Cooperfidi

What Cooperfidi does

Cooperfidi s.c. is a cooperative guarantee consortium (confidi) founded in 1980 and headquartered in Trento, Italy. It is registered as a financial intermediary under article 106 of the Italian Banking Law (d.lgs. 385/93) and, as of June 2020, holds the distinction of being the only supervised agricultural confidi in Italy. The company serves agricultural enterprises, cooperatives, agricultural producer associations, and land improvement consortia operating in the Province of Trento, with a member base of 1,729 enterprises at end-2023.

The company's core product is Garanzie Collettive Fidi (collective credit guarantees), which enable member enterprises to access bank financing at preferential conditions by guaranteeing portions of the loan. As of end-2023, Cooperfidi had 1,070 active guarantees covering over 118 million EUR of loans, with a total loan portfolio of approximately 200 million EUR. Some 91% of guarantee-issued financing flows through the Casse Rurali Trentine network of 12 cooperative rural banks, making this partnership the core distribution channel. Beyond guarantees, Cooperfidi offers financial consulting (Consulenza Finanziaria), direct financing products (including renewable energy loans of 10,000-100,000 EUR for up to 8 years and settlement premium advances for young farmers), access to public special real estate funds (Fondi Speciali Immobiliare), and the FEI Social Entrepreneurship program backed by the European Investment Fund.

Cooperfidi operates on a mutualistic cooperative model owned by its members. Revenue is primarily generated through guarantee fees on its 200M EUR loan portfolio, supplemented by interest spread on direct financing products and grants/facilitation fees from EU and provincial programs. Net equity stood at over 81 million EUR at end-2023 (up 4.3% YoY), with net profit of 2.3 million EUR. The company's strategic positioning combines regulatory legitimacy (sole supervised agricultural confidi), deep institutional partnerships (Provincia Autonoma di Trento, Federazione Trentina della Cooperazione, ISMEA, FEI), and 40+ years of regional credit expertise to act as the primary bridge between Trentino's agricultural and cooperative enterprises and the banking system.

Name

Cooperfidi

Legal name

Cooperfidi s.c.

Website

https://cooperfidi.it

Company type

Private

Founded year

1980

Operating status

Operating

Short description

Cooperfidi is a Trento-based cooperative financial intermediary and the only supervised agricultural confidi in Italy, providing collective credit guarantees, direct financing, and consulting to 1,729 agricultural enterprises and cooperatives across the Trentino province under art. 106 of the Italian Banking Law.

Ownership category

akta.pro rank

Product category

Credit Guarantee Services (Cooperative Financial Services)

NAICS

Credit Intermediation and Related Activities (522), Activities Related to Credit Intermediation (5223), Other Activities Related to Credit Intermediation (522390)

SIC

Miscellaneous Business Credit Institution (6159), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG)

akta.pro secondary industries

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF), Federations/Centrals & Cooperative Banking Networks (2nd-Tier Co-ops) (FSABAEAL)

Keywords

• Credit guarantee services
• Cooperative financial services
• Agricultural lending
• Subsidized finance access
• Financial consulting

Headquarters

HQ city

Trento

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Collective Credit Guarantees (Garanzie collettive fidi): The primary revenue stream is fees collected for issuing collective credit guarantees that enable member enterprises to access financing at favorable conditions from banking partners.
2. Direct Financing (Finanziamenti diretti): Cooperfidi provides direct loan products to member enterprises, including preferential loans for renewable energy investments and settlement advances for young farmers.
3. Financial Consulting (Consulenza finanziaria): Free financial consulting services provided to members to help select the most suitable financing and subsidized finance instruments.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels7 records

Core offering

Cooperfidi is a cooperative guarantee consortium (confidi) that issues collective credit guarantees to help member enterprises — agricultural businesses, cooperatives, producer associations, and land improvement consortia based in Trentino — access bank financing at favorable conditions. It complements guarantees with free financial consulting, direct financing products (renewable energy loans, young farmer settlement advances), and access to special public and EU funds for member development.

Product overview

Cooperfidi is a financial cooperative (Confidi) providing a unified portfolio of credit guarantee and financial services to agricultural enterprises and cooperatives in the Trentino region. The core offering centers on Garanzie Collettive Fidi (collective guarantee services) that enable members to access credit at reduced costs, supplemented by Consulenza Finanziaria (financial consulting) to guide financing choices, Finanziamenti Diretti (direct financing products) including advances on settlement premiums and renewable energy loans, plus access to Fondi Speciali Immobiliare and the FEI Social Entrepreneurship program for specialized needs. The services work together as an integrated support system where guarantees are the primary offering, with consulting and direct financing serving as complementary services for members seeking comprehensive financial support.

Differentiator

Problem solved

Functional benefit

Products and services

• Garanzie Collettive Fidi (Collective Credit Guarantees) Collective credit guarantees issued on loans that enable member enterprises (agricultural enterprises, cooperatives, producer associations, land improvement consortia) to access credit at favorable conditions from banking institutions. The primary revenue-generating service of Cooperfidi.
• Consulenza Finanziaria (Financial Consulting) Free financial consulting services that help member enterprises choose the most suitable financing and subsidized finance instruments, including support in navigating public funds and special programs.
• Finanziamenti Diretti (Direct Financing) Direct financing products that support member projects with targeted financial solutions, including preferential loans for renewable energy investments and advance on settlement premiums for young farmers.
• Fondi Speciali Immobiliare (Special Real Estate Funds) Assistance for members in accessing special funds made available by public entities for real estate-related financing needs.
• FEI Social Entrepreneurship Program European Investment Fund program providing dedicated financial support to social enterprises to promote investments and facilitate credit access. Cooperfidi offers member access to FEI Social Entrepreneurship funds for qualifying social enterprises.
• Anticipo Premio di Insediamento (Settlement Premium Advance) Advance on settlement premiums provided by the Province for young farmers, with a 2.5 million euro plafond, enabling faster access to funds while awaiting provincial disbursement.
• Finanziamenti Agevolati Energia Rinnovabile (Preferential Renewable Energy Financing) Preferential loans for agricultural and fishing enterprises for renewable energy investments (photovoltaic, wind, biogas, biomass), with amounts of 10,000-100,000 euros, 8-year duration, and favorable rates.

Quantifiable outcome

• 2023: 215 new guarantee applications, 209 approved, representing 26 million euros in guarantees for 40 million euros in financing
• +3 more outcomes

Named customers8 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Ten partnerships are on record, tiered core, major, minor and historical.

• Provincia Autonoma di TrentocoreStrategic or Co-development PartnerCooperfidi collaborates with the Provincial Authority of Trento on multiple initiatives including energy cost support protocols, subsidized financing for agricultural enterprises, and agricultural sector development programs. In 2026, Cooperfidi was appointed as lead (capofila) of the working group on generational renewal in Trentino livestock farming.
• Casse Rurali TrentinecoreStrategic or Co-development PartnerPartnership with the 12 cooperative rural banks of Trentino, representing the primary channel through which Cooperfidi guarantees are applied (91% of guarantee-issued financing). The alliance has been formalized through agreements benefiting irrigation consortia and other agricultural entities.
• Federazione Trentina della CooperazionecoreStrategic or Co-development PartnerFederation representing Trentino cooperatives, with which Cooperfidi shares governance representation and strategic alignment. The Federation participated in Brussels visits alongside Cooperfidi to discuss cooperative credit policies.
• ISMEA (Istituto di Servizi per il Mercato Agricolo Alimentare)majorStrategic or Co-development PartnerISMEA convention activated for direct guarantee and co-guarantee operations. The co-guarantee between ISMEA and Cooperfidi covers different portions of the same financing, in derogation of art. 1954 of the Italian Civil Code, facilitating access to credit for agricultural and fishing enterprises.
• Fondazione Edmund MachmajorStrategic or Co-development PartnerCooperating partner in the 2026 livestock sector development protocol led by the Province of Trento. Fondazione Edmund Mach coordinates the working group on economic, social, educational, and territorial sustainability.
• Trentino MarketingmajorStrategic or Co-development PartnerCooperating partner in the 2026 livestock sector development protocol. Trentino Marketing coordinates the working group on positioning and enhancement of dairy products.
• Fondo Europeo di Investimento (FEI)majorStrategic or Co-development PartnerEuropean Investment Fund program providing dedicated financial support to Social Enterprises. Cooperfidi offers access to FEI Social Entrepreneurship funds for member enterprises meeting social enterprise criteria.
• Banca EticaminorChannel Partner/ Reseller/ DistributorEthical banking institution with which Cooperfidi signed a convention in 2016 for collaborative financing support to member enterprises.
• Fondo di Garanzia per le PMI (Ministero dello Sviluppo Economico)majorStrategic or Co-development PartnerItalian government SME guarantee fund under Law 662/96. Cooperfidi manages Central Guarantee Fund procedures for member enterprises, handling related administrative procedures.
• Cooperativa Artigiana di GaranziahistoricalOthersHistorical confidi entity that merged into Confidi Trentino Impresa, with Cooperfidi maintaining relationships from the prior cooperative confidi network.

Scale indicators10 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• Federconfidi: National Italian federation representing and coordinating confidi entities across Italy. Comparable as a peer network and trade body that sets standards and aggregates the confidi sector in which Cooperfidi operates.
• ISMEA: Italian government institute providing financial services and guarantees to the agricultural and fishing sectors. Comparable as a direct counterparty in Cooperfidi's coguarantee convention and as a state-backed agricultural credit institution operating in overlapping segments.
• Mediocredito Centrale: Italian state-backed financial intermediary managing national guarantee funds (Fondo di Garanzia per le PMI) that Cooperfidi accesses. Comparable as a counterparty and as a larger, federally sponsored credit institution operating in overlapping SME/agricultural credit channels.
• Banca Etica: Italian ethical bank with which Cooperfidi has an active convention for collaborative financing. Comparable as a values-aligned cooperative-bank channel partner in the same territory and serving overlapping member types.
• Cooperfidi Italia: National-level consortium and trade body coordinating Italian cooperative credit guarantee entities. Comparable as an aggregating network for confidi operating in the cooperative sector, including Cooperfidi's own membership structure.

Regional players

• Eurofidi: Italian confidi providing collective credit guarantees to SMEs and cooperatives, primarily in northern Italy. Operates a comparable guarantee-based mutualistic model serving cooperative members with bank-issued financing.
• Fidi Toscana: Regional Italian confidi providing collective credit guarantees to cooperatives and SMEs in Tuscany. Operates a structurally identical mutualistic guarantee model to Cooperfidi, serving as a useful comparator for unit economics in a different regional economy.
• Artigianfidi Padova: Italian regional confidi providing credit guarantees primarily to artisan enterprises in Veneto. Operates a similar mutualistic guarantee model targeted at cooperatives and small businesses, making it comparable on business model and regulatory structure though geographically separate.

Emerging players

• Garanzia Etica: Italian ethical confidi providing credit guarantees to social enterprises, third-sector organizations, and cooperatives. Overlaps with Cooperfidi's FEI Social Entrepreneurship mandate and cooperative-segment focus, particularly for social cooperatives.

Direct peers

• Confidi Trentino Impresa: Cooperfidi's sister confidi in Trentino, focused on cooperatives and SMEs in the same Province of Trento. Both entities share historical roots (Cooperativa Artigiana di Garanzia merged into Confidi Trentino Impresa) and overlapping banking partners, making them the most directly comparable peer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/CooperfidiTN/with_replies
• YouTubeyoutube.com/@cooperfiditrento
• LinkedInlinkedin.com/company/cooperfidi

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cooperfidi