Garantizar

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

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

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

• SME credit guarantees
• Mutual guarantee society
• Bank guarantee services
• SME financing solutions
• Check discounting services

Headquarters

HQ city

Buenos Aires

HQ country

Argentina

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. 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.
2. 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.
3. Garantía Comercial Digital: Fees for digital commercial guarantees that extend credit lines between large companies and their SME supplier/customer communities.
4. 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

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core 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

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core.

• Banco 1coreChannel Partner/ Reseller/ DistributorOne of 30+ banking institutions that operate with Garantizar for issuing guarantees to PyMEs, enabling SME access to credit through Garantizar's guarantee backing.
• Banco 22coreChannel Partner/ Reseller/ DistributorOne of 30+ banking institutions that operate with Garantizar for issuing guarantees to PyMEs, enabling SME access to credit through Garantizar's guarantee backing.
• Banco 15coreChannel Partner/ Reseller/ DistributorOne 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)coreChannel Partner/ Reseller/ DistributorNetwork 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

Regional 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

• Xx.com/garantizar
• YouTubeyoutube.com/@GarantizarOK
• Facebookfacebook.com/Garantizar
• LinkedInlinkedin.com/company/garantizar-sgr
• Instagraminstagram.com/garantizarsgr

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Garantizar