source of funding for entrepreneurs, at Espai 114 we can help you as we have an advisors team.

 

We are the Business Center of Badalona, to give visibility and possibilities to your business.

In Espai 114 we are a team; we want to inspire you and accompany you.

 

 

Financial intermediation or financial broker

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Do you know what financial intermediation is?

When it comes time to buy a home and borrow from your financial institution, doubts always arise.

If you have to start a business, you are forced to make some investment in assets. You think your trusted bank will figure it out for you.

But all of a sudden, your bank doesn’t give you the mortgage you need?

Doesn’t your bank give you credit for your business project?

You need a new point of view to access the funding you need. Someone to accompany you throughout the process of buying your first home and they will clarify all the doubts that overwhelm you. Mortgage at fixed rate or variable rate? Is it possible to have a mortgage of 100 of the value of the estate?

 

 

You need someone to help you realize your business plan and be able to present yourself as it is due to other entities that will open the doors, and a better price.

We negotiate for you with the bank that will grant you the mortgage loan or personal loan.

We will do what is necessary to have new funding lines for your projects and your entrepreneurship.

 

Espai 114 has the experience you need to help you at this crucial time. We are your financial intermediation

You don’t lose anything contacting us and telling us your situation. We work successfully and discreetly.

Your mortgage with the best conditions. Free and agile analysis. Up to 100% of the buy-and-sell value. Accompaniment to the same signature.

We are the Business Center of Badalona, to give visibility and possibilities to your business. In Espai 114 together we form a team; we want to inspire you and accompany you.