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:

  • up to 80% of the amount of the loan; 90% for loans aimed at achieving objectives for the efficiency or diversification of energy production or consumption;
  • 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 increase the efficiency or diversification of energy production or consumption, 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

Garanzia SupportItalia is an instrument, introduced by the Aid Decree, that 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 2022, unless the deadline is extended.

Italian-based companies of all sizes and sectors which have been affected by the consequences of the Russian-Ukrainian crisis, can apply for loans to support:

  • current liquidity needs such as: working capital (payment of suppliers, stock purchases), personnel costs, lease or rental fees for a business unit)
  • 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.

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 or Group’s turnover.

 

The total amount of SupportItalia guaranteed loans obtained by the company or Group may not exceed the greater of the following values:

  • 15% of the average total annual turnover in Italy of the company or Group for the last three years;
  • 50% of the costs incurred for energy sources in Italy by the company or Group, in the twelve months preceding the month of the request for a loan.

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.