We are in a very special economic phase. The crisis that now gripped the world economy since 2008 has created new very interesting spaces open to "new entrepreneurs", the so-called startuppers.
This is a new generation - not always in the sense of registering - of entrepreneurs, who have understood that on one hand the innovation rewards a market in great turmoil like the current one, and on the other hand they must create a job that otherwise becomes more and more hard to find.
As a result, new companies are emerging with increasing frequency, both of pure entrepreneurial initiative and as a spin off of large corporate. The fact is that the funds available to start-ups increase as well as many tax benefits, first of all, but also in obtaining bank loans.
Problem: in 2016 the innovative start-ups in Italy were about 6400, or 0.4% of the total Italian SMEs.
Given that about 80% of start-ups can not survive, the question arises: why are we so focused on this tiny reality and forget about the remaining 99.06%?
And above all, what do old Italian SMEs need?
The Italian business world is today made, for a half, of family enterprises, and more generally of small and medium-sized companies. The biggest problems facing today are certainly:
• difficulty in accessing credit, with banks pulling the belt on all loans,
• need to innovate in the face of lack of liquidity
• generational change, for family companies.
Which alternatives are there:
• secured loans: under the Junker plan, a risk sharing platform is under construction, which will provide 70,000 Italian SMEs with loans guaranteed for 80% of the deposits and loans fund and the European Investment Fund. There is talk of a maximum 150,000 euros of financing per company, and a total of 3 billion.
• Pir or individual savings plans: financial instruments in which at least 70% must be invested in instruments of Italian or foreign companies as long as they have a stable organization in Italy and 30% of this must be invested in SMEs.
• Private financing: the entry of investors - private or institutional - who can decide to invest in a company that presents a profitable growth plan linked to a specific project (product or process innovation, internationalization, etc. ...).
• Sale: it is not a disgrace to decide to sell your company (in minority or majority share). The company may be in a positive growth phase, and therefore be interesting for the acquisition by a company that is recruiting on the market, or it may be in a moment of crisis linked to a bad management in which case the sale is linked to the realization of a turnaround, that is a business recovery plan.
The good news is that the alternatives exist, the bad one is that as always nothing falls into our heads, we must activate, draw up a project and find the best means and the most appropriate channels to make it happen.