Fidi Toscana
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.
- Company typePrivate
- Founded1975
- HeadquartersFlorence, Italy
- Headcount11–50
- GTM typeB2B
- OfferingServices
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.
Fidi Toscana firmographics
Firmographics- 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
Fidi Toscana industry classification
Industry- 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
Where Fidi Toscana is headquartered
LocationHeadquarters
- HQ city
- Florence
- HQ country
- Italy
- HQ region
- Europe
Offices1 record
Markets served
Fidi Toscana business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- 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
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Guarantee fees vary by risk rating - lower risk enterprises pay lower commissions |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
Fidi Toscana product offering
Product offeringCore 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
Companies that use Fidi Toscana
Customer profileNamed customers2 records
Segments2 records
Ideal customer profiles2 records
Fidi Toscana technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Fidi Toscana partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core, major and minor.
- Regione ToscanacoreFidi 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 SanpaolocoreOne 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.
- UniCreditcoreOne 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)coreOne of 39 partner banks collaborating with Fidi Toscana to offer guarantee products to Tuscan SME clients.
- BPER BancacoreOne of 39 partner banks collaborating with Fidi Toscana to offer guarantee-backed financing to Tuscan businesses.
- ICCREA BancacoreOne of 39 partner banks collaborating with Fidi Toscana to offer guarantee products to Tuscan SME clients through the cooperative banking group.
- Credit Agricole ItaliacoreOne of 39 partner banks collaborating with Fidi Toscana to offer guarantee products to Tuscan businesses.
- BNP Paribas LeasecoreOne of 39 partner banks collaborating with Fidi Toscana to offer guarantee products to Tuscan businesses.
- SACEcoreSACE 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)coreFidi 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 1884coreBanca 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.
- ArtigiancreditocoreArtigiancredito 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)majorFidi 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.
- CoopfondminorCoopfond is among Fidi Toscana's partner institutions, supporting cooperative enterprises in accessing credit through Fidi Toscana's guarantee instruments.
- Confesercenti ToscanaminorConfesercenti 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)minorSICI 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
Fidi Toscana competitors and assessment
Company assessmentDirect 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
Fidi Toscana social profiles
Digital presenceFidi Toscana financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fidi Toscana leadership team
Management profileNumber of profiles
Profiles1 record
Fidi Toscana funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fidi Toscana 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 Fidi Toscana
What does Fidi Toscana do?
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.
Is Fidi Toscana a public or private company?
Fidi Toscana is a private company. It is classified as state government owned and is currently operating.
When was Fidi Toscana founded?
Fidi Toscana was founded in 1975. It employs 11 to 50 people.
Where is Fidi Toscana based?
Fidi Toscana is headquartered in Florence, Italy, in the Europe region.
How does Fidi Toscana make money?
One revenue line is on record: guarantee Commissions.
Who are Fidi Toscana's main competitors?
Direct peers on record are Finlombarda, Fincalabra, Artigiancredito, Cooperfidi Italia, Sviluppo Basilicata and Confidi Confesercenti. Broad incumbents are Mediocredito Centrale, Fondo di Garanzia per le PMI and SACE. Banca Cambiano 1884 is listed as a regional player.
Does Fidi Toscana have an API?
No public API is recorded for Fidi Toscana.
What industry is Fidi Toscana in?
Fidi Toscana's product category is SME Credit Guarantee and Financial Intermediary Services. Its primary akta.pro industry code is FSAEAEAM, Personal Loan & Unsecured Credit Intermediation, with a secondary code of FSAEAEAH, Hard Money & Private Mortgage Lending Intermediation. Its NAICS code is 522310 and its SIC code is 6163.