ERREMMEGI is a financial service that allows entrepreneurs to cut the passive expenses on loans. ERREMMEGI intervenes on the variable component of the cost of money, i.e. the exchange rate spread. It is a real and tangible way of getting loans at extremely convenient conditions for the following reasons:

1) In the case of a loan it is possible to determine the maximum ceiling for the cost of money. Any increase in the cost of money compared to the set limit is shouldered by the client who covers the difference with an adequate coverage.

2) Managing loans in which the cost of money is almost zero is no longer a dream.

ERREMMEGI can intervene on the following types of lines of credit:

1) short-term (less than 18 months, renewable at the bank's discretion: - current account overdraft - advance payments in foreign currencies

2) medium-term (more than 18 months with ad hoc measures): - mortgages (multicurrency, single currency) - opening of mortgage credit - leasing

Look at the ERREMMEGI chart

This service provides companies operating abroad the qualified external support that only the operators of Effepi' PROFESSIONALE s.r.l. can give.
Thanks to a limited proxy a company can hand over to real experts the management of relations with banks for foreign transactions alone.
In other words, after receiving the initial input from the company's managing director, it is up to Effepi' PROFESSIONALE s.r.l. to take out a commercial loan and check in real time the initial exchange rate, then the trend of the chosen currency and finally the precise exchange rate at the closing of the transaction.

Companies can finally take advantage of trading models for the planning of currency flows resulting from import - export transactions thanks to a strategy in line with the fluctuations in the currencies of price lists or in purchase transactions.

Trouble-Free Risk Management consists in processing data that our clients can use in deciding the optimal fixing for import - export pricelists by identifying the break-even point between the company's commercial competitiveness and the trend in foreign exchange markets. This way it is possible to plan strategies for actions to protect the gross operating margin.

• Proposal for defining the exchange rate levels for pricelists
• Assessment of the exchange risk
• Management of the exchange risk
• Planning of protection strategies for the defined exchange rate levels
• Telephone helpline operated by Effepì s.r.l. experts in foreign exchange rates
• Assistance in financing transactions like export loan credits and their related terms
• Direct assistance through on-site visits for planning and assessing strategies
• Monthly report on the trend in the results achieved

n using the difference in the annual turnover between the SUPPLY and DEMAND as the discriminant - from EUR 5,000 to EUR 40,000 - we rely on the services of the GRUPPO GENERAL s.p.a. based in Biella.
The brokerage for these low-volume transactions is marked up by 50 Euros + VAT at the expense of the SUPPLIER by Effepì PROFESSIONALE s.r.l. for EXPENSES NOT SPECIFIED IN THE PRELIMINARY REVIEW. If the outcome is positive, a further1% of the plafond granted to the SUPPLIER is applied.
It is understood that Effepì PROFESSIONALE searches for companies whose demand for support to the business cycle amount to more than EUR 100,000.

For said amounts and amounts of more than EUR 40,000 Banca IFIS S.P.A. is our partner in this initiative. Thanks to BANCA IFIS the company can rely on a solid financial support to its development at a financial cost equal to the EURIBOR rate + a 2% SPREAD plus a FACTORING FEE (see the box on the left).

The experience we have gained in the course of time has allowed us to establish a partnership with EUROGROUP, Italy's leader in consultancy services to companies. EUROGROUP supports the growth of enterprises and favors technological innovation and competitiveness on Italian and foreign markets. Established by the "Istituto Finanziario della Regione Piemonte" (Financial Institute of the Piedmont Region), the group has become a pioneer in this sector in Italy and Europe.

* Financial consultancy on incentives and facilities
* Security on bank loans
* Export assistancet

If a company needs to search for facilities rather than draw up a business plan for concessional credits and their related costs for the company without any guarantee of success, we have chosen to rely on an expert of recognized standing like the EUROGROUP, which charges most of the costs borne in drawing up the business plan once the concessional loan has been granted.
The principle of "pay if you have benefit" is an integral part of our company philosophy and it inspires the approach we use in a complex sector like that of concessional credit.

http://www.eurogroup.biz e-mail e.ghiorzo@eurogroup.biz