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Interest-free Loans and Facilities

It is an honor to provide various types of loans and financial facilities for technology companies since the beginning of the activities of the fund. These loans and facilities are provided, as follows:

 

Interest-free loan is a contract to lend a determined amount of money to justifiable natural and legal individuals (as the borrower) by the fund (the lender). Our fund has aimed to give free-interest loans in order to provide working capital for specific projects (under certain circumstances).

 

The fund aims for installment purchase and sale in order to provide facilities for suppling raw materials, machinery, spare parts, as well as tools and facilities for technology companies.

 

One of the major concerns of our fund is the financial support of projects in the field of technology through introducing a valid guarantor to obtain services and warranties from finance institutions, such as banks, funds and executive agencies. Therefore, based on the statute approved by the Council of Ministers, the Hightech Development Fund is eligible to guarantee the repayment of installments and all responsibilities of active companies in the field of science.

 

This process is defined as forward purchasing of industrial products at a certain price. In order to facilitate the provision of working capital of companies operating in the technology field, our fund has aimed to forward purchase their products. By doing so, the concern of the company regarding selling the product is temporarily fixed. In addition, this act leads to the creation of a working capital for the company, which is followed by the modification of the properties of the product in order to be tailored to the market needs.

 

Mudarabah is a partnership or trust-financing contract, where one partner gives money to another for investing in a commercial enterprise, and the final benefit is divided between the two parties. In order to facilitate the expansion of trades (product purchase and sell), our fund can create a mudarabah contract, if needed, through adherence to the following notes:

Given the short duration of the mudarabah contract, the received information must be accurate and the demand of the applicant must be strictly analyzed. In addition, the fund must be assured of the type of activity of the demandant, the financial status of the applicant from sale of goods (according to the current regulations of the country) and return of the expected capital during the contract duration before the formation of mudarabah contract.

 

In order to share the profit and loss in research and technology projects, the fund can arrange equity participation, if required by customers, while adhering to the following terms:

Definition of equity participation: this term is defined as the integration of cash or in-kind partnership shares, owned by natural or legal individuals to be shared in order to profit according to the contract.

Note 1: the capital will be deposited to the account of the company based on the cost of previous payments and after the confirmation by the trusted moderator of the fund in accordance with advances made in services agreed by the partner and the fund.

Note 2: the maximum share of the fund in equity participation is 80% of the total cost of the project implementation.

Equity participations are arranged to provide the necessary facilities for activities of the partner. However, the subject of participation must be determined.

This type of contract is made only when both partners deposite their determined share to a special account in the bank for the company. In case all or a part of the partnership share is in-kind, this partnership share will be given to the manager(s) of the company according to the regulations of the contract.

Payment of the partnership share in this contract is done repeatedly based on the contract rules. The equity participation will be refined and elevated at the end of the project.

Banks are obliged to inform in the equity participation contract that the manager(s) of civil companies, which are established based on regulations, are not allowed to conclude deals or accept financial commitments more than the deposited partnership share or delivered to the manager(s) of companies. Using different conditions, compared to the regular participations of banks, the Hightech Development Fund has aimed to establish a mechanism based on the original civil partnership, such as removal of regular bank collaterals and elimination of banking interest rates.

 

Leasing is a certain type of financial operation and a rent-based highly specialized field of credit activity, in which a type of contract is made with the agreement of two or more individuals, either natural or legal, in order to provide the same capital or durable consumer goods or benefits obtained from these products, which could be rented.

Given the lack of familiarity of banks with the type of activity of technology companies, banks provide leasing contracts for products with official documents and when the installments at the end of the renting period have high values (such as all types of cars). Therefore, it is not expected from the banks to invest in products, which have short longevity due to accelerated growth and changes in technology (such as medical equipment and software). Another factor for not participating in leasing of a product by banks is lack of an official rentable document.

In a model provided by the fund, technology companies can present their products to the market through hire-purchase/installment sales. It is obvious that selling products in this way, technology and knowledge-based companies will be able to obtain the necessary working capital to expand their production. In addition, the final customer of the product can easily use this technology-based product with bringing at least 30% share of the product price and acquire the product after paying the installments.

 

 

 

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جهت استفاده از خدمات صندوق در صورتی که تا کنون عضو نشده‌اید گزینه عضویت در سایت و در غیر اینصورت  گزینه ورود به سیستم را انتخاب نمایید.

 

   

پیوندهای اصلی
آشنایی با صندوق
قوانین و مقررات
تماس با ما
خدمات صندوق
Issuance of Various Warranties
Venture Capital (Bold)
Interest-free Loans and Facilities
Leasing of Technology Products
Empowering of Technology Companies
Financial Brokerage of Executive Agencies
آدرس

تهران، کیلومتر20 جاده دماوند ، پارک فناوری پردیس ، نبش نوآوری هشتم ، پلاک 82

2176251125

info@hitechfund.ir