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BFA is an initiative promoted by the Xunta de Galicia (Galician Government) through the Axencia Galega de Innovación (Galician Innovation Agency) (GAIN), the Instituto Galego de Promoción Económica (Galician Institute for Economic Development) (IGAPE) and the Sociedad Gestora de Entidades de Inversión de Tipo Cerrado (Collective Investment Undertakings of the Closed-End Type) (XESGALICIA); the Consorcio de la Zona Franca de Vigo (Free Trade Zone Consortium of Vigo) (CZFV) and Vigo Activo Sociedad de Capital Riesgo, SA SME (VIGO ACTIVO), the Fundación Cluster de Empresas de Automoción de Galicia (Galician Automotive Companies Cluster Foundation) (CEAGA), and the Groupe PSA (PSA Group). Its objective is the acceleration and consolidation of specialised projects in the automotive industry and their transformation into viable and scalable innovative companies that attract and retain talent; thereby contributing to strengthening the sector's position and increasing its international projection.
In order to become a reference in the promotion of open and disruptive innovation in the automotive industry, BFA is deployed along three strategic axes, focused on the promotion of entrepreneurial culture, development of an open innovation ecosystem, and the promotion of the business fabric. And to that end, it has the leadership of the industry and the support of the agents needed to consolidate an innovation ecosystem within the Galician automotive sector.
The terms outlined herein are intended to explain the features of the programme, the terms and conditions for submitting projects to the call and, finally, the legal aspects that govern the relationship between the participants and the BFA.
The section on "Characteristics of the BFA" presents the initiative and its differentiating aspects, which include the industry's leadership and the support to the entire project cycle, the resources placed at the disposal of projects and the financing terms.
The next section on "Terms and conditions" highlights aspects that are important for participation in BFA projects, such as eligibility criteria or project evaluation, and the project requirements during the acceleration and consolidation stages.
The section on "Legal aspects" covers aspects such as responsibilities, intellectual property and the protection of personal data of participants in the programme.
And lastly, the "Annexes" list the documentation that must be submitted at the time of application and for providing proof of financing from the different entities; GAIN, XESGALICIA and VIGOACTIVO. Moreover, the last Annex contains the subjects of special interest that have been defined by and for the automotive industry.
This section highlights: the characteristics of the Business Factory Auto that differentiate it from other similar initiatives, the resources that will be placed at the disposal of the participants, the stages in which the programme is structured, the schedule for this 4th edition, and the financing terms.
Business Factory Auto is a vertical accelerator focused on the automotive sector that confers significant benefits to participating projects by providing expert mentors and tutors from the sector, as well as a specialised network of contacts. Moreover, it shares the acceleration and/or consolidation process with other projects from the same sector, with the consequent generation of synergies.
The project led by CEAGA and the PSA Group, has the backing of the Xunta de Galicia, CZFV and the component manufacturers in the Galician automotive sector.
The training programme, organised by the Universidad Corporativa de CEAGA (UCC) (Corporate University of CEAGA) has received different high-profile international recognitions and it is taught by a panel of teachers comprised of professionals working in the Galician Automotive Sector.
BFA is supported by all actors from the open innovation system: technological centres, clusters, universities, etc.
Development of a community in which entrepreneurial initiatives find an enabling and supportive space.
Provided through the appropriate instruments for training, acceleration and investment, as well as a consolidation stage that will enable sustainable development of the enterprises.
Capacity to attract talent globally by providing a training and support programme for the teams.
The participating projects can be housed at the facility that Zona Franca de Vigo has placed at the disposal of the BFA. This co-working space favours the creation of a suitable environment for proper implementation of the project. There are also individual meetings rooms available to all projects for individual meetings.
The Business Factory Auto programme provides training sessions for project members to imbibe knowledge on everything related to the automotive sector. Training will be provided by independent experts with proven experience in the automotive sector, who will guide your team and project to obtain the desired results.
Each project will have a tutor from the automotive sector, through whom BFA's dialogue and assistance will be channelled.
The sharing of BFA co-working space with other entrepreneurs, independent tutors and trainers helps to create a vibrant context for knowledge exchange and joint collaborations. BFA organises events and meetings so that you meet professionals that can greatly contribute to your project.
BFA offers very attractive financing for projects.
Business Factory Auto is the gateway to the automotive industry. Participation in the programme could help your company/project to develop and get greater visibility, and reach the sector's OEMs and TIER suppliers. BFA is a tool that enables your project to stay in touch with other projects from the Galician automotive sector.
The initiative consists of four main stages, as follows:
Opening of the registration period for projects on BFA's website (www.bfauto.es). A registration form must be filled-in on the website to register a project, and all team members must be registered as users. Kindly contact CEAGA in case you have questions about the process, by:
Telephone: +34 986 213 790
BFA mobile telephones: +34 628 451 351 / + 34 682 002 764
The call for projects stage envisages the attraction of projects for participation in the acceleration and consolidation stages.
All projects that comply with the terms and conditions laid down herein will be taken into consideration. Only information provided in the web page (form) will be taken into account for selection. Applicants will be selected during the evaluation stage and then interviewed personally. After the interview, a decision will be taken on which projects pass on to the acceleration (up to a maximum of 10) and consolidation stages (up to a maximum of 10).
The evaluations and interviews will be conducted by the Executive Committee of the programme based on two fundamental pillars: the project and the team. This Committee will be comprised of personnel appointed by the sponsoring entities: CEAGA, CZFV, GAIN, IGAPE, the PSA Group, VIGO ACTIVO and XESGALICIA. They may request reports from third parties and independent experts on the subject matter of the project under evaluation.
The selected projects will receive:
The selected projects that accept the invitation and fulfil the conditions for participation in the programme may be admitted into the acceleration stage. Over the 9-month duration, the planned activities will focus on the development and validation of the product or service, definition of the business model, achievement of first sales, and development of the skills and abilities of the team, among others.
Milestones will be established in parallel, for each project and these will be linked to the receipt of the financing granted.
Just like in the acceleration stage, the selected projects must accept the invitation and fulfil the conditions for participation in the programme, in order to enter the consolidation stage. This stage lasts for up to 12 months during which training, mentoring and networking will be provided to the participating companies so that they are able to establish themselves in the market and generate sales/recurring revenues.
The application period starts after publication of the call on BFA's website and lasts for a duration of up to 3 months. Only applications received within the deadline and through the BFA's website will be evaluated for the programme.
Project evaluation and selection will start after expiry of application deadline and will take place over a maximum period of 2 months.
Prior to starting the acceleration stage, there will be a period of approximately 1 month for submitting documents, signing contracts and other prior formalities (relocation of the company and of the team, etc.). This will be 15 days in the case of projects for the consolidation stage.
Projects that have been selected for the acceleration stage and the consolidation stage will begin their corresponding programmes after the above process has been completed.
Final deadlines and dates will be published on BFA's website.
The financing proposed by the organisation will be through a combination of the following modes:
Amount: up to €50,000.
Maximum term: up to 7 years.
Grace period for repayment of principal: up to 2 years.
Interest rate: Fixed (quarterly Euribor + 4%) + Variable (to be determined).
Eligible for capitalisation.
Amount: up to €250,000.
Maximum term: up to 7 years.
Grace period for repayment of principal: up to 2 years.
Interest rate: Fixed (quarterly Euribor + 4%) + Variable (to be determined).
In order to be eligible for this funding, the company must be incorporated, have its main centre of activity and its registered and fiscal address in Galicia, and fulfil the conditions and requirements established by Xesgalicia.
Project should also meet the conditions and requirements established by Xesgalicia and provide the documentation detailed in Annex III of these Terms.
Projects financed by Xesgalicia require a subsequent follow-up and submission of periodic financial or other information as appropriate.
Funding provided in this programme is compatible with grants from other national or international public administrations, agencies or public or private entities and, in no case, can either on its own or jointly with other grants, aids, income or resources, exceed the cost of the activity financed or ceilings established for public funding.
As a general rule, projects previously funded by Xesgalicia will not be funded again. In any case, if the project received funding for a previous stage of any similar acceleration/consolidation programme, then in such a case, funding would have to be approved by the Investment Committee and the Board of Directors of Xesgalicia.
In case of drop out from programme, non-compliance with the acceleration /consolidation programme or an unfavourable project implementation report from the tutor/mentor presented to Xesgalicia and/or Vigo Activo, then Xesgalicia and/or Vigo Activo shall be entitled to stop any pending disbursements and terminate the loan agreement if the inference from such report is negative for project implementation, in accordance with the terms that served as the basis for granting the present funding.
This section first lists the eligibility criteria for projects, that is, the requirements that projects must meet in order to be considered eligible, and hence evaluated. It then explains the evaluation criteria, which determine the aspects that the Executive Committee will take into account when evaluating projects. This is followed by the minimum requirements, that is, the basic conditions projects need to fulfil, in order to participate in the BFA. Outlined below are the general commitments and the requirements that projects must fulfil during the acceleration and consolidation stages. And lastly, attention is drawn to the incompatibilities that certain entities may have which would make them ineligible to apply for BFA funding.
This initiative of a vertical nature is centred on the automotive sector, and hence the programme is directed exclusively to projects related to this sector. The main themes defined, to which projects must adhere to are: product, production and logistics processes, business processes, equipment, and other devices related with people. Annex IV provides more information on the themes.
The programme is not only directed to start-ups, but also to spin-outs and spin-offs. Each of the categories are defined hereunder:
The participating projects can opt for the acceleration stage or the consolidation stage based on their degree of development.
Applications received will be mainly evaluated based on the team and the project. Seed projects that opt for the acceleration stage will have a weighting of 60% and 40% for team and project respectively, while early-stage projects that opt for the consolidation stage will have a weighting of 40% team and 60% project. In particular, the following aspects will be taken into account:
The trajectory and adequacy of the team for the submitted project will be evaluated. This section will particularly look into:
In the case of spin-outs/spin-offs, the commitment of the company/ies and/or university/technology centre to the project and the team must be assured.
The general commitments of the projects are as follows:
The following parties will be ineligible to submit projects:
Given that information will be exchanged during the different stages of the programme, it is important to clarify the use of the same and any ensuing responsibilities.
Participation in the call implies the acceptance of these terms without reservations or conditions, as well as of any decisions that may arise.
If during programme implementation, it is detected that a member of a participating team does not fulfil the commitments acquired in the sworn affidavit, then in such a case, the Executive Committee reserves the right to demand compliance, and in case of non-rectification, proceed to the exclusion of the applicant.
Therefore, projects will be subject to continuous evaluation throughout all stages of the programme, and hence, any party that does not comply with the requirements, obligations and milestones established may be excluded from the same after a prior reasoned report from the Executive Committee of the programme and such party will consequently lose the benefits derived from the same.
Furthermore, BFA reserves the right to cancel, modify or discontinue any aspect or criterion of the call and selection process.
The commitment arising from acceptance of these terms will come into effect from the date of acceptance and will remain in force for five years after the deadline of the call for proposals in which the project was selected.
Applicants will be responsible for all damages, direct or indirect, that are caused or may be caused due to default of these terms, and will exonerate programme managers from all responsibility in this regard, without any exception.
Applicants will likewise be responsible for any infringement of third party rights during their participation in this programme and shall compensate such affected third parties and, where appropriate, indemnify programme managers for any damage or injury caused and whether claimed in court or out of court. Such indemnity shall expressly include the fees of professionals participating in the proceedings that arise due to default of the obligations described herein.
Ownership (if possible) of the intellectual property rights of the idea/project submitted, or having the appropriate permission for use are the minimum requirement set out in the terms and conditions.
All applicants shall guarantee that the content of their presentation is their original creation and does not violate any right, including intellectual property rights of third parties, and moreover, that the content is not illegal, nor was it created by breaching contractual obligation with a third party.
Information provided by applicants must be correct, true and complete, and applicants will assume full responsibility for any inaccuracies. Otherwise, BFA shall have the right, without prejudice to enforce any other legal means, to withdraw, refuse or cancel the rights granted to the applicant in these Terms.
The participants expressly authorise program managers to use their trade name and image in promotional materials relating to this call, without any consideration in return. By submitting the application, the applicant accepts that the application document was submitted on a voluntary basis.
The applicant accepts that programme managers shall decide on aspects related to the call, as well as on the final selection of projects under the programme. Applicants furthermore acknowledge that even though their project is selected, the program managers are not obliged to fully implement the programme.
Participants consent to the use of basic information about the project during the evaluation processes referred to in the terms herein.
Furthermore, acceptance of these terms authorises sponsor entities to use the logo, project name and any other type of audio-visual means developed or recorded during the course of the programme, in all dissemination and communication activities that they consider fit, irrespective of the means or format used.
BFA shall keep confidential the contents of all ideas and projects submitted to this call and all data and information of any kind provided by the applicant, and furthermore undertakes not to use them for purposes other than those concerning this document.
All notifications relating to programme implementation will be published on BFA's website (www.bfauto.es) and will be available for consultation at CEAGA's office in Vigo. Any other individual notification will be communicated by email or telephone to the applicant at the email or telephone number provided at the time of project registration on the website, or others subsequently provided by the main applicant of the project for this purpose.
In accordance with the Regulations on Personal Data Protection, it is reported that the data provided by the participants through the enrolment of their projects will be treated by the Promoters of the Program as stewards, whose identities can be consulted in the Point One "Introduction" of this document. In this way, it is reported that, under the provisions of Article 26 of Regulation (EU) 20167/679 on Data Protection, the promoters of the program have signed a co-responsibility agreement, where the obligations of each of the parties have been defined. in relation to compliance with data protection obligations.
So, it is appropriate to indicate that CEAGA is responsible for compliance with the information and consent duty, hence, the named entity always reports on behalf of the rest of the promoters in the terms indicated below.
The collected data as a consequence of this BFA Program will be treated in order to evaluate and assess the projects presented, to manage participation in the Program and to disseminate and publicly promote it. On the other hand, in order to achieve the goal of promoting and disseminating the Program, it is planned the realization and taking of images during the different acts that will take place during the term of the Program, so that they will be published. , as well as the data related to the different projects presented. This publication will be carried out through the different means of communication owned by the promoters of the Program, that is, websites, social networks and / or magazines or newspapers in paper or digital.
Personal information will not be collected, used or disclosed for purposes other than those described above, unless the participants give their consent or if there is any legal obligation to do so.
If through the participation in the Program, personal data are related to third parties other than the one presented by the project is provided, the participant undertakes previously to communicating the data to inform the holders of the data of the extremes included in this clause, abstaining from including them in case of not obtaining their consent in this regard.
No cessions or communications of data are foreseen except for those that are required for the processing of the partition in the Program, as it may be to insurers, financial or banking entities or public administrations. In this way, it is advisable to influence the public nature that will be given to the participations in order to disseminate and promote the Program.
The data that are processed will be kept throughout the duration of the Program, as well as, as long as they are necessary to disseminate the activities and programs, regardless of the statutorily established limitation periods and while the statute of limitations for the exercise of the actions lasts. corresponding. On the other hand, it is reported that participants can exercise the access rights, rectification, cancellation and opposition provided for in the Law, by going, through any means that allows to prove the sending and receiving to CEAGA at the following address: Avda. Citroën , 3 and 5, Edificio Zona Franca 1ª Planta, 36210 Vigo, or through email firstname.lastname@example.org. However, as indicated, the cancellation of data or opposition to the aforementioned purposes of treatment will be understood as a waiver of participation in the program.
For more information you can take a look on www.bfauto.es
In proof of compliance, just with the presentation or participation in the Program implies the acceptance of the terms contained in this document and especially in this clause of data protection.
The Executive Committee and the participants in the programme agree to abide by Spanish law for the interpretation and enforcement of these terms.
Any dispute arising from the interpretation or execution of the present document will be resolved directly by the parties and they undertake in good faith, to put their best efforts to seek a mutually agreed solution to their disputes, in response to the joint intention expressed herein, within a maximum period of fifteen (15) working days effective from the date on which either party provided written notice to the other party in respect of any claim. The lack of response by the other party shall not affect the period mentioned above.
Any dispute, controversy or claim arising from this document or its interpretation that cannot be resolved in accordance with the provisions of the preceding paragraph, and any controversy or claim arising from default, termination or invalidity, shall be settled through arbitration. Such arbitration will be conducted in the city of Vigo. The arbitration award shall be final and not subject to appeal, and the parties renounce to any available remedy against the same.
BFA does not guarantee the functioning and continuity of the web platform operations or services hosted therein, since there may be interruptions or snags during operations. BFA does not assume any liability for any damage or loss suffered by the complainant due to non-functioning or inability to use information or services provided through the platform. It will likewise not be liable for any damage or loss caused by interference, omissions, interruptions, computer viruses or disconnections in the portal and the services, including when arising due to causes beyond the control of BFA.
Applicants shall not use the platform to send content that violates the law or is morally unacceptable or any other harmful content that is abusive, disrespectful, defamatory, vulgar, obscene, racist or damaging in any other manner; or perform any unlawful or fraudulent act; or send any type of documentation or material that is unrelated to the purposes of the call or BFA as a whole. BFA reserves the right to remove any content that violates these terms.
Participants in the programme assume the obligation to provide, over the duration provided for in the last paragraph of section "Acceptance of the terms", any additional documentation that may be required by programme managers for compliance with the information obligations that arise from rules currently in force or which enter into force during the duration of the programme. Failure to comply with the provision of this information within the established period may result in cancellation and/or termination of the programme for the offenders.
RULES ON THE CONDITIONS FOR SUBSIDIES GRANTED BY THE AXENCIA GALEGA DE INNOVACIÓN TO PROJECTS SELECTED FOR ENTRY INTO THE ACCELERATION STAGE
The collaboration agreement signed between the Instituto Galego de Promoción Económica (IGAPE), Axencia Galega de Innovación (GAIN), Xesgalicia, Sociedad Gestora de Entidades de Inversión de Tipo Cerrado, S.A.U (XESGALICIA), Fundación Cluster de Empresas de Automoción de Galicia (CEAGA), Peugeot Citroën Automóviles España S.A, Consorcio da Zona Franca de Vigo (CONSORCIO), Vigoactivo Sociedad de Capital Riesgo de Régimen Simplificado, S.A. (VIGOACTIVO), to set up an entrepreneurship centre in the Galician automotive industry (Business Factory Auto - BFA) foresees the granting by GAIN of aid to projects selected for entry into the acceleration stage.
Incorporated enterprises that comply with the requirements referred to in paragraphs 2 and 3 of Article 8 of Law 9/2007, of 13 June 2007, on subsidies in Galicia, may be considered as beneficiaries.
GAIN will provide a maximum total grant amount of € 250,000 per call, for distribution between the 10 projects selected for entry into the acceleration stage.
As an example, the following shall be considered as eligible expenses:
If the sum of eligible expenditure exceeds the amounts established for small contracts in the consolidated text of the Public Sector Contracts Law, approved by Royal Legislative Decree 3/2011, of 14 November 2011; the beneficiary must obtain at least 3 bids from different suppliers prior to hiring service, except when due to its special characteristics, there are not enough entities in the market, or if the expenditure is incurred prior to grant application.
The Xunta de Galicia will finance such aid via the legal mechanisms provided, and the selected parties shall comply with the rules for beneficiaries.
Without prejudice to the other obligations set forth in Article 11 of Law 9/2007 of 13 June 2007, on subsidies in Galicia, all aid beneficiaries are obliged to:
In accordance with Article 31.6 of Law 9/2007, of 13 June 2007, on subsidies in Galicia, and in Articles 62 and 63 on the rules of implementation of the aforementioned Law; advance payments may be provided (that is delivery of funds prior to justification) as funding needed to carry out the actions inherent to the grant, when it essential to implement the projects selected for entry into the acceleration stage, as follows:
For this 4th edition, the individual agreements with GAIN will be signed at the beginning of 2020, and therefore, expenses can only be charged from the date of such signature.
Article 65 of Decree 11/2009, of 8 January 2009, approving the rules of procedure related to the Law on Subsidies, establishes that the beneficiaries and collaborators are obliged to provide guarantees, among others, in cases where there is a possibility of making advance payments.
This agreement establishes advance payment of up to 80% of the amount intended for financing the projects, and for a maximum of 10 projects that are selected for entry into the acceleration stage.
Given that the purpose of such advance payment is to support the various projects and facilitate their formalisation or incorporation in companies and to reduce the economic burden borne by new companies, both at the time of incorporation and during initiation of activity, the provision of the legal guarantee foreseen is waived, in accordance with the provision contained in Article 67 on the rules of procedure related to the Law on Subsidies, which authorises the Management Board of the Xunta to waive the provision of guarantees.
Modification of any actions to be carried out, that alters the conditions taken into account at the time of granting authorisation, may give rise to the modification of the subsidy granted. In any case, the said modification shall only be made after a favourable report is obtained from the Executive Committee.
The procedure for the approval of modification of actions will begin with a request for modification sent by the applicant, indicating the scope of the proposed modification, in a way that clarifies the actions that will be modified and the manner in which project will be implemented. The request must be sent to the registry of the Axencia Galega de Innovación at: Rua Airas Nunes s/n - Conxo. CP 15702 Santiago de Compostela.
After receiving the request, GAIN will proceed towards obtaining the corresponding favourable report or the OK from the Executive Committee.
GAIN will then approve the proposed change, after undertaking the proceedings mentioned above. The modification will then be formalised into the corresponding document or addendum.
Funding provided in this programme is compatible with aid from other national or international public administrations, agencies and public or private entities, and in no case, can either on its own or jointly with other grants, aids, income or resources, exceed the cost of the activity financed.
However, as indicated hereinabove, entities whose projects were subsidised and/or financed by GAIN and/or XESGALICIA under any other acceleration or financing programme, shall be ineligible for economic aid provided for in this call.
These grants will be subject to the provisions of Law 9/2007, of 13 June 2007, on subsidies in Galicia; and to Decree 11/2009, of 8 January 2009, approving its rules of procedure. They will also be subject to the basic provisions of Law 38/2003 of 17 November 2003, on general subsidies and its implementing regulation, approved by Royal Decree 887/2006, of 21 July 2006.
In case of non-compliance with the conditions laid down for granting aid as per the terms provided for in Title II of Law 9/2007, of 13 June 2007, on subsidies in Galicia, all funds received shall be repaid in part or full.
Likewise, a total or partial refund is foreseen, in case of non-compliance and/or improper use of the acceleration by any of the 10 projects selected in the final stage, which should be reflected in a sufficiently reasoned report.
They will also be subject to the provisions laid down in Regulation (EU) No 1407/2013 of 18 December 2013, on the application of Articles 107 and 108 of the Treaty on the Functioning of the European Union to de minimis aid (OJEU L352/1, of 24 December 2013).
The request shall be sent to the registry of the Axencia Galega de Innovación at: Rua Airas Nunes s/n - Conxo. CP 15702 Santiago de Compostela.
Along with the supporting documents listed in the Annex herein, the beneficiary shall submit a statement of all aid received by the company under the de minimis concept, for the two previous fiscal years and for the current fiscal year.
Supplementary declaration on all aid requested for the same project, whether approved or granted, including if awaiting a decision from the competent Public Administrations or its related or dependent entities, as well as from private entities.
The beneficiary must submit the following documents:
The request for payment must be submitted together with the accompanying documents within the established deadlines, which shall be conditioned to the dates of each call and shall be communicated to participants at the beginning of the acceleration stage.
At the end of the different stages of the programme, the beneficiary shall submit the following documents for payment of the amount provided for in the third clause, concerning the financing of activities related to the implementation of the projects selected for entry into the acceleration stage:
The documents required shall be submitted within the deadlines established by GAIN.
In relation to the possibility of subcontracting, beneficiaries must submit an express statement declaring that the persons or entities contracted and/or subcontracted for the subsidised activities are not related undertakings, in accordance with Article 27.7 of Law 9/2007, of 13 June 2007, on subsidies in Galicia and its Rules of Procedure.
DOCUMENTS TO BE SUBMITTED TO VIGOACTIVO FOR FUNDING EACH OF THE PROJECTS IN THE ACCELERATION STAGE
The name of Vigo Activo shall not be used to obtain other possible financing for the project, unless expressly authorised by Vigo Activo, which shall be exempt from any consequences arising due to non-funding of the project, whatever be the cause.
DOCUMENTS TO BE SUBMITTED TO XESGALICIA FOR FUNDING EACH OF THE PROJECTS IN THE CONSOLIDATION STAGE
Any document or information needed for proper understanding and knowledge of the business plan, or the economic and legal situation of the company.
The documents related to the business plan should be submitted in Galician or Spanish, the amounts must be in Euro and they must be signed by the legal representative of the company.
The financial and legal documents, if not in Galician or Spanish, must be translated by a sworn translator.
The name of XESGALICIA shall not be used to obtain other possible financing for the project, unless expressly authorised by XESGALICIA, which shall be exempt from any consequences arising due to non-funding of the project, whatever be the cause.
SUBJECTS OF SPECIAL INTEREST
The following have been defined as subjects of special interest for this Business Factory Auto fourth call: