ES
Credit Products
Fundación Reservas del País is the only second-tier financing platform with national funds specialized in the microfinance sector, seeking to boost the economy in the country's most vulnerable sectors. The institution offers credit products created for the current needs, seeking to promote financial inclusion and sustainable development for both the solidarity credit institutions it supports and their associated microentrepreneurs.
Created for all the at entities with microcredit programs tailored to vulnerable microenterprise populations that have productive activities.
We offer the best market conditions for microfinance institutions, combined with very attractive rates:
BENEFITS
- We provide stability.
- Fixed rates that allow partner entities to carry out their long-term planning.
- No additional costs.
- 0% commissions, legal fees, or closing costs.
- Placement Term
- Disbursements scheduled according to the entities' placement plan.
- Multiple disbursements.
- We offer multiple disbursements during the grace period of the loan.
CONDITIONS AND REQUIREMENTS
Financial and Management Documentation
- Dully completed loan application form.
- Last three audited financial statements
- Institutional Management Report (institutional report)
- Total and overdue portfolio report, including arrears detailed by age of balance.
- Index risk portfolio
- Plan for the loan placement.
- The institution's Annual Operating Plan.
- The institution's Strategic Plan.
Required Legal Documentation:
- Certification or certified copy of the institution's current bylaws, duly signed and sealed.
- Incorporation certificate
- Certified copy of the General Assembly document where the members of the current Directors Board were elected, along with their respective positions and valid period.
- Certified copy of the General Assembly or Directors Board meeting authorizing negotiations with the Fundación Reservas del País regarding the loan application, designating the signatories with their respective copies of their attached certificates.
This product is intended for the progressive improvement of the microentrepreneurs homes, who dedicate an area within their home to their economic activity.
We offer the best market conditions for microfinance institutions, combined with very attractive rates:
BENEFITS
- We provide stability
- Fixed rates that allow partner entities to carry out their long-term planning.
- No additional costs.
- 0% commissions, legal fees, or closing costs.
- Placement Term:
- Disbursements scheduled according to the entities' placement plan.
- Multiple disbursements.
- We offer multiple disbursements during the grace period of the loan.
Conditions and Requirements
Financial and Management Documentation
- Dully completed loan application form.
- Last three audited financial statements.
- Institutional Management Report (institutional report)
- Total and overdue portfolio report, including arrears detailed by age of balance.
- Index risk portfolio
- Plan for the loan placement
- The institution's Annual Operating Plan.
- The institution's Strategic Plan.
Required Legal Documentation:
- Portfolio at risk index.
- Minutes where the current Board of Directors was elected
- Certification or certified copy of the institution's current bylaws, duly signed and sealed.
- Incorporation certificate
- Certified copy of the General Assembly document where the members of the current Directors Board were elected, along with their respective positions and valid period.
- Certified copy of the General Assembly or Directors Board meeting authorizing negotiations with the Fundación Reservas del País regarding the loan application, designating the signatories with their respective copies of their attached certificates.
Created to finance "green investments" aimed at improving economic, social, and environmental sustainability, with an emphasis on climate change mitigation and adaptation by the microentrepreneurs served by our clients. We offer the best market conditions for microfinance institutions, combined with very attractive rates:
BENEFITS
- We provide stability.
- Fixed rates that allow partner entities to carry out their long-term planning.
- No additional costs.
- 0% commissions, legal fees, or closing costs.
- Placement Term:
- Disbursements scheduled according to the entities' placement plan
- Multiple disbursements.
- We offer multiple disbursements during the grace period of the loan.
CONDITIONS AND REQUIREMENTS
Financial and Management Documentation:
- Dully completed loan application form.
- Last three audited financial statements.
- Institutional Management Report (institutional report)
- Total and overdue portfolio report, including arrears detailed by age of balance.
- Index risk portfolio
- Plan for the loan placement
- The institution's Annual Operating Plan
- The institution's Strategic Plan.
Required Legal Documentation:
- Certification or certified copy of the institution's current bylaws, duly signed and sealed.
- Incorporation certificate
- Certified copy of the General Assembly document where the members of the current Directors Board were elected, along with their respective positions and valid period.
- Certified copy of the General Assembly or Directors Board meeting authorizing negotiations with the Fundación Reservas del País regarding the loan application, designating the signatories with their respective copies of their attached certificates.