Fidicom
Fidicom is an Italian cooperative credit guarantee consortium (confidi) founded in 1979 that issues bank credit guarantees and provides credit facilitation services to 3,000+ micro and small enterprises, professionals, and specialized sports/cultural and agricultural sectors across Lombardy, Marche, and Lazio.
- Company typePrivate
- Founded1979
- HeadquartersCrema, Italy
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Fidicom does
Fidicom (legal name: FIDICOM Garanzia al Credito 1979 Società Cooperativa) is an Italian cooperative credit guarantee consortium (confidi) founded in 1979, formed from the merger of four confidi cooperatives. Headquartered in Crema with legal seat in Lodi, the company operates six offices across Lombardy, Marche, and Lazio and serves more than 3,000 micro and small enterprise members plus professionals. Its core offering, Garanzia al Credito, consists of issuing guarantees on bank credit facilities to facilitate access to financing for SMEs that lack sufficient collateral or credit history. The company acts as an intermediary between enterprises and a network of 15+ conventioned banks (Banco BPM, UBI Banca, Crédit Agricole, BPER, Monte dei Paschi, BNL, Artigiancassa, MediocreditoCentrale, and the BCC cooperative banking network), and layers its guarantees on top of public counter-guarantee schemes including the Fondo Centrale di Garanzia per le PMI, ISMEA-SGFA for agriculture, and the Sports Facility Guarantee Fund (in partnership with Istituto per il Credito Sportivo since 2018).
The company's business model is fee-based and transaction-driven. Revenue streams include risk-based guarantee commissions (0.70% to 1.80% depending on CRIF Credit Bureau Score risk class, with surcharges for high-coverage guarantees), processing fees (spese di istruttoria: €150 flat under €25,000, €300 between €25,001-€50,000, 1% with €1,500 cap above €50,000), secretarial fees (0.15%, capped at €225), and recurring membership fees (€25 social quota, €150 admission, €50 annual reconciliation). Fidicom relies on the CRIF/Sprint 2.0 platform and CRIF Credit Bureau Score for risk assessment — no proprietary technology stack is disclosed. Beyond guarantees, the company offers credit advisory, facilitation in selecting optimal financing sources, direct assistance in credit facility arrangements, and specialized advisory services for the sports/cultural and agricultural sectors.
Distribution is hybrid: direct face-to-face assistance at six regional offices, referral-driven acquisition through conventioned banks and the Sistema Impresa territorial network, co-guarantee partnerships with ICS and ISMEA-SGFA, and participation in industry events. Revenue predictability is anchored by recurring membership reconciliation commissions and a steady pipeline of SME guarantee requests, though loan demand is correlated with regional economic cycles in Lombardy, Marche, and Lazio. The company has received two government grants in 2018-2019 (€88,470.93 for anti-usury prevention and €273,998.06 for SME support), which represent episodic public funding rather than core operating revenue.
Fidicom firmographics
Firmographics- Name
- Fidicom
- Legal name
- FIDICOM Garanzia al Credito 1979 Società Cooperativa
- Website
- https://fidicom.it
- Company type
- Private
- Founded year
- 1979
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Fidicom is an Italian cooperative credit guarantee consortium (confidi) founded in 1979 that issues bank credit guarantees and provides credit facilitation services to 3,000+ micro and small enterprises, professionals, and specialized sports/cultural and agricultural sectors across Lombardy, Marche, and Lazio.
- Ownership category
- akta.pro rank
Fidicom industry classification
Industry- Product category
- SME Credit Guarantee Services
- NAICS
- Other Nondepository Credit Intermediation (52229)
- SIC
- Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)
Keywords
Where Fidicom is headquartered
LocationHeadquarters
- HQ city
- Crema
- HQ country
- Italy
- HQ region
- Europe
Offices6 records
Markets served
Fidicom business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Guarantee Commissions: Annual commissions calculated as a percentage of the financed amount, based on the risk profile expressed by CRIF Credit Bureau Score. Commissions are charged at disbursement or when credit is made available.
- Processing Fees (Spese di Istruttoria): One-time fees for loan guarantee evaluation, ranging from €150 to 1% of financing amount (max €1,500) depending on loan size. Also applicable for ISMEA-SGFA agricultural financing cases.
- Membership Fees: Social quota of €25 and admission fee of €150 for new members. Annual reconciliation commission of €50 for guarantee position management.
- Secretarial Fees (Diritti di Segreteria): 0.15% of financing amount for requests exceeding €50,000, capped at €225 maximum.
- Social Quotas: 5% of disbursed financing amount, charged at disbursement. Applicable for maintaining membership status.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | New Member Registration |
| Transaction based/ take rate | Pay-as-you-go | Loan Guarantee Processing - Under €25,000 |
| Transaction based/ take rate | Pay-as-you-go | Loan Guarantee Processing - €25,001 to €50,000 |
| Transaction based/ take rate | Pay-as-you-go | Loan Guarantee Processing - Above €50,000 |
| Subscription | Annual | Annual Position Reconciliation |
| Transaction based/ take rate | Pay-as-you-go | Guarantee Commission by Risk Class |
| Transaction based/ take rate | Pay-as-you-go | ISMEA-SGFA Agricultural Financing Processing |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels5 records
Fidicom product offering
Product offeringCore offering
Fidicom is an Italian cooperative credit guarantee consortium (confidi) that issues guarantees on bank credit facilities to improve access to financing for micro and small enterprises, professionals, and specific sectors such as sports, culture, and agriculture. The company acts as an intermediary between businesses and banking institutions, providing credit guarantees, advisory services on credit matters and financial incentives, and direct assistance in preparing credit applications. It also offers specialized guarantees through programs such as the Anti-Usury Prevention Fund and ISMEA-SGFA for agricultural enterprises.
Product overview
Fidicom is a cooperative credit guarantee company (confidi) serving micro and small enterprises in Italy. The company operates as a unified platform offering core credit guarantee services that facilitate access to bank financing for member businesses. The product portfolio centers on the Garanzia al Credito (Credit Guarantee Services) as the core offering, supported by advisory services in credit and financial facilitation, and supplemented by sector-specific solutions including Sport and Culture services. Fidicom provides various financing products including short-term credit facilities, medium/long-term investments, and specialized guarantees such as the Anti-Racket and Anti-Usury Prevention Fund and ISMEA-SGFA agricultural guarantees. The company works with an extensive network of conventional banks and credit institutions, issuing guarantees that improve the bank-enterprise relationship and facilitate credit access.
Differentiator
Problem solved
Functional benefit
Products and services
- Garanzia al Credito (Credit Guarantee Services) Core credit guarantee services for micro and small enterprises (confidi). Issues guarantees on bank credit facilities to improve access to financing, acting as intermediary between businesses and banking institutions.
- Affidamenti a Breve (Short-term Credit Facilities Guarantee)
Quantifiable outcome
- 3000+ member enterprises served
- +1 more outcomes
Companies that use Fidicom
Customer profileNamed customers10 records
Segments5 records
Ideal customer profiles4 records
Fidicom technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Fidicom partnerships and signals
Strategic signalPartnerships
18 partnerships are on record, tiered core and minor.
- Istituto per il Credito Sportivo (ICS)coreConvention signed on October 12, 2018 between ICS President Andrea Abodi and Fidicom CEO Umberto Pirelli to co-guarantee interventions of the Sports Facility Guarantee Fund supporting ICS financing for construction, renovation, expansion, compliance, and energy efficiency of sports facilities, especially for base and amateur sports. The partnership also strengthens guarantees in the cultural sector where the Sports Facility Guarantee Fund does not operate, and allows intervention for ecclesiastical entities and religious institutions.
- Banco BPMcoreConventioned bank partner providing financing with Fidicom guarantee backing
- UBI BancacoreConventioned bank partner providing financing with Fidicom guarantee backing
- Crédit AgricolecoreConventioned bank partner providing financing with Fidicom guarantee backing
- Banca Popolare dell'Emilia Romagna (BPER)coreConventioned bank partner providing financing with Fidicom guarantee backing
- Monte dei Paschi di SienacoreConventioned bank partner providing financing with Fidicom guarantee backing
- BNLcoreConventioned bank partner providing financing with Fidicom guarantee backing
- ArtigiancassacoreConventioned intermediary for artisan credit financing with Fidicom guarantee backing
- Banca del Mezzogiorno MediocreditoCentralecoreConventioned bank partner for Southern Italy financing with Fidicom guarantee backing
- Banca Popolare di Puglia e BasilicatacoreConventioned bank partner for Southern Italy financing with Fidicom guarantee backing
- Fondo di Garanzia per le PMIcoreCounter-guarantee partner providing coverage for SME financing guaranteed by Fidicom. Enables enhanced guarantee capacity for member enterprises.
- ISMEAcoreAgricultural financing guarantee (SGFA) partner enabling Fidicom to provide co-guarantees for agricultural enterprises seeking financing up to €1M+
- Federazione Marchigiana delle BCCcoreFederation of Cooperative Banks in Marche region, conventioned for guarantee-backed financing
- Confidicoop MarcheminorConvention with all national credit institutions for integrated guarantee services
- Sistema ImpresacorePrimary organizational partner providing territorial representation and member referral network across multiple Italian regions
- FormaziendaminorTraining fund partner providing professional development support for member enterprises
- EbitenminorTerritorial services network hosting Fidicom local office in Cremona and providing meeting facilities
- Sistema CreditominorCredit system network partner for coordinated guarantee services
Scale indicators4 records
Recent moves5 records
Expansion highlights5 records
Fidicom competitors and assessment
Company assessmentDirect peers
- Confeserfidi: Italian mutual guarantee consortium affiliated with Confesercenti, providing SME credit guarantees with bank conventioning — same cooperative model and revenue mechanics as Fidicom.
- Eurofidi: Italian confidi issuing bank credit guarantees for SMEs with regional conventioned-bank networks; direct peer in product (credit guarantees), business model (mutual cooperative), and target member profile.
- Artigiancredito: Italian confidi focused on artisan-sector credit guarantees in Friuli-Venezia Giulia with similar conventioned-bank model; comparable in target segment (artisans, micro-enterprises) and revenue mechanics (guarantee commissions).
- Ascomfidi: Confidi affiliated with Confcommercio serving Italian retail and service SMEs with bank-guarantee intermediation; structurally identical to Fidicom's Garanzia al Credito offering for micro and small enterprises.
- Cooperfidi Italia: Federation of Italian cooperative credit guarantee consortia; comparable as a confidi operator offering pooled guarantees to member cooperatives via bank partnerships — direct overlap with Fidicom's mutual model.
- Confidi PMI: Italian mutual credit guarantee consortium serving SMEs and professionals; directly comparable to Fidicom in cooperative structure, member-based guarantee issuance, and conventioned-bank distribution model.
- Fidi Impresa & Turismo: Italian confidi serving SMEs and tourism operators with credit guarantees and bank intermediation; directly comparable in member-based guarantee products and conventioned-bank distribution.
Emerging players
- ISMEA (Istituto di Servizi per il Mercato Agricolo Alimentare): Italian government agency administering SGFA agricultural credit guarantees; partially comparable as a public guarantee provider where Fidicom already acts as co-guarantor for agricultural financing.
Broad incumbents
- Coface: Global credit insurance and trade credit management firm; comparable as a larger incumbent offering trade-credit and receivables-related guarantee products to businesses, though at much larger scale and broader product scope.
- Mediocredito Centrale (Banca del Mezzogiorno): State-owned Italian bank focused on SME and Southern Italy credit facilitation including counter-guarantees; broader incumbent operating in the same guarantee/credit-access space as a channel partner to Fidicom.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Fidicom social profiles
Digital presenceFidicom financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fidicom leadership team
Management profileNumber of profiles
Profiles1 record
Fidicom funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fidicom 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 Fidicom
What does Fidicom do?
Fidicom is an Italian cooperative credit guarantee consortium (confidi) that issues guarantees on bank credit facilities to improve access to financing for micro and small enterprises, professionals, and specific sectors such as sports, culture, and agriculture. The company acts as an intermediary between businesses and banking institutions, providing credit guarantees, advisory services on credit matters and financial incentives, and direct assistance in preparing credit applications. It also offers specialized guarantees through programs such as the Anti-Usury Prevention Fund and ISMEA-SGFA for agricultural enterprises.
Is Fidicom a public or private company?
Fidicom is a private company. It is classified as management employee owned and is currently operating.
When was Fidicom founded?
Fidicom was founded in 1979. It employs 11 to 50 people.
Where is Fidicom based?
Fidicom is headquartered in Crema, Italy, in the Europe region.
How does Fidicom make money?
Five revenue lines are on record. Guarantee Commissions are the primary driver. The others are processing Fees (Spese di Istruttoria), membership Fees, secretarial Fees (Diritti di Segreteria) and social Quotas.
Who are Fidicom's main competitors?
Direct peers on record are Confeserfidi, Eurofidi, Artigiancredito, Ascomfidi, Cooperfidi Italia, Confidi PMI and Fidi Impresa & Turismo. ISMEA (Istituto di Servizi per il Mercato Agricolo Alimentare) is listed as an emerging player. Broad incumbents are Coface and Mediocredito Centrale (Banca del Mezzogiorno).
Does Fidicom have an API?
No public API is recorded for Fidicom.
What industry is Fidicom in?
Fidicom's product category is SME Credit Guarantee Services. Its primary akta.pro industry code is FSAEAEAM, Personal Loan & Unsecured Credit Intermediation. Its NAICS code is 52229 and its SIC code is 6159.