CENTROFIDI TERZIARIO S.C.P.A. · Credit Guarantee
Our Activities

What We Do

We provide mutual guarantee services and financial support to help member enterprises access bank credit and financing.

Activity Areas

Guarantee Services for Enterprises

Our activities span several areas of mutual guarantee and financial support, all aimed at facilitating credit access for small and medium-sized enterprises in the tertiary sector.

Bank Loan Guarantees

We provide guarantee commitments to banks and financial institutions on behalf of member enterprises, covering a portion of the financing extended. This reduces the risk for lenders and enables members to obtain loans with lower collateral requirements.

Credit Line Guarantees

For enterprises requiring revolving credit facilities or working capital lines, we issue guarantees that facilitate the approval of credit lines with more favorable terms, supporting day-to-day operations and liquidity management.

Investment Financing

We support member enterprises seeking financing for capital investments, equipment purchases, business expansion, and innovation projects by providing guarantees that improve the creditworthiness of their financing applications.

Mutual Guarantee Fund

Our cooperative maintains a collective guarantee fund contributed to by members. This fund serves as the financial basis for our guarantee commitments, creating shared security that benefits all participating enterprises.

Financial Advisory

We assist member enterprises in preparing financing requests, evaluating credit needs, and structuring loan applications. Our team provides guidance throughout the process of engaging with banks and financial intermediaries.

Public Guarantee Fund Access

We help members access guarantee programs offered by national and European public funds, including the Central Guarantee Fund for SMEs, which can be combined with our own guarantee commitments to maximize coverage.

Financial documents and calculator on a desk representing business planning
How It Works

The Guarantee Process

The process of obtaining a guarantee through our cooperative follows a structured approach designed to assess the financing needs of the member enterprise and determine the appropriate guarantee coverage.

  • Member enterprise submits a guarantee request with supporting financial documentation
  • Our team evaluates the credit profile and financing requirement
  • We assess the guarantee coverage and conditions in line with our risk policies
  • Upon approval, we issue the guarantee commitment to the lending institution
  • The bank processes the financing application with the guarantee in place
Sectors We Support

Enterprise Sectors in the Tertiary Economy

Our cooperative focuses on enterprises operating in the tertiary sector, reflecting our founding mission and the composition of our membership base.

Commerce & Retail

Shops, retail businesses, and trading enterprises that require financing for inventory, equipment, and operational expenses.

Professional Services

Professional firms and service providers including consulting, legal, accounting, and technical service enterprises.

Tourism & Hospitality

Hotels, restaurants, travel agencies, and tourism-related businesses that are central to the economy of Tuscany.

Transport & Logistics

Transportation companies, delivery services, and logistics providers supporting the movement of goods and services.

Important notice: All information provided on this page is for informational purposes only and does not constitute a financial offer, advice, or a commitment to issue a guarantee. Guarantee services are available exclusively to member enterprises of CENTROFIDI TERZIARIO S.C.P.A. and are subject to internal evaluation and regulatory requirements.

Interested in Our Services?

Contact our team to learn more about how our guarantee services can support your enterprise's financing needs.

Contact Us