Confidi Coopcredito
Confidi Coopcredito is an Abruzzo-based Italian cooperative credit-guarantee consortium (confidi) affiliated with Confesercenti, providing financial guarantees and credit intermediation to over 8,000 SME members through 13-14 branches and ~20 banking conventions. The company entered formal liquidation in 2022 and is currently being wound down by its Liquidator.
- Company typePrivate
- Founded1989
- HeadquartersChieti, Italy
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Confidi Coopcredito does
Confidi Coopcredito (legal name Coopcredito Soc. Coop. a r.l.) is an Italian cooperative credit-guarantee consortium (confidi) founded in 1989 and headquartered in Chieti, Abruzzo, affiliated with the Confesercenti Abruzzo trade association. The company provides financial guarantees and intermediation services that enable small and medium enterprises in the Abruzzo region to access bank credit on more favorable terms, including interest-rate reductions of up to three percentage points under regional Law 39 and 50-80% guarantee coverage on qualifying loans. Its member base historically exceeded 8,000 SMEs (soci), supported by 13-14 branch offices across the four Abruzzo provinces and conventions with approximately 20 banking institutions including BPER, UniCredit, Intesa Sanpaolo, Monte dei Paschi di Siena, Artigiancassa-BNL and several BCC cooperative banks.
The product portfolio spans a core financing-guarantee product, microcredit (up to €25,000-€35,000 via the Central Guarantee Fund and a dedicated €5M regional Microcredito Confesercenti fund), startup credit (Credimpresa Startup, up to €15,000), seasonal and artisan financing (Prestimpresa Estare, up to €75,000), short-term credit lines (Tredicesime, up to €75,000-€250,000), fresh-products working capital (up to €25,000), tourism financing under Law 77/2000, the Business Gemma women's entrepreneurship line (under a national €600M plafond), and intermediation on regional public funds (POR-FESR via FIRA, Par-Fas). Through network contracts with Italia Comfidi (from January 2016) and CommerFin/CommerfiNet (from 2017), the cooperative gained access to national second-level guarantee capacity and Stability Law 2014 funding (€250M plafond). Outstanding financing facilitated historically exceeded €80 million.
The revenue model combines a one-time €250 membership social quota, a €103 secretary fee per financing processed, and guarantee commissions on the underlying loan book. The company is structured as a cooperativa a responsabilità limitata with 11-50 employees and is positioned as the fourth-largest confidi among major Abruzzo confidi. Critically, the company entered formal liquidation in 2022 with Claudio Di Girolamo serving as Liquidator; subsequent Liquidator communications and extraordinary shareholder assemblies were still being issued through 2024 and 2025, indicating an active wind-down of operations rather than ongoing growth.
Confidi Coopcredito firmographics
Firmographics- Name
- Confidi Coopcredito
- Legal name
- Coopcredito Soc. Coop. a r.l.
- Website
- https://www.coopcredito.it
- Company type
- Private
- Founded year
- 1989
- Operating status
- Closed
- Headcount range
- 11–50 employees
- Short description
- Confidi Coopcredito is an Abruzzo-based Italian cooperative credit-guarantee consortium (confidi) affiliated with Confesercenti, providing financial guarantees and credit intermediation to over 8,000 SME members through 13-14 branches and ~20 banking conventions. The company entered formal liquidation in 2022 and is currently being wound down by its Liquidator.
- Ownership category
- akta.pro rank
Confidi Coopcredito industry classification
Industry- Product category
- Credit Guarantee Services
- NAICS
- Activities Related to Credit Intermediation (5223), Nondepository Credit Intermediation (5222)
- SIC
- Loan Brokers (6163), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Public Mortgage Insurance & Government Credit Guarantee Programs (FSALAKAD)
Keywords
Where Confidi Coopcredito is headquartered
LocationHeadquarters
- HQ city
- Chieti
- HQ country
- Italy
- HQ region
- Europe
Offices7 records
Markets served
Confidi Coopcredito business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure
Revenue model
- Membership fees: One-time social quota of €250 for membership to Coopcredito cooperative
- Secretary fees: €103 per financing processed
- Guarantee commissions: Commission income from guaranteeing bank loans for member SMEs
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Standard membership with access to all credit guarantee services |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels3 records
Confidi Coopcredito product offering
Product offeringCore offering
Confidi Coopcredito is a credit guarantee consortium (confidi) operating in the Abruzzo region of Italy, providing financial guarantees and credit access services to small and medium enterprises. The consortium offers guarantee coverage of 50-80% on bank loans, enabling member SMEs to access bank financing at reduced interest rates through conventions with approximately 20 banking institutions. It also distributes specialized financing products including startup credit, microcredit, tourism financing, and regional subsidized programs (POR-FESR, Par-Fas).
Product overview
Confidi Coopcredito is a credit guarantee consortium (confidi) operating in Abruzzo, Italy, providing financial guarantees and credit access services to small and medium enterprises. The organization offers a portfolio of guarantee products including core financing guarantees (50-80% coverage), specialized products for startups (Credimpresa Startup up to €15,000), microcredit programs (up to €25,000-€35,000), and regional fund products (Par-Fas, Por-Fesr). Sector-specific offerings include tourism financing under Legge 77/2000, seasonal business financing (Prestimpresa Estare), and women's entrepreneurship support (Business Gemma). The company maintains conventions with approximately 19-20 banking institutions and is currently in liquidation proceedings.
Differentiator
Problem solved
Functional benefit
Products and services
- Garanzia Finanziamenti (Financing Guarantee)
- Credimpresa Startup
- Par-Fas Financing
- Prestimpresa Estare 2013
- Prodotti Freschi (Fresh Products Financing)
- Microcredito Fondo di Garanzia
- Business Gemma
- Legge 77/2000 Tourism Financing
- Por-Fesr Financing
- Microcredito Confesercenti
- Sportello Facile
Quantifiable outcome
- Up to 3 percentage points interest rate reduction through regional law 39
- +3 more outcomes
Companies that use Confidi Coopcredito
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles3 records
Confidi Coopcredito technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Confidi Coopcredito partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered flagship, core and major.
- Italia ComfidiflagshipEntered into network contract with Italia Comfidi, Italy's largest associative confidi. Creates Confesercenti Abruzzo network as hub of modular guarantee system providing services of both national and local confidi.
- CommerFinflagshipNational second-level confidi promoted by Confesercenti. Coopcredito participates in CommerfiNet network contract, accessing €250 million financing from Stability Law 2014 for new guarantee operations.
- BPER (includes ex Carispaq, ex Serfina, ex Unipol Banca)coreMajor banking partner with multiple convention agreements covering various credit products including POR-FESR programs, short-term financing, and anti-usury provisions.
- UNICREDITcoreNational banking partner enabling access to POR-FESR funding programs. Addendum to convention signed to cover working capital and inventory financing.
- INTESA SANPAOLO (includes ex Carichieti, ex Banca Marche, ex Banca Popolare Ancona)coreMajor national banking group with multiple conventions for credit guarantee products and special financing programs for earthquake and bad weather affected businesses.
- Banca dell'AdriaticocorePart of Intesa Sanpaolo group, partnered for Business Gemma women's entrepreneurship financing program with €600 million national plafond.
- Artigiancassa-BNLmajorFirst non-exclusively artisan confidi to sign convention with Artigiancassa-BNL (BNL-BNP Paribas group) in Abruzzo, expanding access to artisan sector credit.
- BCC Sangro-TeatinamajorCooperative bank partnership renewed with new, streamlined convention adapted to current market needs for local businesses.
- BCC RomamajorConvention with one of most widespread cooperative banks in L'Aquila province, offering advance on contributions, factoring, credit lines, and mortgages.
- Monte dei Paschi di SienamajorHistoric Tuscan bank with convention agreements for credit guarantee products in Abruzzo region.
- Banca Popolare di Bari (ex Caripe, ex Tercas)majorSouthern Italy banking group partnership for credit guarantee operations.
Scale indicators5 records
Recent moves8 records
Expansion highlights5 records
Confidi Coopcredito competitors and assessment
Company assessmentDirect peers
- CommerFin: National second-level confidi promoted by Confesercenti, of which Coopcredito is both a shareholder and network partner. Operates the CommerfiNet network contract that gave Coopcredito access to a €250M Stability Law plafond, making it the closest functional peer and the network's lead entity.
- Italia Comfidi: Italy's largest associative confidi, party to a 2016 network contract with Coopcredito. Provides modular guarantee services across regions and overlaps directly with Coopcredito's SME credit guarantee offering through shared Confesercenti affiliation.
- Eurofidi: Turin-based confidi providing mutual credit guarantees to SMEs in Piedmont. Closely comparable to Coopcredito in business model (cooperative mutual guarantee consortium) and customer segment (small and medium enterprises needing bank credit access).
- Cooperfidi Italia: Italian cooperative credit consortium focused on cooperative enterprises, offering credit guarantees and financial intermediation. Shares Coopcredito's cooperative governance structure and SME guarantee focus, making it a strong functional peer.
- Ascomfidi: Confidi affiliated with ASCOM/Confcommercio providing credit guarantees to small businesses in commerce, tourism and services — segments that overlap materially with Coopcredito's SME member base and product portfolio.
Broad incumbents
- Federconfidi: National federation representing Italian confidi and the umbrella trade body. While not a direct operational peer, it sets industry standards, aggregates national-level data, and represents the broader confidi ecosystem in which Coopcredito operates.
- Artigiancassa (BNL-BNP Paribas Group): Italy's largest artisan banking institution, party to an active convention with Coopcredito for artisan-sector credit. Operates as both a channel partner and a broad incumbent in the SME/artisan credit guarantee and lending space.
Emerging players
- Garanzia Etica: Ethical credit guarantee consortium operating across Italy with a focus on social economy and sustainable SMEs. Comparable to Coopcredito in mutual-guarantee model but differentiated by ethical/mission orientation and emerging national scale.
Regional players
- Confidi Padova (Cooperativa di Garanzia dei Commercianti): Regional Veneto-based confidi providing SME credit guarantees. Directly comparable to Coopcredito as a geographically focused mutual guarantee cooperative serving small businesses through banking conventions.
- Fidi Toscana: Tuscany-based mutual guarantee institution serving SMEs with credit guarantees and subsidized financing. Comparable to Coopcredito in regional focus, mutual/cooperative structure, and reliance on public/regional funding programs for product viability.
Market position
Strengths3 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Confidi Coopcredito social profiles
Digital presenceConfidi Coopcredito financial estimates
Financial estimateRevenue estimate
Valuation estimate
Confidi Coopcredito leadership team
Management profileNumber of profiles
Profiles3 records
Confidi Coopcredito funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Confidi Coopcredito 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 Confidi Coopcredito
What does Confidi Coopcredito do?
Confidi Coopcredito is a credit guarantee consortium (confidi) operating in the Abruzzo region of Italy, providing financial guarantees and credit access services to small and medium enterprises. The consortium offers guarantee coverage of 50-80% on bank loans, enabling member SMEs to access bank financing at reduced interest rates through conventions with approximately 20 banking institutions. It also distributes specialized financing products including startup credit, microcredit, tourism financing, and regional subsidized programs (POR-FESR, Par-Fas).
Is Confidi Coopcredito a public or private company?
Confidi Coopcredito is a private company. It is classified as management employee owned and is currently closed.
When was Confidi Coopcredito founded?
Confidi Coopcredito was founded in 1989. It employs 11 to 50 people.
Where is Confidi Coopcredito based?
Confidi Coopcredito is headquartered in Chieti, Italy, in the Europe region.
How does Confidi Coopcredito make money?
Three revenue lines are on record. Membership fees are the primary driver. The others are secretary fees and guarantee commissions.
Who are Confidi Coopcredito's main competitors?
Direct peers on record are CommerFin, Italia Comfidi, Eurofidi, Cooperfidi Italia and Ascomfidi. Broad incumbents are Federconfidi and Artigiancassa (BNL-BNP Paribas Group). Garanzia Etica is listed as an emerging player. Regional players are Confidi Padova (Cooperativa di Garanzia dei Commercianti) and Fidi Toscana.
Does Confidi Coopcredito have an API?
No public API is recorded for Confidi Coopcredito.
What industry is Confidi Coopcredito in?
Confidi Coopcredito's product category is Credit Guarantee Services. Its primary akta.pro industry code is FSALAKAD, Public Mortgage Insurance & Government Credit Guarantee Programs. Its NAICS code is 5223 and its SIC code is 6163.