We provide mutual guarantee services and financial support to help member enterprises access bank credit and financing.
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.
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.
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.
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.
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.
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.
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.
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.
Our cooperative focuses on enterprises operating in the tertiary sector, reflecting our founding mission and the composition of our membership base.
Shops, retail businesses, and trading enterprises that require financing for inventory, equipment, and operational expenses.
Professional firms and service providers including consulting, legal, accounting, and technical service enterprises.
Hotels, restaurants, travel agencies, and tourism-related businesses that are central to the economy of Tuscany.
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.
Contact our team to learn more about how our guarantee services can support your enterprise's financing needs.
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