Fidi Toscana

What Fidi Toscana does

Fidi Toscana S.p.A. is a regional Italian financial intermediary (Intermediario Finanziario ex art. 106 TUB) established in 1975 at the initiative of Regione Toscana and the principal local banking institutions. The company operates exclusively within the Tuscany region as the regional government's financial arm, with its headquarters in Florence at Viale Mazzini 46. Its core function is to facilitate access to bank credit for SMEs, professionals, and third-sector entities by issuing guarantees that reduce collateral requirements for borrowers and rebalance risk for partner banks.

The company's product portfolio centers on financial guarantees — including first-demand guarantees backed by the national Fondo di Garanzia per le PMI, subsidiary guarantees, liquidity guarantees providing up to 80% coverage, surety bonds for advances on public contributions, and sector-specific products such as a 2026 agricultural-sector guarantee — alongside advisory services (Smart Credit and Smart Credit Plus) that assist borrowers with credit access strategy and finance management. The underlying technical differentiator is a proprietary internal credit rating system that evaluates counterparty default risk and sets commission rates accordingly, supported by counter-guarantee from the national SME Guarantee Fund and integration with EU blending programs via a partnership with the European Investment Bank (BEI).

Fidi Toscana earns revenue through transaction-based commissions calculated as a percentage of the disbursed loan amount, billed only when the partner bank successfully disburses the guaranteed financing (no upfront membership or application fees). Distribution is entirely indirect: the company embeds its guarantee products inside the lending processes of a network of 39 partner banks operating in Tuscany — including Intesa Sanpaolo, UniCredit, MPS, BPER Banca, ICCREA, Credit Agricole, BNP Paribas Lease, and SACE — supplemented by direct advisory consultations, bank referrals, and limited digital presence via LinkedIn and the company blog. The model is relationship-driven and advisory rather than digital or product-led.

Name

Fidi Toscana

Legal name

Fidi Toscana S.p.A.

Website

https://fiditoscana.it

Company type

Private

Founded year

1975

Operating status

Operating

Headcount range

11–50 employees

Short description

Fidi Toscana S.p.A. is a Tuscany-based Italian financial intermediary, established in 1975 by Regione Toscana, that issues credit guarantees and advisory services to SMEs, professionals, and third-sector entities. It distributes guarantees exclusively through a network of 39 partner banks and earns transaction-based commissions on disbursed loans.

Ownership category

akta.pro rank

Product category

SME Credit Guarantee and Financial Intermediary Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Other Nondepository Credit Intermediation (52229), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163), Surety Insurance (6351)

akta.pro primary industry

Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)

akta.pro secondary industry

Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)

Keywords

• SME credit guarantees
• Financial intermediary services
• Regional development finance
• Bank loan guarantees
• Microcredit and advisory

Headquarters

HQ city

Florence

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, Infrastructure

Revenue model

1. Guarantee Commissions: Fidi Toscana charges commission fees calculated as a percentage of the loan amount disbursed by the bank. The commission is paid in a single lump sum by the customer. If the bank does not disburse the guaranteed financing, the customer incurs no cost. Commission rates are risk-based, varying according to the company's internal credit rating.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Fidi Toscana is a regional financial intermediary that helps Tuscan SMEs, professionals, and third-sector entities access bank credit. It issues credit guarantees (up to 80% coverage, often counter-guaranteed by the national Fondo di Garanzia per le PMI) and surety bonds for advances on public contributions, and it provides credit-access and corporate finance consulting (Smart Credit, Smart Credit Plus). Guarantees are embedded inside the loan offerings of 39 partner banks operating in Tuscany, and Fidi Toscana earns risk-based commission fees only upon successful loan disbursement.

Product overview

Fidi Toscana is a regional financial services company established in 1975 that operates as a financial intermediary (Intermediario Finanziario ex art. 106 TUB) to facilitate credit access for businesses in Tuscany. The company offers a portfolio of financial guarantee products including first-demand guarantees, subsidiary guarantees, liquidity guarantees backed by the SME Guarantee Fund (Fondo di Garanzia PMI), and sector-specific guarantees for agriculture. These guarantee products are designed to help SMEs and third sector organizations access bank financing with reduced collateral requirements. In parallel, Fidi Toscana provides consulting services through its Smart Credit and Smart Credit Plus offerings, which assist businesses with credit access strategy and enterprise finance management. The company also manages regional programming measures on behalf of the Tuscany Region, including EU blending programs with the European Investment Bank (BEI).

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Up to 80% guarantee coverage for Tuscan SMEs in 2025
• +1 more outcomes

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

16 partnerships are on record, tiered core, major and minor.

• Regione ToscanacoreStrategic or Co-development Partner · 1 January 1975Fidi Toscana was established in 1975 on the initiative of Regione Toscana. The regional government is the founding and principal institutional backer of the company, which acts as the regional financial arm for implementing regional programming and promoting sustainable development of Tuscan businesses.
• Intesa SanpaolocoreChannel Partner/ Reseller/ DistributorOne of 39 partner banks collaborating with Fidi Toscana to offer guarantee-backed financing to Tuscan SMEs. The partnership enables Fidi Toscana's guarantee instruments to be embedded in Intesa Sanpaolo's lending products.
• UniCreditcoreChannel Partner/ Reseller/ DistributorOne of 39 partner banks collaborating with Fidi Toscana to offer guarantee-backed financing to Tuscan SMEs through the bank's lending channels.
• Monte dei Paschi di Siena (MPS)coreChannel Partner/ Reseller/ DistributorOne of 39 partner banks collaborating with Fidi Toscana to offer guarantee products to Tuscan SME clients.
• BPER BancacoreChannel Partner/ Reseller/ DistributorOne of 39 partner banks collaborating with Fidi Toscana to offer guarantee-backed financing to Tuscan businesses.
• ICCREA BancacoreChannel Partner/ Reseller/ DistributorOne of 39 partner banks collaborating with Fidi Toscana to offer guarantee products to Tuscan SME clients through the cooperative banking group.
• Credit Agricole ItaliacoreChannel Partner/ Reseller/ DistributorOne of 39 partner banks collaborating with Fidi Toscana to offer guarantee products to Tuscan businesses.
• BNP Paribas LeasecoreChannel Partner/ Reseller/ DistributorOne of 39 partner banks collaborating with Fidi Toscana to offer guarantee products to Tuscan businesses.
• SACEcoreChannel Partner/ Reseller/ DistributorSACE is among Fidi Toscana's 39 partner institutions, contributing to the guarantee ecosystem for Tuscan SMEs.
• Fondo di Garanzia per le PMI (National SME Guarantee Fund)coreStrategic or Co-development PartnerFidi Toscana leverages the public Fondo di Garanzia per le PMI (L. 662/96) to obtain counter-guarantees on guarantees issued in favor of SMEs, reducing the risk exposure of individual guarantee operations and enabling higher guarantee coverage.
• Banca Cambiano 1884coreChannel Partner/ Reseller/ DistributorBanca Cambiano 1884 is among Fidi Toscana's 39 partner banks, offering guaranteed credit products including the Azione 1.3.2. 'Garanzia Costo Zero' program for Tuscan SMEs.
• ArtigiancreditocoreChannel Partner/ Reseller/ DistributorArtigiancredito is a partner institution offering Fidi Toscana's guarantee products under the Azione 1.3.2. Sostegno alle PMI program of Regione Toscana.
• European Investment Bank (BEI)majorStrategic or Co-development PartnerFidi Toscana has a EU blending partnership with the European Investment Bank (BEI), offering guaranteed financing programs that combine EU resources with regional guarantees for Tuscan businesses.
• CoopfondminorStrategic or Co-development PartnerCoopfond is among Fidi Toscana's partner institutions, supporting cooperative enterprises in accessing credit through Fidi Toscana's guarantee instruments.
• Confesercenti ToscanaminorChannel Partner/ Reseller/ DistributorConfesercenti Toscana is among Fidi Toscana's partner organizations, facilitating access to Fidi Toscana's financial products for associated businesses.
• SICI (Società Italiana di Consulenza Italiana)minorStrategic or Co-development PartnerSICI is a consulting partner referenced in Fidi Toscana's institutional network, contributing expertise to the financial services ecosystem.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Finlombarda: Lombardy regional finance company supporting SME access to credit via guarantees and subsidized instruments. Closest model match to Fidi Toscana given regional scope, public sponsorship, and guarantee-focused product mix.
• Fincalabra: Calabria's regional financial company (finanziaria regionale) providing guarantees and advisory to local SMEs. Direct structural peer — same model, same regulatory status (art. 106 TUB), different region.
• Artigiancredito: Tuscan cooperative financial intermediary specialized in artisan and SME credit access. Direct peer — same region, similar guarantee and advisory offerings, and already a Fidi Toscana channel partner.
• Cooperfidi Italia: Italian cooperative credit mutual guarantee consortium providing guarantees to cooperative enterprises, including in Tuscany. Comparable business model targeting SME credit access via mutual guarantee instruments.
• Sviluppo Basilicata: Basilicata's in-house financial company providing credit, guarantees, and advisory to regional SMEs. Comparable as a public regional financial intermediary operating under similar Italian frameworks.
• Confidi Confesercenti: Mutual guarantee consortium affiliated with Confesercenti serving SMEs and professionals. Comparable model — pooling SME credit risk and issuing guarantees to member businesses, partially overlapping Fidi Toscana's target segments.

Broad incumbents

• Mediocredito Centrale: Public bank managing the national Fondo di Garanzia PMI. Comparable as a public institution intermediating SME guarantee instruments at scale; broader national footprint versus Fidi Toscana's regional remit.
• Fondo di Garanzia per le PMI: Italy's national public SME guarantee fund managed by Mediocredito Centrale. Directly comparable as a guarantee counterparty for SME credit access, though national in scope rather than regional. Fidi Toscana leverages this fund for counter-guarantees on its own issuances.
• SACE: Italy's export and growth insurance and financial services group, also active in SME credit guarantees and partner of Fidi Toscana. Comparable as a public-backed credit support institution serving Italian SMEs.

Regional players

• Banca Cambiano 1884: Tuscan cooperative bank offering guarantee-backed SME credit products including Fidi Toscana's 'Garanzia Costo Zero'. Comparable as a regional credit provider operating in the same geographic market with overlapping products.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInit.linkedin.com/company/fidi-toscana---s.p.a.

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Fidi Toscana