Credit guarantees and liquidity for small and medium businesses
Finanziaria Promozione Terziario S.C.P.A. helps Italian SMEs secure the financing they need to operate, invest, and grow — through credit guarantees, liquidity facilities, and business development support designed for the real economy.
A guarantee turns a difficult yes into a straightforward one.
Many SMEs are creditworthy but lack the collateral banks require. A credit guarantee bridges that gap — it assures the lender, reduces the cost of credit, and gives the business access to financing on terms it couldn't reach alone. That means working capital stays available, investment plans move forward, and good companies don't stall for lack of a signature.
Activity areas
From credit guarantees that unlock bank financing to liquidity facilities that keep operations running, we work with Italian SMEs across every sector of the real economy.
SME credit guarantees
The core of what we do. We provide guarantees that cover a portion of a bank loan, enabling SMEs to access financing they might not secure on their own — often at better rates and with less collateral required. The business gets the capital; the bank gets the assurance; we carry the risk together.
- Unlocks financing without full collateral
- Reduces the cost of credit
- Works with your existing bank relationship
Liquidity & working capital
Cash flow gaps can stall a healthy business — late client payments, seasonal dips, or an unexpected expense. Our liquidity facilities help SMEs bridge those gaps with short-term financing backed by guarantees, so operations continue without disruption and suppliers stay paid on time.
- Bridge seasonal and payment-cycle gaps
- Keep suppliers paid and operations running
- Short-term structures with clear timelines
Business development financing
Growth needs capital — a new location, a product line, a digital transformation, or hiring skilled staff. We help SMEs finance development plans with guarantee-backed structures that make investment achievable today rather than someday, spreading the cost across the period the investment generates returns.
- Expansion, innovation, and digital projects
- Terms matched to the investment timeline
- Supports competitiveness and job creation
Retail & commerce support
Shops, restaurants, and local commerce are the fabric of Italian towns and cities. We support these businesses with guarantee-backed financing for inventory, equipment, renovations, and digital integration — helping them stay competitive against larger players and online competition.
- Inventory, equipment, and fit-out financing
- Digital and e-commerce integration
- Tailored for small and micro enterprises
Artisan & micro-enterprise financing
Italy's artisan tradition is world-renowned but often underserved by mainstream finance. We work with individual artisans, family workshops, and micro-enterprises to provide guarantee-backed financing for tools, materials, and workshop upgrades — preserving skills and trades that define Italian craftsmanship.
- Tools, equipment, and workshop upgrades
- Small-scale financing with simplified process
- Preserves traditional trades and know-how
Advisory & guidance
Financing is only useful when it's the right type, at the right time, for the right purpose. We help SMEs understand the options available, prepare the documentation banks require, and navigate the guarantee application process — so the financing conversation with a lender starts from a position of strength.
- Identify the right financing instrument
- Prepare documentation and applications
- Navigate the process with expert support
Principles that guide every guarantee
We exist to serve Italian enterprise, not to complicate it. These commitments shape how we work with every business, on every application.
Enterprise first
Every decision starts from a simple question: does this help the business? We design our instruments around the needs of Italian SMEs, not around internal targets or bureaucratic convenience.
Transparent process
Eligibility criteria, coverage ratios, and timelines are stated clearly upfront. No opaque scoring, no moving goalposts — just a process an SME owner can understand and plan around.
Efficient turnaround
Businesses can't wait months for a decision. We review applications promptly and provide a clear answer within a defined timeframe — because a guarantee that arrives too late helps no one.
Practical expertise
We understand the sectors we serve — commerce, services, artisan trades, and the realities of running a small business in Italy. That knowledge produces better assessments than a spreadsheet alone.
Accessible to all sizes
A micro-enterprise deserves the same attention as a mid-sized firm. We design instruments that work for businesses of every scale — because the smallest companies are often the ones that need a guarantee most.
Long-term partnership
We're not a one-time transaction. As businesses grow and return for new financing, we're here with a streamlined process and an understanding of their history — because supporting enterprise is a relationship, not a form.
Ready to explore your financing options?
Tell us about your business and what you need. We'll outline the instruments that fit and walk you through the process.
Start a conversation