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
Nuova Sabatini
Loan backed by the SACE Guarantees
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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Nuova Sabatini

The non-repayable contribution that can be combined with Loans Guaranteed by the Guarantee Fund to support SME productivity

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Loan backed by the SACE Guarantee

To support investments across various areas of operation, both in the domestic market and in global markets

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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: 50% of the loan amount for liquidity needs; 80% to support investment projects. For companies with headquarters and/or local units in regions where so-called Special Sections are operational, the liquidity coverage also increases to 80%.
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 Nuova 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

Loans with SACE Guarantees

With financing backed by a SACE Guarantee, the Bank can support your company’s growth processes across various areas of operation, both in the domestic market and in global markets.

The Guarantees

For internationalisation

The Guarantee is intended for both SMEs and Mid/Large Corporates in any sector, to support their growth projects in foreign markets and in internationally oriented supply chains, either in support of investments or working capital needs connected to supplies or sub-supplies for foreign counterparties, or within an internationally oriented supply chain. Coverage is up to 80% (70% under the standard process for transactions of up to €5 million and with a duration not exceeding 8 years) and is subject to SACE’s assessment.

Archimede

The Archimede Guarantee is dedicated to Mid/Large Corporates to support transition processes towards a clean and circular economy, strategic infrastructure and production investments in Italy, as well as any related working capital needs. The Guarantee may provide maximum coverage of up to 70%, subject to SACE’s assessment.

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Areas of operation

Internationalisation

Your company can apply for financing backed by the SACE Guarantee for Internationalisation to support:

– Investments abroad, such as the creation of production facilities, strategic acquisitions, or the purchase of machinery, property and equipment.
– Preparation of supplies or production intended for export
– Investments in Italy that support internationalisation projects, such as production expansion, R&D, patents and strategic acquisitions.
– Sub-supplies of goods and/or services connected to foreign supplies/production for an Italian customer.
– Investments or preparation of supplies in Italy within an internationally oriented supply chain.

With regard to investments, both future expenses and those already incurred are considered eligible, provided they were funded with the company’s own resources within the last 24 months, on condition that at least 20% of the financing proceeds are allocated to new eligible investments.

Archimede

The Archimede Guarantee supports — with particular attention to the additionality of the transaction and the positive impacts generated by the financed project — infrastructure and production investments made in Italy in the following areas:

– Infrastructure, including social infrastructure
– Industrial, technological and digital innovation
– Transition processes towards a clean and circular economy, and sustainable mobility
– Climate change adaptation and mitigation of its effects, as well as environmental or climate sustainability and resilience
– Industry
– Local public services.

Both future expenses and those already incurred are considered eligible, provided they were funded with the company’s own resources within the last 24 months, on condition that at least 20% of the financing proceeds are allocated to new eligible investments.

This is a promotional message. For full terms and conditions of loans with SACE Guarantees, please refer to the information sheets available at our branches and in the Transparency section of our website www.bancaifis.it

Other ways we can support you?

myIfis

Through a single digital portal, you monitor your financing, outstanding capital and instalments.

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From words to practice

Our case studies on medium-long term loans

Negri Trasporti e Montaggi

Scandiuzzi Steel Contructions

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 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

Loans with EIB Funding

Medium- to long-term loans with EIB funding are designed to support the development of pharmacies in Italy, with a particular focus on female entrepreneurship and cohesion regions.

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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