Consorzio Veneto Garanzie

What Consorzio Veneto Garanzie does

Consorzio Veneto Garanzie Società Cooperativa is an Italian mutual guarantee consortium (Confidi), founded in 1993 and headquartered in Mestre (Venice), Italy, supervised by the Bank of Italy under Article 106 of the T.U.B. since June 2016. The company provides first-demand guarantees and direct subsidized financing to micro, small and medium enterprises (PMI) across the Veneto region, serving approximately 18,000 direct member enterprises and a further 20,000+ enterprises through a network of nine second-degree Confidi partners. Its core products are split between guarantee instruments (short-term facilities such as overdrafts, export receivables, and VAT advances; medium/long-term guarantees for investments, liquidity, and debt restructuring) and direct subsidized lending (Comuni Fund at 0.70% interest, Fondo Unico Veneto Innovazione with up to 50% rate reduction, Nuova Sabatini, and Fondo Anticrisi). The consortium also manages public development-fund mandates on behalf of regional and national entities, including POR FESR, MISE, Veneto Innovazione, and the 2026 Vehicle Scrapping Fund with Unioncamere Veneto.

The operating model rests on three technical and contractual pillars. First, a proprietary internal credit rating system ("rating interno") combined with permanent position-monitoring prices guarantee commissions on actual credit risk, rewarding higher-rated borrowers with reduced fees. Second, a dense distribution network — five provincial/territorial offices (Mestre, Belluno, Treviso, Verona, Padova) and three named commercial referents — delivers relationship-led sales to SMEs. Third, twelve-plus conventioned banks (Unicredit, Intesa Sanpaolo, Banco BPM, Banca Sella, Credit Agricole Friuladria, BPER, MPS, Iccrea, Cassa Centrale Banca, Volksbank, Sparkasse, Banca di Cividale) and nine second-degree Confidi channel joint guarantee-and-loan offers into the market. Governance is cooperative: a Board of Directors presided over by Citron Mario, with Vito Sanfilippo as Director General and Giacomo Peraro as Vice Director General, and a Board of Statutory Auditors; ownership rests with member enterprises and the cooperative is registered as a mutualità prevalente (no profit motive).

Revenue is generated through three streams: (i) guarantee commissions on short-term and medium/long-term financing, structured as transaction-based fees; (ii) direct subsidized financing, primarily through regional programs; and (iii) management fees for handling public credit programs (POR FESR, MISE, regional development funds). Pricing is differentiated by internal credit rating and tied to specific subsidized programs, with Comuni Fund loans priced at 0.70% fixed annual interest, up to 80% guarantee coverage, no guarantee costs for the enterprise, and disbursement within fifteen days. Marketing is predominantly regional: corporate website, Facebook and LinkedIn presence, email newsletter, regional press coverage, and direct field-based commercial outreach. The consortium has actively expanded its public-fund intermediation mandate in 2026 with new partnerships targeting digital and ecological transition, women entrepreneurs, youth entrepreneurship, and rural diversification through GAL Alta Marca.

Name

Consorzio Veneto Garanzie

Legal name

Consorzio Veneto Garanzie Società Cooperativa

Website

https://venetogaranzie.it

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

11–50 employees

Short description

Consorzio Veneto Garanzie is an Italian mutual guarantee consortium (Confidi), supervised by the Bank of Italy, providing first-demand guarantees, direct subsidized financing, and public-fund management to SMEs across the Veneto region.

Ownership category

akta.pro rank

Product category

SME Credit Guarantee Services

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163), Short-Term Business Credit Institutions (6153)

akta.pro industry

PRIMARYFSAKAOAI

Guarantor/Co-Signer Consumer Loans

Financial & Insurance/Lending & Consumer Finance/Specialty & Subprime Consumer Lending

Keywords

• Mutual guarantee consortium
• SME credit guarantees
• Subsidized financing
• Confidi services
• Business credit access

Headquarters

HQ city

Venezia

HQ country

Italy

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Guarantee Commissions: Revenue generated from issuing guarantees on short-term and medium/long-term financing for member enterprises. The company acts as a mutual guarantee consortium (Confidi) providing first-demand guarantees to banks.
2. Direct Financing: Direct lending to enterprises at favorable rates, including subsidized financing through regional programs and public funds.
3. Public Fund Management: Management fees for handling subsidized credit programs including POR FESR funds, MISE funds, and regional development funds.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Consorzio Veneto Garanzie is a mutual guarantee consortium (Confidi) that issues first-demand guarantees on short-term and medium/long-term bank financing for member SMEs, complemented by direct subsidized lending and management of regional and national public credit programs. It also provides advisory services for credit access, risk monitoring, business plan preparation, and grant applications.

Product overview

Consorzio Veneto Garanzie operates as a financial cooperative (Confidi) providing a comprehensive suite of guarantee and financing products to support SMEs in the Veneto region. The core offering includes short-term guarantees (overdrafts, export financing, VAT advances) and medium-to-long-term guarantees for investments and debt consolidation. Direct financing products include Comuni Fund (municipality-backed loans at 0.70%), Special Plafond Banche (bank partnership programs), and subsidized credit through Fondo Unico Veneto Innovazione and Nuova Sabatini. The company also provides advisory services for credit access and public grants. The portfolio is complemented by regional and national grant programs managed on behalf of public entities.

Differentiator

Problem solved

Functional benefit

Products and services

• Garanzie Breve Termine Short-term first-demand guarantees covering account overdrafts, export receivables financing, VAT and tax advances, and 13th salary / holiday financing for member businesses.
• Garanzie Medio Lungo Termine Medium to long-term guarantees supporting business investments, liquidity needs, and debt consolidation/restructuring, including counter-guarantees from the Central Guarantee Fund.
• Speciali Plafond Banche Special financing plafonds created jointly with partner banks including BCC Verona, BCC Monastier e del Sile, Credit Agricole Friuladria, Banca Popolare dell'Alto Adige, and Intesa Sanpaolo, with consortium guarantees attached.
• Comuni Fund Direct subsidized financing in partnership with municipalities of the Veneto region: loans of 10,000-35,000 EUR at a 0.70% fixed annual rate, with up to 80% Confidi guarantee coverage, no guarantee costs, and no inquiry fees, for SMEs and professionals in participating municipalities.
• Fondo Unico Veneto Innovazione Regional revolving fund providing subsidized loans with up to 50% interest rate reduction versus the bank-applied rate, co-financed with banks for medium-long term investments, liquidity, and financial restructuring of SMEs in commerce, secondary, tertiary, and artisan sectors.
• Nuova Sabatini Government-subsidized financing for the purchase of new equipment, machinery, plants, hardware, software, and digital technologies, including Industry 4.0 and green investments, with a contributory rate of 2.75% (ordinary) or 3.575% (Industry 4.0 / green), calculated on a 5-year loan.
• Fondo Anticrisi Emergency revolving fund for subsidized loans to businesses affected by the COVID-19 economic crisis, for investments and financial support.
• Credito Diretto - Finanziamenti Agevolati Direct subsidized financing for liquidity needs under Regional resolutions DRG 1060 and DRG 102, managed in partnership with Regione Veneto.
• Servizi di Consulenza Advisory services for member enterprises covering financial needs analysis, risk monitoring, credit access consulting, business plan preparation, and assistance with public grant applications.

Quantifiable outcome

• Up to 80% guarantee coverage on financing amounts
• +2 more outcomes

Named customers2 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

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

• Camera di Commercio di Treviso-BellunomajorGTM or Marketing Partner · 8 July 2026Partnership for 2026 bando supporting double digital and ecological transition of SMEs. Contributions for digital transformation and energy efficiency available to businesses in the chamber's jurisdiction.
• Camera di Commercio di PadovamajorGTM or Marketing Partner · 29 June 2026Support for women entrepreneurs through grants for work-life balance harmonization. Applications accepted from June 29 to July 24, 2026.
• GAL Alta MarcaminorGTM or Marketing Partner · 16 June 2026Third edition of bando supporting launch of extra-agricultural entrepreneurial activities in GAL Alta Marca territory with lump-sum grants of 12,000 EUR.
• Unioncamere VenetocoreStrategic or Co-development Partner · 27 May 2026Collaboration agreement for the 2026 Vehicle Scrapping Fund (5 million EUR). Unioncamere Veneto provides technological expertise and territorial coverage to help businesses access these funds, overcoming bureaucratic barriers.
• Veneto InnovazionemajorGTM or Marketing Partner · 22 April 2026Reopened FSC Transition Fund window for product and process innovation investments aligned with Veneto's Smart Specialization Strategy (S3).
• Municipalities of Veneto RegioncoreStrategic or Co-development PartnerMultiple municipalities (Belluno, Treviso, Padova, Venezia provinces) contributing economic resources to the Comuni Fund for credit access support to local enterprises, with financing at 0.70% interest rate.
• UnicreditmajorChannel Partner/ Reseller/ DistributorConventioned bank providing financing with consortium guarantees for member enterprises.
• Banca SellamajorChannel Partner/ Reseller/ DistributorConventioned bank providing financing with consortium guarantees.
• Banco BPMmajorChannel Partner/ Reseller/ DistributorConventioned bank providing financing with consortium guarantees.
• Intesa SanpaolomajorChannel Partner/ Reseller/ DistributorConventioned bank providing financing with consortium guarantees.
• Banca Popolare dell'Alto Adige (Volksbank)majorChannel Partner/ Reseller/ DistributorConventioned bank providing financing with consortium guarantees.
• Credit Agricole FriuladriamajorChannel Partner/ Reseller/ DistributorConventioned bank providing financing with consortium guarantees.
• Iccrea BancamajorChannel Partner/ Reseller/ DistributorConventioned bank providing financing with consortium guarantees.
• Cassa di Risparmio di Bolzano (Sparkasse)majorChannel Partner/ Reseller/ DistributorConventioned bank providing financing with consortium guarantees.
• Banca Monte dei Paschi di SienamajorChannel Partner/ Reseller/ DistributorConventioned bank providing financing with consortium guarantees.
• Cassa Centrale BancamajorChannel Partner/ Reseller/ DistributorConventioned bank providing financing with consortium guarantees.
• Banca di CividalemajorChannel Partner/ Reseller/ DistributorConventioned bank providing financing with consortium guarantees.
• BPER BancamajorChannel Partner/ Reseller/ DistributorConventioned bank providing financing with consortium guarantees.
• Artigianfidi Nuoro Società CooperativaminorChannel Partner/ Reseller/ DistributorSecond-degree Confidi member providing services and guarantees to associated enterprises.
• Cofidi Veneto Società CooperativaminorChannel Partner/ Reseller/ DistributorSecond-degree Confidi member providing services and guarantees to associated enterprises.
• Consorzio Fidi FinartminorChannel Partner/ Reseller/ DistributorSecond-degree Confidi member providing services and guarantees to associated enterprises.
• Eleonora Fidi Società CooperativaminorChannel Partner/ Reseller/ DistributorSecond-degree Confidi member providing services and guarantees to associated enterprises.
• Fidart Venezia Società CooperativaminorChannel Partner/ Reseller/ DistributorSecond-degree Confidi member providing services and guarantees to associated enterprises.
• Fidarti Società Cooperativa Artigiana Di GaranziaminorChannel Partner/ Reseller/ DistributorSecond-degree Confidi member providing services and guarantees to associated enterprises.
• Fidiprof Società CooperativaminorChannel Partner/ Reseller/ DistributorSecond-degree Confidi member providing services and guarantees to associated enterprises.
• Società Cooperativa di Garanzia Agno-ChiampominorChannel Partner/ Reseller/ DistributorSecond-degree Confidi member providing services and guarantees to associated enterprises.
• Confidi Fidi ImpreseminorChannel Partner/ Reseller/ DistributorSecond-degree Confidi member providing services and guarantees to associated enterprises.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Federconfidi: Federconfidi is the national federation of Italian Confidi, representing mutual guarantee institutions including those serving SMEs. It is a representative body for the same category of entities as Consorzio Veneto Garanzie.
• Garanzia Etica: Garanzia Etica is an Italian ethical mutual guarantee consortium providing credit guarantees to SMEs and social enterprises, comparable in Confidi structure, mutual guarantee model, and SME focus.
• Confidi Systema: Confidi Systema is an Italian second-degree Confidi network providing credit guarantees and coordinated services to member Confidi and their SME members — directly comparable as a cooperative mutual guarantee consortium operating at the same institutional level as Consorzio Veneto Garanzie.
• Eurofidi: Eurofidi is a Piedmont-based Confidi providing mutual guarantees and credit support to SMEs, directly comparable to Consorzio Veneto Garanzie in mutual guarantee structure, SME focus, and Bank of Italy supervision.
• Confapi Confidi: Confapi Confidi is a mutual guarantee consortium affiliated with Confapi (Italian SME association), providing first-demand guarantees to banks for member SMEs — directly comparable in cooperative Confidi model and SME guarantee focus.
• Confeserfidi: Confeserfidi is a Sicilian Confidi providing credit guarantees and access to bank financing for SMEs, comparable in mutual guarantee consortium model, member-owned cooperative structure, and SME credit intermediation.
• Cofiter Confidi: Cofiter is an Italian Confidi (Tuscany-based) providing mutual credit guarantees to SMEs and artisans, directly comparable in cooperative mutual guarantee model, member-owned structure, and SME credit support focus.

Broad incumbents

• Mediocredito Centrale: Mediocredito Centrale is an Italian state-owned financial institution managing the Central Guarantee Fund (Fondo Centrale di Garanzia) for SMEs, a broader incumbent that the company partners with for counter-guarantees and that competes for the same SME credit guarantee mandate.
• Artigiancassa: Artigiancassa is a BPER Group bank specialized in financing artisans and SMEs, offering credit and guarantee products that overlap with Consorzio Veneto Garanzie's offering but as a larger, broader financial institution.

Regional players

• ISMEA: ISMEA is a public Italian entity providing guarantees and subsidized financing to agricultural and agri-food SMEs, a comparable public-sector guarantee institution in the Italian SME financing ecosystem (different sector focus but same institutional role).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/ConsorzioVenetoGaranzie
• LinkedInlinkedin.com/company/consorzio-veneto-garanzie
• Xx.com/venetogaranzie

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries3 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 Consorzio Veneto Garanzie