Medium and long-term loans for enterprise

Mortgages guaranteed by the Guarantee Fund

Obtain the financial resources to develop your company: simple, just a few clicks! Applying for and obtaining the Guaranteed Mortgage from the Guarantee Fund is now possible through traditional channels, and through a specific platform: send the application, follow approval, receive the loan all online. We support the financial needs of your company resulting from the need for working capital, we sustain your production investments and growth projects. You can manage your folder autonomously in an entirely digital mode, using our support if you need it. Thanks to our accreditation with the Guarantee Fund we offer solutions that can adapt to the specific needs of each sector and company type. Are you looking for a tailored solution or do you want to know whether your company can be financed?
Our loans are for  small and medium-sized companies (SMEs), in particular:
  • Stock companies invoicing minimum €500,000;
  • Partnerships invoicing minimum €1,500,000;
with registered office in Italy and operating in the main production sectors. Medical, manufacturing, agro-food, chemical-pharmaceutical, extraction, logistic or commercial: whatever your sector, our team of experts is available to analyse the specific financial needs of your company and find the solution that best responds to your growth and competition goals. Excluding sectors not permitted by the Guarantee Fund (e.g. financial and insurance services, public administrations).
Today our loans for businesses are even more accessible. Thanks to the measures introduced by the Government, we have further expanded the types of company that can benefit from the Guarantee Fund and have simplified the procedures to access loans thanks to a completely digital Guarantee Fund Guaranteed Mortgage application and decision platform. The Guarantee Fund intervention, applicable to any typ of loan connected to company activities, foresees a public guarantee being issued:
  • Equal to 80% of the loan amount for loans lasting maximum 96 months;
  • For a maximum amount of 5 million Euro per single company.

Solutions for businesses that can be financed by the Guarantee Fund

Loans for investment projects

Facilitated loans for company growth and for your investment projects. We accompany you in your company growth investments to increase the capacity and production efficiency, to develop new products and expand the customer portfolio like:
  • Construction, expansion, restructuring, modernisation of the company’s physical structures;
  • Purchase of plants and/or machinery;
  • Execution of research and technological innovation programs;
  • Development of trademarks, patents, licences.
Duration: up to 8 years, possibly foreseeing a grace period of up to 24 months, consistent with the financial flows of your investment project. Amounts: starting from 50 thousand Euro, to be established based on the investment project, subordinate to the Bank’s appraisal and to the maximum amount guaranteed by the Guarantee Fund.

Company loans for liquidity needs

We provide you with the liquidity needed to pay employees and suppliers, to purchase stock and materials or to rebalance financial sources. This product is designed to support the financial requirements resulting from working capital needs connected to company activities. Duration: up to 6 years, with a possible grace period, consistent with the financial flows of your company. Amounts: starting from 50 thousand Euro, to be established based on the company’s liquidity needs, subordinate to the Bank’s appraisal and to the maximum amount guaranteed by the Guarantee Fund.

Loans Guaranteed by Garanzia SupportItalia

The main objective of the Loans Guaranteed by Garanzia SupportItalia is to support companies and help them source the necessary liquidity​ to face the negative economic effects resulting from the Russian war in Ukraine, the sanctions imposed on the Russian Federation and the Republic of Belarus by the European Union and its international ​partners​​, and any retaliatory measures adopted by the Russia.

Garanzia SupportItalia forms part of a raft of measures introduced by Decree Law no. 50 of 17 May 2022 (the “Aid Decree”), and subsequently amended by Law no. 91 of 15 July 2022, and allows SACE to issue guarantees in favour of banks and financial institutions for loans that help those economic and business activities impacted by the crisis to continue their operations.​

The guarantee must be granted by 31 December 2022, unless the deadline is extended.
This financial solution is intended for Italy-based companies of any size and in all sectors (with the exception of banks and other entities authorised to extend credit) that have been affected by the emergency resulting from the Russian military aggression. These businesses may request loans to support:

    • Working capital;
    • Staff costs;
    • Lease or rental fees for a business unit;
    • Investments (excluding acquisitions of shareholdings)

solely intended for factories and business activities based in Italy.

In order to access the guarantee, the company must be able to report, with appropriate supporting documents, one of the following two circumstances:

  • That the need for liquidity in relation to the loan is directly attributable to the negative economic repercussions of the current crisis, in terms of a decrease in production and/or demand due to one of the following factors:
    • Interruptions to the supply chains of inputs, in particular raw and semi-finished materials, or
    • Price increases for raw and/or semi-finished materials, or
    • Cancellation of contracts with counterparts with registered offices in the Russian Federation, the Republic of Belarus or the Ukrainian Republic;
  • Limitations or interruptions to business activity as a direct and immediate consequence of the increasing costs of electricity and gas resulting from the current crisis, with evidence that the need for liquidity in relation to the loan can be attributed to these limitations or interruptions.
Companies that carry out natural gas storage operations must be able to report, by providing appropriate supporting documents, that the need for liquidity in relation to the loan is directly due to the negative economic impact of the following factors:

  • Price increases for raw materials and/or semi-finished products;
  • Disruption of supply chains.
The coverage percentage of Garanzia SupportItalia varies between 70% and 90% of the loan amount depending on the number of employees and the company’s turnover volume.

The amount of the guaranteed loan cannot exceed the greater of the following values:

  • 15% of the average total annual turnover of the Beneficiary Company in Italy for the last three years (if the company started operations after 31 December 2019, reference is made to the average total annual turnover in Italy of previous years);
  • 50% of the costs incurred for energy sources in Italy in the twelve months preceding the month of the request for a loan.

The average total annual turnover and and the costs for energy sources are to be considered on a consolidated basis if the company belongs to a Group and net of the residual amount of any loans assisted by the SupportItaly Guarantee obtained by the company and the other companies of the group and of any loans assisted by other public guarantees (e.g. Guarantee Fund) – pursuant to Section 2.2 of the Communication of the European Commission of 23 March 2022 – obtained by the company.

The duration of loans to the company cannot exceed 8 years (and in any case cannot exceed the term of 31 December 2030), with the possibility for companies to make use of 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.
(*) 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.

Advertising message 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 Transparency section of the website www.bancaifis.it.  

Special-rate mortgages by Regional Agreements

We are committed to helping our local customers on a daily basis. This is why we provide mortgages supported by national guarantees with loans facilitated by regional initiatives. Currently, companies based in Puglia and Veneto can take advantage of the Puglia Sviluppo and Veneto Sviluppo subsidised mortgages by contacting their local branch to request the details.
Advertising message 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 Transparency section of the website www.bancaifis.it.

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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.