A mutual guarantee institution serving enterprises in the tertiary sector across Tuscany and central Italy.
CENTROFIDI TERZIARIO S.C.P.A. is a mutual guarantee cooperative company (societa cooperativa per azioni) operating as a confidi under Italian and European regulatory frameworks. We are headquartered in Florence and serve member enterprises primarily in the tertiary sector, including commerce, services, tourism, and professional activities.
Our cooperative structure means that the enterprises we serve are also our members and shareholders. This alignment of interests ensures that our guarantee services are designed to meet the real financing needs of the business community we represent.
As a cooperative institution, we operate according to principles of mutual support, transparency, and responsible financial intermediation.
Our cooperative model is built on solidarity among member enterprises. By pooling resources, we create collective financial strength that benefits each individual member.
We maintain clear and transparent processes for guarantee issuance, membership terms, and the evaluation of financing requests submitted by member enterprises.
Our guarantee operations are conducted in compliance with applicable banking and financial regulations, ensuring prudent risk management and sustainable service delivery.
The confidi system in Italy emerged from the cooperative movement, with mutual guarantee institutions established to address the difficulties that small and medium-sized enterprises face in accessing bank credit. CENTROFIDI TERZIARIO S.C.P.A. was founded within this tradition, focusing on enterprises in the tertiary sector.
Over the decades, we have developed relationships with local and national banks, financial intermediaries, and public guarantee funds, enabling us to provide comprehensive guarantee services to our member enterprises.
Today, we continue to operate as a regulated confidi, adapting our services to the evolving needs of the business community while maintaining the cooperative principles that have guided our institution since its establishment.
What We Do
Our governance framework reflects the cooperative nature of our institution and ensures accountability to our member enterprises.
Member enterprises participate in the cooperative's assembly, exercising voting rights on key strategic decisions, statutory changes, and the appointment of governing bodies.
The board is responsible for the strategic direction and operational management of the cooperative, ensuring that guarantee services align with member needs and regulatory requirements.
Independent auditing ensures financial transparency and compliance with applicable regulations, providing members and supervisory authorities with assurance regarding our operations.
As a registered confidi, we operate under the oversight of the Bank of Italy and adhere to the prudential requirements established for mutual guarantee institutions.
Explore our services or reach out to our team for more information about membership and guarantee solutions.
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