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Medium and long-term loans

MCC secured loans

Improve your financial structure and grow your business.

We support your financial needs ranging from optimisation of financing sources to supporting working capital, and support of investments in production and growth projects. With accreditation to the Guarantee Fund, we offer solutions capable of adapting to the specific needs of any sector and type of company.

Are you looking for a tailor-made solution or do you want to know immediately if your company can be financed?

Find out more

Our loans are intended for small and medium-sized enterprises (SMEs) and companies with less than 500 employees (Mid Cap) based in Italy and operating in the main production sectors.

Medical, manufacturing, agri-food, construction, mining, logistics, commercial or transport: whatever your sector, our team of experts is at your disposal to analyse your specific financial needs and find the solution that best meets your growth goals and competitiveness.

Sectors not admitted by the Guarantee Fund (e.g. agriculture, financial services and public administrations) are excluded.

Today our loans are even more accessible. Thanks to the measures introduced under the Liquidity Decree, we have further expanded the audience of beneficiary companies with access to the Guarantee Fund andwe have simplified the procedures for access to loans.

The intervention of the Guarantee Fund, applicable to any type of borrowing connected to the business activity, provides for the issue of a State guarantee:

  • Equal to 90% of the loan amount for loans with a maximum duration of 72 months and for certain amount limits, up to 80% in other cases;
  • For a maximum amount of € 5 million per individual company.

Loan options

Loans for business growth and for your investment projects.

For your business growth investments intended for increasing output and production efficiency, development of new products and expansion of the customer portfolio, we support you in the implementation of various types of projects, including:

  • Building, expansion, restructuring and modernisation of business property;
  • Purchase of plant and/or machinery;
  • Execution of research or technological innovation programs;
  • Development of brands, patents and licences.

Duration up to 8 years, with the option of providing a grace period of up to 24 months, in line with the financial flows of your investment project.

Amounts: starting from EUR 50 thousand, to be determined according to the investment project, subject to the Bank’s evaluation and the maximum amount guaranteed by the Guarantee Fund.

Loans supporting liquidity requirements

Designed to support financial requirements arising out of working capital needs connected to your business activity. We provide you with the cash funds necessary for payroll and procurement, for the purchase of stocks and materials or for rebalancing borrowing sources. 

Duration up to 5 years, with the option of providing a grace periods, in line with the financial flows of your investment project.

Amounts: starting from EUR 50 thousand, to be determined according to corporate liquidity requirements, subject to the Bank’s evaluation and the maximum amount guaranteed by the Guarantee Fund.

Looking for information or help?

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Additional products

Creditor Protection Insurance

This is a comprehensive policy option for protecting your loan repayments. Under the CPI policy, you ensure business continuity, while extinguishing the debt without affecting the economic resources of your business.

Promotional message, as well as placement of insurance contracts. Before subscribing, please read the key information set on: www.metlife.it, which may also be obtained from the distribution network. Policy underwritten by MetLife Europe d.a.c. – General Agent for Italy, distributed by Banca Ifis S.p.A.

 

Advertising message for promotion purposes only. For Guarantee Fund State-backed Loan contractual terms and conditions, please consult the key information sheet available at branches and in the Transparency section of the website www.bancaifis.it.