ConfeserFidi
Confeserfidi is an Italian mutualistic credit consortium supervised by Banca d'Italia, providing collective guarantees, direct financing (€100k–€10M), surety bonds, certifications, and ESG consulting to SMEs, professionals, and corporates across Italy.
- Company typePrivate
- Founded1998
- HeadquartersScicli, Italy
- Headcount101–250
- GTM typeB2B
- OfferingServices
What ConfeserFidi does
Confeserfidi is an Italian financial intermediary organized as a mutualistic consortium (Confidi — Società Consortile a responsabilità limitata) and supervised by Banca d'Italia under Article 106 of the Consolidated Banking Law (TUB), registration n. 84. Founded in 1998 and headquartered in Scicli, Sicily, the company provides collective credit guarantees (Garanzia Collettiva Fidi), direct financing, surety bonds (Fideiussioni), financial capacity certifications, and ESG consulting to Italian small and medium enterprises, freelance professionals, and — at the upper tier — large corporates. Its financing portfolio spans five product variants ranging from €100,000 professional and small-amount loans up to €10,000,000 corporate facilities, complemented by facilitated-finance advisory for subsidized instruments (Nuova Sabatini, Crias, Transizione 5.0, EU grants). The technology stack is a digital-first platform with fully dematerialized credit processes, a real-time online eligibility portal, and remote grafometric digital signature for legally recognized contract execution under the Italian Digital Administration Code.
The company operates a hybrid distribution model combining direct sales via 13 branch offices across seven Italian regions (Sicily, Campania, Lazio, Marche, Molise, Sardinia, Apulia), a recruited channel of OAM-registered financial agents and credit intermediaries, and partnerships with over 40 banking institutions and fintech companies that distribute Confeserfidi-guaranteed credit products. Revenue is generated through transaction fees on surety bonds (with no cash collateral required and premiums rateable over 12 months), recurring mutualistic guarantee fees, interest margins on direct loans, and professional-services fees for ESG consulting, financial capacity certifications, legal rating assistance, and facilitated-finance advisory. Marketing is multi-channel, anchored by Confeserfidi TV (YouTube), LinkedIn, an ESG webinar and event program, and the EU-funded GreenShift sustainability training initiative under the Transform Together Fund. As of 31 December 2025, Confeserfidi reported share capital of €9,811,000 and net equity of €29,309,716; Bartolomeo Mililli serves as CEO and Roberto Giannone as President.
ConfeserFidi firmographics
Firmographics- Name
- ConfeserFidi
- Legal name
- Confeserfidi Società Consortile a responsabilità limitata
- Website
- https://confeserfidi.it
- Company type
- Private
- Founded year
- 1998
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Confeserfidi is an Italian mutualistic credit consortium supervised by Banca d'Italia, providing collective guarantees, direct financing (€100k–€10M), surety bonds, certifications, and ESG consulting to SMEs, professionals, and corporates across Italy.
- Ownership category
- akta.pro rank
ConfeserFidi industry classification
Industry- Product category
- Mutual Guarantee Financial Services
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Nondepository Credit Intermediation (5222), Credit Intermediation and Related Activities (522)
- SIC
- Loan Brokers (6163), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)
- akta.pro secondary industry
- Lending & Credit Disbursements (FSAMAKAH)
Keywords
Where ConfeserFidi is headquartered
LocationHeadquarters
- HQ city
- Scicli
- HQ country
- Italy
- HQ region
- Europe
Offices14 records
Markets served
ConfeserFidi business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Mutualistic guarantee fees: Collective fideiussioni (surety bonds) issued against fees, including free collateral and instalment premiums over one year.
- Direct financing: Direct loans to enterprises and professionals for liquidity, working capital, and investments. Range from €100,000 for small amounts to €10,000,000 for corporate clients.
- Financial capacity certifications: Attestazioni di capacità finanziaria issued for regional tenders, transport operators, driving schools, nautical schools, vehicle inspection centres, and automotive consulting studios.
- ESG and sustainability consulting: ESG performance measurement services, ESG rating acquisition, and Gender Equality Certification consulting, as well as sustainability training under the GreenShift EU-funded program.
- Facilitated finance consulting: Advisory services for accessing subsidized loans, regional/national/EU grants, and facilitated credit programs (e.g., Nuova Sabatini, Crias, Transizione 5.0).
- Surety bond issuance: Fideiussioni issued for public tenders, public contribution collection, lease contracts, franchise agreements, and purchase of goods and services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Finanziamenti per Professionisti: up to €100,000 for liquidity and small investments |
| One time/ perpetual license | Pay-as-you-go | Finanziamenti per Investimenti: up to €1,000,000 for purchase of capital goods and innovation |
| One time/ perpetual license | Pay-as-you-go | Finanziamenti Corporate: up to €10,000,000 for working capital and investments for medium and large enterprises |
| One time/ perpetual license | Pay-as-you-go | Finanziamenti per Attivo Circolante: up to €1,000,000 for cash liquidity |
| One time/ perpetual license | Pay-as-you-go | Finanziamenti Importi Ridotti: up to €100,000 for liquidity and investments |
| Subscription | Monthly | Surety bonds (Fideiussioni): free collateral, premium instalable over one year, feasibility evaluation free of charge, response within 48 hours |
| Other | Multi-year contract | ESG Consulting Service: measures ESG performance and guides businesses toward responsible management |
| Subscription | Annual | Garanzia Collettiva Fidi: collective mutualistic guarantee for any financing type (mortgage, chirographary, c/c overdraft, leasing) |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels6 records
ConfeserFidi product offering
Product offeringCore offering
ConfeserFidi is an Italian financial intermediary (Confidi) regulated by the Bank of Italy that issues collective guarantees enabling SMEs and professionals without sufficient collateral to access bank credit. The company provides direct financing (up to €10,000,000 for corporate clients), surety bonds (Fideiussioni), subsidized finance advisory (Finanza Agevolata), financial capacity certifications, and ESG consulting services through a digital dematerialized platform and a network of over 40 banking and fintech partnerships.
Product overview
ConfeserFidi is a financial consortium (Consorzio di Garanzia Collettiva Fidi) regulated by the Bank of Italy, offering a comprehensive suite of financial products and services for small and medium enterprises (SMEs), professionals, and entrepreneurs. The core product portfolio consists of financing solutions (Finanziamenti) across five variants tailored to different needs and scales—from professional loans (up to €100,000) and small-amount financing to large corporate facilities (up to €10,000,000). These are complemented by surety bonds (Fideiussioni), subsidized finance (Finanza Agevolata), financial capacity certifications (Attestazioni), and collective guarantee services (Garanzia). The offering extends through consulting services including ESG advisory, legal rating certification (Rating di Legalità), and financial serenity solutions (Serenità Finanziaria). Specialized initiatives include the GreenShift sustainability training program and the Creative Oasis innovation platform. The company operates through dematerialized digital processes with a network of partnerships with over 40 banking and fintech institutions.
Differentiator
Problem solved
Functional benefit
Brands
- Green Shift: A European Union-funded project under the Transform Together Fund (EaSI), aimed at training Sicilian microentrepreneurs on ESG (Environmental, Social, Governance) principles and sustainable business practices.
- Confeserfidi TV
- Hub Finanziario Lazio
Products and services
- Finanziamenti per Professionisti Smart credit financing for self-employed professionals (liberi professionisti) and studios, offering up to €100,000 for liquidity needs and small investments.
- Finanziamenti per Investimenti Investment financing providing up to €1,000,000 for the purchase of capital goods and innovation projects, supporting business growth initiatives.
- Finanziamenti Corporate Advanced financing solutions for medium and large Italian enterprises, offering up to €10,000,000 for working capital and investments through new credit channels.
- Finanziamenti per Attivo Circolante Quick credit solution providing up to €1,000,000 in cash liquidity for businesses without waiting periods.
- Finanziamenti Importi Ridotti Simple, fast credit solution for small loan amounts up to €100,000 for liquidity and investments, processed with dematerialized procedures.
- Fideiussioni Direct surety bonds issued for all sectors, including commercial sureties, public contribution guarantees, and bid bonds for public tenders. Features free feasibility evaluation, 48-hour response time, no cash collateral required, and premium payable in instalments over one year.
- Finanza Agevolata Assisted finance service helping clients obtain subsidized financing from public and private funding entities, with some measures combinable with bank financing products (e.g., Nuova Sabatini, Crias, Transizione 5.0).
- Attestazioni di Capacità Finanziaria Financial capacity certifications issued for regional calls for proposals, transport operators, driving schools, nautical schools, vehicle inspection centers, and automotive consulting firms.
- Garanzia Collettiva Fidi Collective mutualistic guarantee service for any type of financing, including mortgage, unsecured loans, current account overdrafts, and leasing, for any purpose from working capital to investments, available across all sectors.
- Servizio di Consulenza ESG ESG consulting service enabling businesses to measure their Environmental, Social, and Governance performance and pursue a structured path toward more responsible, competitive, and financeable management.
Quantifiable outcome
- Surety bonds issued with response guaranteed within 48 hours
- +3 more outcomes
Companies that use ConfeserFidi
Customer profileNamed customers2 records
Segments6 records
Ideal customer profiles5 records
ConfeserFidi technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
ConfeserFidi partnerships and signals
Strategic signalScale indicators6 records
Recent moves6 records
Expansion highlights6 records
ConfeserFidi competitors and assessment
Company assessmentDirect peers
- Cooperfidi Italia: Italian cooperative credit guarantee consortium for cooperative enterprises and SMEs. Comparable as a Confidi entity providing mutual guarantees, direct credit, and advisory services to Italian SMEs.
- Confidi Systema!: Another Italian mutual guarantee consortium (Confidi) intermediating SME access to bank credit through collective guarantees and direct financing. Comparable in regulatory status under Article 106 TUB and in serving Italian SMEs with limited collateral.
- Eurofidi: Italian mutual guarantee consortium offering collective fideiussioni and credit intermediation to SMEs and professionals, supervised by Banca d'Italia. Directly comparable product set, regulatory perimeter and target customer base.
- Confidi Confcommercio: Network of Confidi entities affiliated with Confcommercio providing guarantees and credit access to Italian retail and service SMEs. Comparable mutual guarantee structure and SME/professional customer base.
Broad incumbents
- Banca del Mezzogiorno (Mediocredito Centrale Group): Italian bank within the Mediocredito Centrale / Invitalia group focused on southern Italy SMEs. Comparable in geographic focus on Mezzogiorno regions and in providing guarantees, subsidized finance and credit to underserved SMEs.
- Artigiancassa (BPER Group): Italian bank specialized in credit and guarantees for artisans and small businesses, part of BPER banking group. Comparable in targeting Italian micro/SME borrowers with credit intermediation and guarantee products, though operating as a bank rather than a Confidi.
- Mediocredito Centrale: State-backed Italian financial intermediary (part of Invitalia group) providing guarantees, subsidized finance and direct credit to SMEs, including management of the Fondo Centrale di Garanzia. A much larger incumbent that defines the regulatory and competitive landscape for ConfeserFidi.
Emerging players
- Funding Circle: UK- and Europe-focused digital SME lending platform offering unsecured and secured business loans. Comparable in serving SME borrowers underserved by traditional banks, but competing via a fully digital, balance-sheet-funded model rather than the mutual guarantee structure.
- iwoca: European fintech providing flexible credit lines and term loans to SMEs and small businesses. Competes for the same Italian SME customer set that ConfeserFidi targets, especially through digital channels.
Regional players
- Fidi Toscana: Tuscany-based mutual guarantee consortium serving regional SMEs with collective guarantees and credit intermediation. Comparable business model with a more concentrated regional footprint than ConfeserFidi.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
ConfeserFidi social profiles
Digital presenceConfeserFidi compliance and trust
Trust signalCompliance4 records
ConfeserFidi financial estimates
Financial estimateRevenue estimate
Valuation estimate
ConfeserFidi leadership team
Management profileNumber of profiles
Profiles2 records
ConfeserFidi funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ConfeserFidi M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ConfeserFidi
What does ConfeserFidi do?
ConfeserFidi is an Italian financial intermediary (Confidi) regulated by the Bank of Italy that issues collective guarantees enabling SMEs and professionals without sufficient collateral to access bank credit. The company provides direct financing (up to €10,000,000 for corporate clients), surety bonds (Fideiussioni), subsidized finance advisory (Finanza Agevolata), financial capacity certifications, and ESG consulting services through a digital dematerialized platform and a network of over 40 banking and fintech partnerships.
Is ConfeserFidi a public or private company?
ConfeserFidi is a private company. It is classified as management employee owned and is currently operating.
When was ConfeserFidi founded?
ConfeserFidi was founded in 1998. It employs 101 to 250 people.
Where is ConfeserFidi based?
ConfeserFidi is headquartered in Scicli, Italy, in the Europe region.
How does ConfeserFidi make money?
Six revenue lines are on record. Mutualistic guarantee fees are the primary driver. The others are direct financing, financial capacity certifications, ESG and sustainability consulting, facilitated finance consulting and surety bond issuance.
Who are ConfeserFidi's main competitors?
Direct peers on record are Cooperfidi Italia, Confidi Systema!, Eurofidi and Confidi Confcommercio. Broad incumbents are Banca del Mezzogiorno (Mediocredito Centrale Group), Artigiancassa (BPER Group) and Mediocredito Centrale. Emerging players are Funding Circle and iwoca. Fidi Toscana is listed as a regional player.
Does ConfeserFidi have an API?
No public API is recorded for ConfeserFidi.
What industry is ConfeserFidi in?
ConfeserFidi's product category is Mutual Guarantee Financial Services. Its primary akta.pro industry code is FSAEAEAM, Personal Loan & Unsecured Credit Intermediation, with a secondary code of FSAMAKAH, Lending & Credit Disbursements. Its NAICS code is 52231 and its SIC code is 6163.