CCIAA Pisa
Italia Comfidi is an Italian Confidi consortium promoted by Confesercenti that provides credit guarantees, direct credit, and financial consulting to small and medium enterprises across Italy, distributing through approximately 450 banking partners and Confesercenti territorial offices.
- Company typePrivate
- Founded1983
- HeadquartersRome, Italy
- Headcount11–50
- GTM typeB2B
- OfferingServices
What CCIAA Pisa does
Italia Comfidi (legal name: Italia Com-Fidi Società Consortile a Responsabilità Limitata) is an Italian Confidi — a financial consortium of guarantors — promoted by the Confesercenti trade association and registered in the Albo ex art.106 del TUB (Bank of Italy registry, n.19519). Founded in 1983 and headquartered in Rome with operational direction in Florence, the company has been facilitating SME access to credit in Italy for over 40 years. Its core offering consists of credit guarantees (Garanzia) on bank financing, direct credit (Credito diretto IC) using own funds and CDP/legge di Stabilità resources, and a portfolio of advisory services including economic-financial consulting, risk center analysis (Analisi centrale rischi), business plan drafting, and access to subsidized finance (agevolazioni) and internationalization support. A recently added ESG Assessment service extends the offering into sustainability advisory.
Italia Comfidi serves micro, small, and medium enterprises across multiple verticals — including retail, tourism, manufacturing, and export-oriented businesses — and distributes its services through the Confesercenti territorial network and approximately 450 banking partners (including Intesa Sanpaolo, UniCredit, Banco BPM, BPER, MPS, Gruppo Cassa Centrale, and Gruppo Iccrea). The company is institutionally connected to the Italian public financial infrastructure: Fondo di Garanzia (MIMIT), MedioCredito Centrale, SACE, CDP, Simest, Invitalia, GSE, and at the EU level the European Investment Fund (EIF) and COSME Programme. FY2023 financials reported €81.7 million in guarantees issued (+24% YoY), €120.3 million in bank financing facilitated, €24 million in direct credit approved, €400 million total stock of guarantees, €192.2 million total assets, €97.6 million equity, and €1.17 million net profit. In 2024, the company executed over 1,200 new guarantee operations, over 270 direct credit operations, and over 500 consulting operations, and the 2025 Assemblea dei Soci reported guaranteed financing growth of +30.6%.
The business model is multi-stream: guarantee fees on intermediated financing, interest income on direct credit (funded through CDP and Stabilità), and professional fees for advisory and consulting engagements. Pricing is quote-based rather than published. The company is governed by a Shareholder Assembly under President Nico Gronchi and CEO Emilio Quattrocchi, with Alessandro Ravecca serving as President of Confesercenti provincial. Recent strategic moves include a February 2024 joint credit and consulting hub with Con Te Srl in La Spezia (Ligurian expansion), the June 2024 launch of ESG Assessment, an August 2024 IT platform for Transizione 5.0 tax-credit reservations, and a renewed agreement with Banco BPM for a €5 million Tuscan plafond. Share capital stood at €60,456,245.86 as of 29 October 2025.
CCIAA Pisa firmographics
Firmographics- Name
- CCIAA Pisa
- Legal name
- ITALIA COM-FIDI SOCIETA' CONSORTILE A RESPONSABILITA' LIMITATA
- Website
- https://comfidi.it
- Company type
- Private
- Founded year
- 1983
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Italia Comfidi is an Italian Confidi consortium promoted by Confesercenti that provides credit guarantees, direct credit, and financial consulting to small and medium enterprises across Italy, distributing through approximately 450 banking partners and Confesercenti territorial offices.
- Ownership category
- akta.pro rank
CCIAA Pisa industry classification
Industry- Product category
- Credit Guarantee and SME Financial Services
- NAICS
- Nondepository Credit Intermediation (5222), Other Activities Related to Credit Intermediation (522390)
- SIC
- Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Lending & Credit Disbursements (FSAMAKAH)
Keywords
Where CCIAA Pisa is headquartered
LocationHeadquarters
- HQ city
- Rome
- HQ country
- Italy
- HQ region
- Europe
Offices6 records
Markets served
CCIAA Pisa business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D
Revenue model
- Guarantee fees: Italia Comfidi issues guarantees on financing operations, facilitating access to credit for SMEs. The company earns fees for providing these guarantees to banks and financial intermediaries.
- Direct credit: Direct financing provided to SMEs using the company's own resources and funding through CDP and Legge di Stabilita. The company approved approximately 24 million euros in direct credit in 2023.
- Consulting services: Economic-financial consulting services including business plan development, credit risk analysis, and financial feasibility assessments.
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
CCIAA Pisa product offering
Product offeringCore offering
Italia Comfidi is a Confidi (credit guarantee consortium) that facilitates access to bank credit for Italian small and medium enterprises by issuing guarantees on financing operations, providing direct credit from its own resources, and offering economic-financial consulting and subsidized finance advisory services. It operates as an intermediary between SMEs and approximately 450 banking partners, supported by Italian and EU public guarantee funds (Fondo di Garanzia, EIF, COSME, CDP). The company is organized as a Società Consortile a r.l. promoted by Confesercenti and is registered in the Albo ex art.106 TUB.
Product overview
Italia Comfidi operates as a financial consortium (Confidi) promoted by Confesercenti that facilitates credit access for small and medium enterprises. The offering is structured as a comprehensive suite of interconnected financial services rather than a single unified product. The core portfolio consists of guarantee services (Garanzia) and direct credit (Credito diretto IC) as the primary products, supplemented by business advisory services including economic-financial consulting (Consulenza economico-finanziaria), risk center analysis (Analisi centrale rischi), and business/industrial plan drafting (Business plan e piano industriale). The subsidized finance division (Agevolazioni alle imprese, Aiuti all'internazionalizzazione) provides access to national and regional incentive programs. Technical support services for banks (Service Fondo di Garanzia, Service finanza agevolata) enable intermediaries to process guarantee and subsidized financing operations. A recent addition is the ESG Assessment service for sustainability evaluation. The company has been operating for over 40 years and serves approximately 450 banking partners nationwide.
Differentiator
Problem solved
Functional benefit
Products and services
- Garanzia (Credit Guarantee) Credit guarantee service covering all forms of financing, issued up to 80% to facilitate SME access to bank credit through conventions with approximately 450 Italian banking partners.
- Credito diretto IC (Direct Credit) Direct financing from Italia Comfidi's own resources, providing medium and long-term loans for business expansion, startup, or working capital needs; up to €200,000 per operation.
- Consulenza economico-finanziaria (Economic-Financial Consulting) Advisory service evaluating business performance and planning improvement actions to meet bank and financier parameters for SMEs.
- Analisi centrale rischi (Central Risk Analysis) Service evaluating a business's credit lines and debt sustainability to improve bankability and support guarantee/credit decisions.
- Business plan e piano industriale Drafting of business plans and industrial plans to increase financing possibilities or support business startups.
- Agevolazioni alle imprese (Subsidized Finance for SMEs) Advisory service providing access to public contribution instruments and subsidized financing programs at national and regional levels, including Transizione 4.0 and 5.0, ISI INAIL, FRI-TUR, Simest, Conto Termico 3.0, and Greentour.
- Aiuti all'internazionalizzazione (Internationalization Support) Advisory service supporting Italian SMEs in expanding internationally, including accessing Simest subsidized finance for export activities and digital/ecological transition.
- Service Fondo di Garanzia (Guarantee Fund Service) Technical back-office support service for banks and financial intermediaries to process operations under the Italian Guarantee Fund (Fondo di Garanzia, MIMIT).
- Service Finanza Agevolata (Subsidized Finance Service) Technical back-office service for banks and financial intermediaries covering the full lifecycle of subsidized finance applications, from pre-feasibility assessment through reporting.
- Assessment ESG (ESG Assessment Service) Sustainability assessment service that analyzes an SME's environmental, social, and governance situation and advises on ESG opportunities and compliance.
Quantifiable outcome
- 82 million euros in guarantees issued in 2023 (+24% YoY)
- +4 more outcomes
Companies that use CCIAA Pisa
Customer profileNamed customers1 record
Segments5 records
Ideal customer profiles2 records
CCIAA Pisa technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
CCIAA Pisa partnerships and signals
Strategic signalPartnerships
23 partnerships are on record, tiered core and minor.
- Con Te Srl / Confesercenti La SpeziacorePartnership to create a credit and business consulting polo in La Spezia, with presences in Genova, Savona, and Imperia. Service office 'PiùCredito' at Con Te Srl provides financial consulting for commercial, tourism and service businesses
- Intesa SanpaolocoreMajor Italian banking group collaborating with Italia Comfidi for guarantee operations and SME credit facilitation
- UniCreditcoreMajor Italian banking group collaborating with Italia Comfidi for guarantee operations
- Banco BPMcoreItalian banking group; agreement signed for 5 million euro plafond for Tuscan enterprises
- BPER BancacoreItalian banking group partner for guarantee operations
- Monte dei Paschi di Siena (MPS)coreHistoric Italian bank collaborating with Italia Comfidi for SME financing
- Gruppo Cassa CentralecoreBanking group comprising credit cooperatives, partner for guarantee operations
- Gruppo IccreacoreBanking group comprising BCC (Banche di Credito Cooperativo), partner for guarantee operations
- Fondo di Garanzia (MIMIT)coreItalian Guarantee Fund managed by Ministry of Enterprises and Made in Italy; Italia Comfidi is an authorized guarantee subject for operating with the fund
- MedioCredito CentralecorePublic financial institution managing guarantee programs for Italian SMEs
- SACEcoreItalian export credit agency and insurance company for internationalization support
- SimestcoreCompany managing subsidized finance for Italian companies' internationalization and digital transition; Italia Comfidi facilitates access to Simest programs
- InvitaliacoreItalian national agency for inward investments and economic development managing FRI-TUR and other incentive programs
- GSE (Gestore dei Servizi Energetici)coreEnergy services manager handling Transizione 5.0 and other energy-related incentive programs
- ConfesercenticoreItalian commercial and tourism trade association that promotes and supports Italia Comfidi; company is a consortium promoted by Confesercenti
- BCC LodiminorBanca di Credito Cooperativo (cooperative bank) partnership for local entrepreneurial support
- Regione LombardiaminorRegional government providing funding for tourism businesses competitiveness (15 million euros for accommodation facilities)
- Regione ToscanaminorRegional government partner for BEI investment lines in tourism sector and other subsidized finance programs
- Regione Emilia-RomagnaminorRegional government partner for subsidized finance programs
- Regione VenetominorRegional government partner for subsidized finance programs
- Regione PiemonteminorRegional government partner for subsidized finance programs
- Regione MarcheminorRegional government partner for subsidized finance programs
- Regione LiguriaminorRegional government partner for subsidized finance programs
Scale indicators15 records
Recent moves1 record
Expansion highlights6 records
CCIAA Pisa competitors and assessment
Company assessmentDirect peers
- Federconfidi: Federation of Italian Confidi, the umbrella body for mutual credit-guarantee consortia. Directly comparable as a Confidi ecosystem player; Italia Comfidi operates in the same regulatory and operational space.
- Garanzia Etica: Italian Confidi focused on ethical credit guarantees and SME financial inclusion. Comparable mutual-guarantee model and SME financing focus.
- Cooperfidi Italia: Consortium guarantee institution for Italian cooperatives and SMEs. Operates an analogous mutual guarantee/credit intermediation model for member SMEs.
- Confidi Rete Fidi Italia: Italian Confidi network providing credit guarantees to SMEs nationwide. Same regulatory regime (art. 106 TUB), same product set, same SME customer base.
- Eurofidi: Italian Confidi providing credit guarantees and consulting to SMEs, supported by Confesercenti-affiliated networks. Closely comparable product mix (guarantees, direct credit, advisory) and SME target segment.
Broad incumbents
- Mediocredito Centrale: Italian public financial institution managing central guarantee and SME financing programs. Partner of Italia Comfidi; competes at the policy level while collaborating at the operational level.
- SACE: Italian export credit agency and insurance company supporting SME internationalization. Partner of Italia Comfidi on internationalization; broader portfolio includes credit insurance and export finance.
- European Investment Fund (EIF): EU financing institution supporting SMEs via guarantee instruments (COSME, InnovFin). Counterparty of Italia Comfidi for EU-backed guarantee products; operates at supranational scale.
- Cassa Depositi e Prestiti (CDP): Italian national development bank funding Italia Comfidi's direct credit operations. Operates at far larger scale across all SME financing instruments and is a key upstream capital provider.
Emerging players
- Credimi: Italy's largest digital lending platform for SMEs, offering receivables-backed financing and direct loans online. An emerging fintech competitor addressing the same SME credit-access gap that Italia Comfidi targets through guarantees.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
CCIAA Pisa social profiles
Digital presenceCCIAA Pisa compliance and trust
Trust signalCompliance4 records
CCIAA Pisa financial estimates
Financial estimateRevenue estimate
Valuation estimate
CCIAA Pisa leadership team
Management profileNumber of profiles
Profiles4 records
CCIAA Pisa subsidiaries and ownership
Company hierarchySubsidiaries1 record
CCIAA Pisa funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CCIAA Pisa M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CCIAA Pisa
What does CCIAA Pisa do?
Italia Comfidi is a Confidi (credit guarantee consortium) that facilitates access to bank credit for Italian small and medium enterprises by issuing guarantees on financing operations, providing direct credit from its own resources, and offering economic-financial consulting and subsidized finance advisory services. It operates as an intermediary between SMEs and approximately 450 banking partners, supported by Italian and EU public guarantee funds (Fondo di Garanzia, EIF, COSME, CDP). The company is organized as a Società Consortile a r.l. promoted by Confesercenti and is registered in the Albo ex art.106 TUB.
Is CCIAA Pisa a public or private company?
CCIAA Pisa is a private company. It is classified as management employee owned and is currently operating.
When was CCIAA Pisa founded?
CCIAA Pisa was founded in 1983. It employs 11 to 50 people.
Where is CCIAA Pisa based?
CCIAA Pisa is headquartered in Rome, Italy, in the Europe region.
How does CCIAA Pisa make money?
Three revenue lines are on record. Guarantee fees are the primary driver. The others are direct credit and consulting services.
Who are CCIAA Pisa's main competitors?
Direct peers on record are Federconfidi, Garanzia Etica, Cooperfidi Italia, Confidi Rete Fidi Italia and Eurofidi. Broad incumbents are Mediocredito Centrale, SACE, European Investment Fund (EIF) and Cassa Depositi e Prestiti (CDP). Credimi is listed as an emerging player.
Does CCIAA Pisa have an API?
No public API is recorded for CCIAA Pisa.
What industry is CCIAA Pisa in?
CCIAA Pisa's product category is Credit Guarantee and SME Financial Services. Its primary akta.pro industry code is FSAMAKAH, Lending & Credit Disbursements. Its NAICS code is 5222 and its SIC code is 6159.