Garantizar
Garantizar SGR is Argentina's largest mutual guarantee society, providing bank and commercial guarantees that enable SMEs to access credit they could not qualify for independently, distributed through branches, a digital virtual branch, and a network of 30+ partner banks.
- Company typePrivate
- Founded1996
- HeadquartersBuenos Aires, Argentina
- Headcount251–500
- GTM typeB2B
- OfferingServices
What Garantizar does
Garantizar SGR is an Argentine Sociedad de Garantía Recíproca (mutual guarantee society), founded in 1996 and headquartered in Buenos Aires. It is the largest SGR in Argentina's system, operating with a Guarantee Fund of ARS $336,457M and having cumulatively backed 58,418 SMEs with ARS $2,228,437M in guarantees issued over 29 years. The firm enables small and medium enterprises to access bank credit and capital-market financing by providing mutual guarantees that substitute for the collateral SMEs typically lack.
Garantizar's product portfolio spans bank guarantees (Garantía Bancaria, including a digital variant capped at ARS $20,000,000 without counter-guarantees for monotributistas), commercial guarantees for supply-chain financing (Garantía Comercial, Cadena de Valor), capital-market instruments (Pagaré Bursátil, Obligaciones Negociables PyME, Cheques de Pago Diferido and E-Cheq), and thematic guarantees such as Garantía Verde for sustainable projects. Distribution is multi-channel: physical branches and commercial advisors across Argentina, a Virtual Branch digital platform for self-serve operations, an online check discounting simulator, and a network of 30+ partner banks where the guarantees are ultimately issued and credit disbursed. The model is reinforced by Socios Protectores (Protective Partners) who contribute capital to the Guarantee Fund and receive periodic financial returns plus a 100% income-tax deduction on contributions.
Revenue is generated via transaction-based fees on guarantees and managed services on the Guarantee Fund. The GTM motion is hybrid: sales-led through face-to-face commercial advisors, event-driven through participation in major Argentine agribusiness and SME trade shows (Agroactiva, Expoagro, Apronor, Expo Rural Rafaela, Expo Innova Cuyo, Mundo PyME), and direct digital through the Sucursal Virtual. Pricing is not publicly disclosed; quotes are customized based on guarantee type, amount, and counter-guarantee profile. Customer segments are PyMEs as the primary base, entrepreneurs/monotributistas as a digitally targeted segment, and large enterprises ("Aliados Comerciales") using Cad
Garantizar firmographics
Firmographics- Name
- Garantizar
- Legal name
- Garantizar SGR
- Website
- https://garantizar.com.ar
- Company type
- Private
- Founded year
- 1996
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Garantizar SGR is Argentina's largest mutual guarantee society, providing bank and commercial guarantees that enable SMEs to access credit they could not qualify for independently, distributed through branches, a digital virtual branch, and a network of 30+ partner banks.
- Ownership category
- akta.pro rank
Garantizar industry classification
Industry- Product category
- SME Credit Guarantee Services
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Nondepository Credit Intermediation (5222), Sales Financing (52222)
- SIC
- Surety Insurance (6351), Loan Brokers (6163), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Guarantor/Co-Signer Consumer Loans (FSAKAOAI)
Keywords
Where Garantizar is headquartered
LocationHeadquarters
- HQ city
- Buenos Aires
- HQ country
- Argentina
- HQ region
- Latin America
Offices1 record
Markets served
Garantizar business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D
Revenue model
- Garantía Bancaria: Fees charged for providing bank guarantees that enable PyMEs to access credit from financial institutions. Management occurs at branches with amounts having no defined cap.
- Pagaré Bursátil y Cheques de Pago Diferido: Fees for guaranteeing promissory notes and deferred payment checks, allowing SMEs to discount these instruments in the capital markets.
- Garantía Comercial Digital: Fees for digital commercial guarantees that extend credit lines between large companies and their SME supplier/customer communities.
- Socios Protectores (Protective Partners): Capital contributions from protective partners who become part of the Guarantee Fund, receiving periodic financial returns and tax benefits (100% tax deduction on income tax).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Bank Guarantee (Digital) - up to $20,000,000 with no counter-guarantee required |
| Transaction based/ take rate | Pay-as-you-go | Bank Guarantee - no defined cap with counter-guarantee on movable/immovable assets |
| Transaction based/ take rate | Pay-as-you-go | Commercial Guarantee - for expanding credit lines with suppliers |
| Transaction based/ take rate | Pay-as-you-go | Deferred Payment Check Discounting - amounts according to each SME's reality |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Garantizar product offering
Product offeringCore offering
Garantizar is a Sociedad de Garantía Recíproca (mutual guarantee society) that issues bank guarantees, commercial guarantees, and guarantees on capital market instruments (promissory notes, deferred payment checks, SME negotiable obligations) that enable Argentine SMEs to access bank credit they would not otherwise qualify for due to lack of collateral or credit history. The company also provides value chain financing products that allow large companies to extend guaranteed credit lines to their SME suppliers and customers, and offers digital guarantee products that require no counter-guarantee for monotributistas and self-employed professionals.
Product overview
Garantizar is a Sociedad de Garantía Recíproca (SGR) - a mutual guarantee society - offering a comprehensive portfolio of guarantee products for SMEs in Argentina. The core offering includes bank guarantees (Garantía Bancaria in both branch and digital formats), commercial guarantees (Garantía Comercial), and capital market instruments such as deferred payment check discounting (Descuento de Cheques de Pago Diferido, E-Cheq), SME negotiable obligations (Obligaciones Negociables PyME), and commercial papers (Pagaré Bursátil). Additional products include the Garantía Verde for sustainable investments and Cadena de Valor for supply chain financing. The company operates through a network of physical branches, a digital platform (Sucursal Virtual), and online tools including check simulation calculators. With 29 years of experience supporting Argentine SMEs, Garantizar has backed 58,418 SMEs with $2,228,437M in guarantees issued through a $336,457M mutual fund.
Differentiator
Problem solved
Functional benefit
Products and services
- Garantía Bancaria (Bank Guarantee) Bank guarantee product enabling SMEs to access bank financing for working capital, investment projects, and capital goods purchases. Managed through physical branch locations with counter-guarantee on movable/immovable assets or pledge. Amounts have no defined cap.
- Garantía Bancaria Digital (Digital Bank Guarantee) Digital bank guarantee for entrepreneurs, monotributistas, and self-employed professionals (Responsables Inscriptos). Offers up to $20,000,000 without requiring counter-guarantee, with fully online management process through the digital platform.
- Garantía Comercial (Commercial Guarantee) Commercial guarantee for expanding current account credit lines with suppliers. Managed at physical branch locations, enabling large companies to extend credit to their SME supplier and customer networks with Garantizar's guarantee backing.
- Garantía Comercial Digital (Digital Commercial Guarantee) Digital commercial guarantee for expanding current account credit for customers, available through the Virtual Branch (Sucursal Virtual) platform. Extends credit lines between large companies and their SME supplier/customer communities with digital management.
- Descuento de Cheques de Pago Diferido (Deferred Payment Check Discounting) Service for discounting deferred payment checks (both physical and electronic) for working capital financing, with terms up to 360 days. Counter-guarantee is sole signature. Amounts determined based on each SME's reality.
- E-Cheq (Electronic Check) Electronic check product for deferred payment financing. Supports online management through digital platforms for working capital needs of SMEs.
- Obligaciones Negociables PyME (SME Negotiable Obligations) SME negotiable obligations product for investment financing through capital markets. Counter-guarantee options include single-signature and/or additional guarantees based on the SME's profile.
- Pagaré Bursátil (Commercial Paper) Commercial paper product for working capital and investment financing through the capital markets. Enables SMEs to access funding by issuing guaranteed promissory notes that can be discounted in capital markets.
- Garantía Verde (Green Guarantee) Green guarantee product specifically designed for sustainable investment projects. Managed at physical branch locations, supporting SMEs pursuing environmentally sustainable business investments.
- Cadena de Valor (Value Chain Guarantee) Value chain guarantee product enabling large companies to expand credit lines between themselves and their SME customers and suppliers. Strengthens supply chain financing while reducing credit risk for the large company anchor.
Quantifiable outcome
- 58,418 PyMEs backed
- +1 more outcomes
Companies that use Garantizar
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Garantizar technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Garantizar partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- Banco 1coreOne of 30+ banking institutions that operate with Garantizar for issuing guarantees to PyMEs, enabling SME access to credit through Garantizar's guarantee backing.
- Banco 22coreOne of 30+ banking institutions that operate with Garantizar for issuing guarantees to PyMEs, enabling SME access to credit through Garantizar's guarantee backing.
- Banco 15coreOne of 30+ banking institutions that operate with Garantizar for issuing guarantees to PyMEs, enabling SME access to credit through Garantizar's guarantee backing.
- Bancos 1-29 (Red de 30+ bancos)coreNetwork of 30+ Argentine banking institutions operating with Garantizar for guarantee issuance, covering the majority of the Argentine banking sector and enabling broad access for PyMEs to obtain guaranteed credit.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Garantizar competitors and assessment
Company assessmentRegional players
- FOGAPyME (Fondo de Garantías para PyMEs): National Argentine guarantee fund mechanism supporting SME credit access. Comparable guarantee-intermediation function but with public-fund characteristics versus Garantizar's private mutual structure.
- FOGABA (Fondo de Garantías Buenos Aires): Provincial guarantee fund from Buenos Aires that issues SME loan guarantees. Comparable mechanism and target segment, but with a more regional/provincial mandate versus Garantizar's national scope.
Direct peers
- Intergarantías SGR: Argentine mutual guarantee society offering bank guarantees and SME financing intermediation. Operates in the same regulatory SGR framework and competes for PyME clients and partner banks.
- Confianza SGR: Argentine SGR providing SME guarantee products comparable to Garantizar's. Competes for the same pool of PyME borrowers, protective partners, and partner bank relationships.
- Acindar SGR: One of the larger SGRs in Argentina, offering mutual guarantees to PyMEs with similar bank-backed credit access products. Direct competitor within the Argentine SGR system for SME guarantee market share.
Broad incumbents
- Coface SA: Global trade credit insurer offering credit guarantees and surety bonds to businesses. Comparable credit-guarantee product mechanics, though oriented to international trade receivables rather than domestic SME lending.
- BICE (Banco de Inversión y Comercio Exterior): Argentine development bank offering financing and credit-support products to PyMEs. Comparable SME credit-intermediation focus, but operates as a state-backed bank rather than as a mutual guarantee society.
- Euler Hermes: World's largest trade credit insurer, providing credit guarantees and surety products. Comparable guarantee-underwriting franchise to Garantizar's SME guarantee model, with global scope versus Garantizar's Argentine focus.
- Travelers Companies (Surety): Major US surety insurer underwriting contract and commercial bonds. Comparable guarantee/surety product category to Garantizar's commercial and bank guarantees, but operating at much larger scale and in developed markets.
Others
- IFC SME Ventures / SME Finance Forum: International Finance Corporation programs supporting SME credit access globally. Comparable mission of expanding SME financing, though IFC operates as a development institution rather than a commercial mutual guarantee society.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Garantizar social profiles
Digital presenceGarantizar financial estimates
Financial estimateRevenue estimate
Valuation estimate
Garantizar leadership team
Management profileNumber of profiles
Profiles3 records
Garantizar funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Garantizar 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 Garantizar
What does Garantizar do?
Garantizar is a Sociedad de Garantía Recíproca (mutual guarantee society) that issues bank guarantees, commercial guarantees, and guarantees on capital market instruments (promissory notes, deferred payment checks, SME negotiable obligations) that enable Argentine SMEs to access bank credit they would not otherwise qualify for due to lack of collateral or credit history. The company also provides value chain financing products that allow large companies to extend guaranteed credit lines to their SME suppliers and customers, and offers digital guarantee products that require no counter-guarantee for monotributistas and self-employed professionals.
Is Garantizar a public or private company?
Garantizar is a private company. It is classified as management employee owned and is currently operating.
When was Garantizar founded?
Garantizar was founded in 1996. It employs 251 to 500 people.
Where is Garantizar based?
Garantizar is headquartered in Buenos Aires, Argentina, in the Latin America region.
How does Garantizar make money?
Four revenue lines are on record. Garantía Bancaria is the primary driver. The others are pagaré Bursátil y Cheques de Pago Diferido, garantía Comercial Digital and socios Protectores (Protective Partners).
Who are Garantizar's main competitors?
Regional players on record are FOGAPyME (Fondo de Garantías para PyMEs) and FOGABA (Fondo de Garantías Buenos Aires). Direct peers are Intergarantías SGR, Confianza SGR and Acindar SGR. Broad incumbents are Coface SA, BICE (Banco de Inversión y Comercio Exterior), Euler Hermes and Travelers Companies (Surety). IFC SME Ventures / SME Finance Forum is listed as an others.
Does Garantizar have an API?
No public API is recorded for Garantizar.
What industry is Garantizar in?
Garantizar's product category is SME Credit Guarantee Services. Its primary akta.pro industry code is FSAKAOAI, Guarantor/Co-Signer Consumer Loans. Its NAICS code is 522310 and its SIC code is 6351.