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Our mantra is community development
Bermag is an internationally acting business, project management and communications consultancy. We facilitate public-private partnerships that advance local and regional entrepreneurial, innovation and transport policy. Our mantra is community development, working with regional governments, municipal councils, public development banks, funds, research facilities, entrepreneurial development organisations as well as a variety of media outlets, in particular in the contexts of SME development and financial engineering, mobility and logistics, energy and life sciences, ICT and microsystem technologies as well as the sharing and data economy.
We bring together public and private stakeholders from old and new EU member states, EU candidate as well as in the Eastern Partnership countries. Our head office is located in Szczecin, Poland, having branch offices in Austria and Germany.
Our services
Finance
Crowdfunding Monitor Series – Research for practical use
Crowdfunding Monitor 2018: An Overview of European Projects Financed on Startnext and Kickstarter Platforms between 2010 and mid-2017
Crowdfunding offers the possibility for founders to fund their project ideas, products, and services with small contributions of money from many individuals using internet platforms. This is especially important for start-ups and small and medium-sized enterprises (SMEs) because their access to the traditional forms of financing such as bank lending, business angels and venture capital investments are limited.
Based on a dataset of 12,152 European projects from the platforms Kickstarter and Startnext, Crowdfunding Monitor 2018 offers general information and clear recommendations for founders on which platform to choose for their project. It also provides guidance for funders on where to invest their money in order to be part of a successful project. In fact, Kickstarter and Startnext act as the most important crowdfunding platforms for European projects, thus, understanding the differences between success factors on both is important for regionally and internationally active investors, SMEs, founders and their advisors.
CROWDFUNDING TEAM AND COOPERATIONS WITH CORPORATIONS
Our Crowdfunding Team can help you to prepare and implement a crowdfunding-campaign for your project idea, product or service. If you or your company is interested in cooperating with us and our Partner, University of Applied Sciences Kufstein in Austria, please do not hesitate to contact us!
Financial engineering for innovative SMEs
Bermag led the communication and stakeholder involvement management and supported the roll-out of revolving financial instruments of the project JOSEFIN (Joint SME Finance for Innovation). The project identified key areas of intervention for providing targeted and individualised support to SMEs on their way to international markets. In an economic climate where commercial banks are hesitant to provide finance to SMEs, JOSEFIN facilitates access through innovative instruments and services provided by incubators, technology transfer centres, public development banks and funds in Germany, Poland, Latvia, Lithuania, Estonia, Sweden and Norway.
JOSEFIN related instruments support innovative and technology-oriented SMEs in the Baltic Sea Region. With the combination of innovative guarantee instruments (Innovation Loan Guaranties) and individual coaching, JOSEFIN sought to significantly reduce the risk for both financial institutions and companies.
The JOSEFIN Service Model combines a range of coaching and financing services for SMEs through all phases of their innovation or internationalisation projects. It is designed as a blueprint for regional implementation and is built around regional financing instruments that offer innovative SMEs easier access to finance. These instruments should feature specific elements (low collateral requirements, guarantees, revolving use of European funds). Existing loan instruments are often too bureaucratic and rigid in terms of loan volume limits and loan maturities. Furthermore collateral requirements are in most cases too high for young or small companies with innovative business concepts. The crucial element of the model is a working risk-sharing construction that diffuses the risk of default over different institutions. From the perspective of the loan giving institution, the most promising way to mitigate this risk is to involve other financing institutions in the securitization of the loan (JOSEFIN Loan Guarantee Model). This can be a public guarantee fund, a guarantee bank, or another public or semi-public provider of loan guarantees.
- JOSEFIN solution 1:
A public regional guarantee fund is co-financed by the EU’s Structural Funds or JEREMIE initiative (Joint European Resources for Micro to Medium Enterprises) and shares the risk with a commercial bank or regional loan fund. The maximum share of own cash contribution or the collateral contributed by the financed SME should be 20%.
- JOSEFIN solution 2:
In this option, the regional guarantee fund shares the risk with a counter-guarantee of the European Investment Fund (EIF) from the EU’s CIP-programme in order to minimise the risk share of both the commercial bank and the regional loan fund involved.
- JOSEFIN solution 3:
A commercial bank (or a regional loan fund) benefits directly from a counter-guarantee of the EIF without another public intermediary.
More information you can find in our JOSEFIN HANDBOOK – download
Transport
Advance businesses in the sharing and data economy
E-Mobility, Carpooling, Advance Passenger Transport
Bermag was involved in the business modeling of SocialCar working with carpooling providers, public transport operators, car sharing, bike sharing and taxi companies on integrated service models and ancillary services. SocialCar was a research and innovation project funded by Horizon 2020.
The projects offers an app and API that provides improved journey planning information to travellers. It offers travel alternatives which include connections from carpooling and other on-demand mobility service options at both ends of the public transport journey. It also provides real-time updates on delays and disruptions, offering instant re-planning of journey options to the destination while en-route. The core of the data feeding the app comes from integrating existing, but fragmented, open and proprietary data sources.
SocialCar does not adversely affect existing mobility services, on the contrary, it identifies business synergies between conventional and alternative transport providers. In its journey plan results, SocialCar includes travel options by a wide range of alternative mobility services such as carpooling, bike-share, taxi, car sharing, etc. for first and last mile connections to public transport services. This increases demand for such mobility services from a largely untapped segment of the market. By including such alternative mobility services in journey planning, SocialCar raises awareness amongst travellers that these services exist and can be used for part of their journey. It reduces uncertainty in their use by providing real-time updates on their availability and information on how to book them. Barriers to their use will be removed by making payment simpler and more convenient through the SocialCar app. It also has the potential to bring together SocialCar users with similar journey needs that are willing to share the cost of a taxi journey.
Solutions for advance passenger transport
Bermag as a part of the consortium of the SocialCar project develops a user-oriented platform for planning, booking and integrated payment combining carpooling and other on-demand services with regular collective transport, in an effort to mainstream the concept of a public-private co-modal urban transport. The project unites ITS developers, business analysts, transport engineers, carpoolers and public authorities from Italy, Greece, United Kingdom, Luxembourg, Poland, Switzerland, the Former Yugoslav Republic of Macedonia, Croatia, Slovenia, the Netherlands, Hungary, Spain and Belgium.
Solutions for public transport operators
SocialCar informs citizens of a whole range of new mobility, demand responsive and feeder services, which they could use to connect to and from appropriate high quality and high capacity public transport services. This widens the catchment area of the public transport services leading to increased patronage. Furthermore, while static information on routes and timetables are available at any site, dynamic information related to real time data, such as the time to the stop, might be not available. SocialCar will address this issue by exploiting the SocialCar community: where no real-time location data is available, passengers may provide location updates via location based services on their mobile or through the SocialCar community on social media. Multi-leg journeys requiring interchange entail uncertainties and risks. SocialCar reduces these uncertainties by providing constant real-time updates on delays and disruptions, offering instant re-planning of journey options to the destination. The core of the data feeding the new journey planning algorithms comes from integrating existing, but fragmented, open and proprietary data sources. SocialCar exploits the growth in social media use in order to expand the reach of the services offered, increase the quantity of information captured and enhance the quality of information delivered to travellers. SocialCar will also address issues related to the inconvenience of separately paying for each individual leg of a multi-modal journey.
Solutions for public authorities
Embracing the trends of the sharing economy, SocialCar contributes to various needs of public authorities. By bringing together data and information on transport supply from a wide range of fragmented, open and proprietary data sources, SocialCar is able to offer citizens journey plan options that consider the full range of transport possibilities. The provision of integrated information on public transport, on-demand services and mobility conditions supplemented by additional travel information harvested from social media brings in a new quality for local mobility networks. What makes a difference for public authorities is that SocialCar does not treat car users and public transport users as separate entities. It rather embraces car use within the mobility mix and considers end-to-end journey solutions which combine car use with public transport or other travel modes.
Solutions for carpooling providers
SocialCar incorporates carpool options within the journey planning results returned. The system can search for, and return, carpooling options that connect to suitable public transport services to complete the end-to-end journey. Using carpooling to connect to public transport, however, introduces new uncertainties to the journey such as the unknown availability of parking spaces at connection points. Additionally, there may be uncertainty related to the availability, reliability and punctuality of both the carpool trip and the public transport service. SocialCar reduces these uncertainties by providing constant real-time information updates on service availability and status. The system can, furthermore, update journey plans in response to unexpected disruptions while en-route. Road network and traffic data collected from sensors and mobile data probes, when available at the local level, are transmitted for real-time feedback to the SocialCar users, to arrange alternative routes. SocialCar, furthermore, facilitates the payment of the trip by managing transactions among all actors involved, when allowed by the local public transport providers.
More information under socialcar-project.eu
Advance city logistics
Efficient Urban Freight Transport (UFT) management and Toolbox for the establishment of a City Logistics Manager (CLM).
Bermag was one of the partners of the project C-LIEGE. C-LIEGE – Clean last mile transport and logistics management for smart and efficient local Governments in Europe – is conceived as a showcase for good practices and a helping hand for all European cities striving for cleaner and sustainable urban freight transportation. On the basis of good practices the project aimed to set out an integrated framework for energy efficient Urban Freight Transport (UFT) management and planning. A set of integrated solutions and demand-oriented measures were tested and shared in order to establish roadmaps for their implementation in European cities. Seven pilot experiments in six European countries assessed the effectiveness of the C-LIEGE approach: Bulgaria, Italy, Poland, United Kingdom, Germany and Malta.
C-LIEGE has successfully developed, tested and transferred demand-oriented measures and decision supporting tools towards reduction of energy, environmental and economic impacts of freight transport in urban environments. All seven pilot cities selected and implemented a package of soft measures such as access fees and time windows restrictions, environmental zones, recognition schemes, freight maps for appropriate routes, Freight Quality Partnerships, etc. The implementation of the pilot measures was supported by newly developed C-LIEGE tools: the Stakeholder Engagement Manual, the UFT Good Practice Database, the Push and Pull Measures Database, the Guideline for the development of Urban Freight Mobility Plan as well as the C-LIEGE Toolbox for the establishment of a City Logistics Manager (CLM). The project filled the existing gap in know-how and professionalism in the UFT domain by designing, fine tuning and delivering the complimentary capabilities of CLM. For the first time in Europe, the well-known Mobility Manager whose duties are focused on passenger transport only can now be paired with a CLM. The results and success factors achieved in the pilot cities clearly speak in favour of adopting freight transport soft measures in other cities than the ones involved in the C-LIEGE project. An assessment of transferability and relevant frameworks supporting the adoption of urban logistics processes in new settings was defined by the C-LIEGE transferability plan. It is aimed at supporting EU cities in their road maps towards cleaner and sustainable urban freight transportation. The project was funded by Intelligent Energy Europe.
More information under www.c-liege.eu
Advance E-Mobility
Project management
Bermag consults on matters relating to EU funds, particularly Horizon 2020 and Interreg. We develop proposals, build partnerships and provide financial as well as communication management services to approved projects.
Contact
Headquarter in Poland
Bermag Sp.j.
26 Kwietnia 41-47
71-126 Szczecin
Email: office(at)bermag.eu
Tel.: +48 (91) 8812229
Branch offices:
Germany - Berlin
Tel.: +49 (179) 7730457
Austria - Kufstein
Tel.:+43 (688) 60780013
Poland - Gdańsk
Tel.: +48 (508) 433324