Medium and long-term loans

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 your financial requirements 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 intended for small and medium-sized enterprises (SMEs) and Mid Caps that do not exceed 249 employees, 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, building, extraction, logistic or commercial: whatever your sector, our team of experts is available to analyse your specific financial needs 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 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 90% of the loan amount for loans lasting maximum 72 months and for certain amount limits, 80% in the other cases;
  • For a maximum of 5 million Euro per single company.

Solutions that can be financed by the Guarantee Fund

Loans for investment projects

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.

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 5 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.

Looking for information or help?

Contact us

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:, 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