Our medium-long term loans for the growth of your company

Flexible and complete tools for every type of need.

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In a nutshell
Loan Guaranteed by the Guarantee Fund
Loan Guaranteed by SupportItalia
Loan Facilitated by Regional Agreements
About us

Our solutions for loans

We offer you comprehensive solutions that consider the needs of your company

Loan Guaranteed by the Guarantee Fund

To have resources available for your investment projects or liquidity needs

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Loan Guaranteed by Garanzia SupportItalia

To support companies that have suffered the negative economic effects of the Russian-Ukrainian crisis

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Loan Facilitated by Regional Agreements

To offer you direct help on a local level

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The Loan Guaranteed by the Guarantee Fund

You can apply for it both through traditional channels and online: it’s easy to do and we’re always here to help. It only takes a few clicks. We at Banca Ifis support the financial needs of your company for working capital, to sustain your production investments and growth projects. Thanks to the Guarantee Fund, we can offer different solutions that can be adapted to the needs of each sector and type of company

Recipients

Small and medium-sized enterprises based in Italy

Stock companies invoicing minimum €500,000

Partnerships invoicing minimum €1,500,000

All sectors apart from those not permitted by the Guarantee Fund (e.g. financial and insurance services, public administrations)

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The Loan Guaranteed by the Guarantee Fund

You can apply for this loan easily and manage it online in complete autonomy. It just takes a click. We at Banca Ifis support the financial needs of your company resulting from the need for working capital, we sustain your production investments and growth projects. Thanks to the Guarantee Fund, we can offer different solutions that can be adapted to the needs of each sector and type of company

Features

Our loans are now easier to apply for than ever before thanks to new simplified procedures and the development of a digital platform for the application and processing of loans

The intervention of the Guarantee Fund, applicable to any type of loan related to business activity, provides for the issuance of a public guarantee: up to 80% of the amount of the loan or 90% for loans intended for the achievement of objectives of efficiency or diversification of energy production or consumption, as well as for loans for companies located in areas affected by flood events. For a maximum amount of 5 million Euro per single company

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Financing solutions for companies assisted by the Guarantee Fund

Loans for investment projects

We will assist you in your investments, development of new products and extension of your customer portfolio to help you grow your business. Acquiring plants or machinery, developing trademarks and obtaining patents are just some of the things that this solution encompasses. With a minimum amount of 50 thousand euros, the loan has a duration of up to 8 years and includes a grace period of up to 24 months

Investments backed by the New Sabatini Law

The Ministry for Enterprise and Made in Italy pays a non-repayable grant directly to your company to be combined with the Guaranteed Loan from the Guarantee Fund or other bank loan. The Nuova Sabatini aims to facilitate access to credit for SMEs and increase the competitiveness of the country’s production system. It is dedicated to investments in new and functional capital goods for the production cycle, whether ordinary (e.g. machinery, new factory plants for productive use and hardware, as well as software and digital technologies), 4.0 (e.g. computerised, interconnected and intangible capital goods with high innovative content such as software, systems, platforms and applications) or green (e.g. new factory plants and equipment for productive use, with low environmental impact, as part of programmes aimed at improving the eco-sustainability of products and production processes).

The annual interest rate used to calculate the contribution is: 2.75% for ordinary investments and 3.575% for 4.0 investments and green investments.

The minimum amount of the loan is 50 thousand euros and the maximum limit is 4 million euros per company, and the loan has a duration of up to 60 months from the date of stipulation, including a grace period, where applicable, of up to 12 months

Loans for liquidity needs

We support your company’s financial needs arising from working capital requirements. We provide you with liquidity to buy stocks and materials, pay employees and rebalance your company’s financial sources. With a minimum amount of 50 thousand euros, the loan has a duration of up to 6 years and a grace period can be arranged

Advertisement for promotional purposes. For the contractual and economic conditions of the Loans Guaranteed by the Guarantee Fund and Loans backed by the New Sabatini Law, please refer to the information sheets available in the branches and in the Transparency section of the website www.bancaifis.it/en

The Loan Guaranteed by Garanzia SupportItalia

Garanzia SupportItalia, introduced by the Aid Decree, allows SACE to issue guarantees for banks and financial institutions for loans to companies based in Italy, with the aim of helping them to find the liquidity necessary to face the negative economic effects deriving from Russia’s aggression against Ukraine. The guarantee must be granted by 31 December 2023, unless the deadline is extended

Recipients

Italian companies of all sizes and sectors affected by the Russian-Ukrainian crisis

To support

Investment projects such as: construction, expansion, restructuring, modernisation of the company’s physical structures of the company; purchase of plants and/or machinery; execution of research and technological innovation programmes; development of trademarks, patents, licenses

Current liquidity needs such as: working capital (payment of suppliers, purchase of stocks), personnel costs, lease or rental fees for the business unit, liquidity needs related to the obligations to provide collateral for trading activities on the energy market

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The Loan Guaranteed by Garanzia SupportItalia

Garanzia SupportItalia, introduced by the Aid Decree, allows SACE to issue guarantees for banks and financial institutions for loans to companies based in Italy, with the aim of helping them to find the liquidity necessary to face the negative economic effects deriving from Russia’s aggression against Ukraine. The guarantee must be granted by 31 December 2023, unless the deadline is extended

Features

Garanzia SupportItalia covers 70% to 90% of the amount of the loan based on the number of employees and turnover.

The amount of the loan may not exceed the greater of 15% of the average annual turnover of the last 3 years of the company or the Group or 50% of the costs incurred for energy sources in the last 12 months

The loan has a duration of up to 8 years (and in any case may not exceed the deadline of 31 December 2031) and includes a grace period of up to 36 months

Garanzia SupportItalia is for valuable consideration*, with the payment of advance annual commissions, calculated on the residual guaranteed amount at the end of each calendar quarter, to a reduced extent for SMEs

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(*) Guarantee fees for loans lasting up to 6 years. For SMEs: 25 basis points for the first year, 50 basis points for the second and third year, 100 basis points for the last 3 years; for other companies (Mid Cap and large companies): 50 basis points for the first year, 100 basis points for the second and third year, 200 basis points for the last 3 years.

Guarantee fees for loans lasting longer than 6 years and up to 8 years. For SMEs: 75 basis points for the first year, 100 basis points for the second and third years, 150 basis points for the sixth year; 250 basis points for the seventh and eighth years; for other companies (Mid Cap and large companies): 100 basis points for the first year, 150 basis points for the second and third years, 250 basis points for the sixth year; 350 basis points for the seventh and eighth years

Advertisement for promotional purposes. For the contractual and economic conditions of the Mortgages backed by the SACE Guarantee, please refer to the information sheets available in the branches and in the Transparency section of the website www.bancaifis.it/en

Would you like more information on the measures of Garanzia Supportitalia?

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The Loan Facilitated by Regional Agreements

We offer your company direct help daily on a local level. We at Banca Ifis provide loans supported by national guarantees with loans facilitated by regional initiatives. Puglia Sviluppo and Veneto Sviluppo subsidised loans are available for companies based in Puglia and Veneto. Please enquire in your branch for further information

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Advertisement for promotional purposes. For the contractual and economic conditions of the Mortgages Guaranteed by Puglia Sviluppo and Fondo Veneto Sviluppo, please refer to the information sheets available in the branches and in the Transparency section of the website www.bancaifis.it/en

From words to practice

Our case studies on medium-long term loans

Negri Trasporti e Montaggi

Simec

And to offer you even more

Creditor Protection Insurance

It is the complete insurance solution to protect repayment of your loan. With the CPI policy you can ensure business continuity, paying off the debt without this affecting the economic resources of your business

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Loans with EIB funding

The Guaranteed Loan with EIB funding is a medium-long term loan to help all those SMEs that need capital to support their development projects and/or liquidity needs

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Loans with CDP funding

The Guaranteed Loan with Cassa Depositi e Prestiti funding is a medium-long term loan to help all those SMEs that need capital to support their development projects and/or liquidity needs. CDP funding can also be associated with loans guaranteed by the Guarantee Fund

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Advertisement for promotional purposes. For the contractual terms and conditions of guaranteed loans with BEI and CDP funding, please refer to the information sheets available at our branches and in the Transparency section of the website at www.bancaifis.it/en