Garantiqa Hitelgarancia Zrt.

What Garantiqa Hitelgarancia Zrt. does

Garantiqa Hitelgarancia Zrt. is a Hungarian privately-held financial guarantee company founded in 1992 and headquartered in Budapest. Per its stated short description, the company offers financial guarantees to support small and medium-sized enterprises (SMEs) in Hungary, with the stated purpose of aiding SME access to financing. The corporate form "Zrt." (Zártkörűen működő Részvénytársaság) designates a Hungarian privately-held stock company, and the company is classified as for-profit and non-public.

The company's business model centers on issuing financial guarantees that back SME loans, effectively absorbing part of the credit risk faced by partner lenders and thereby unlocking financing that SMEs might otherwise be unable to obtain on standard commercial terms. With 51-100 employees and over three decades of continuous operation, Garantiqa appears to run a focused, capital-efficient operation concentrated on guarantee origination, risk assessment, and ongoing portfolio management rather than on scaled retail or consumer-facing distribution. The company serves a single national market — Hungary — and its value proposition is rooted in the regulatory and policy-aligned channel it occupies within the Hungarian SME financing ecosystem.

No pricing model, customer-segment split, distribution-channel mix, partnership roster, or revenue figures are disclosed in the available source data; the company's public website capture resolved only to a verification/loader page rather than substantive content. Accordingly, this description is limited to the firmographic and stated-mission facts present in the input, and deeper analysis of product surface, revenue mechanics, and competitive positioning is constrained by the data gap.

Name

Garantiqa Hitelgarancia Zrt.

Website

https://garantiqa.hu

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

51–100 employees

Short description

Garantiqa Hitelgarancia Zrt. is a Budapest-based, privately-held Hungarian financial guarantee provider founded in 1992 that issues guarantees to support SME access to financing in Hungary.

Ownership category

akta.pro rank

Product category

Credit Guarantee Services

NAICS

Credit Intermediation and Related Activities (522)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

SME Lending Platforms & Embedded SME Credit (FSAKAGAJ)

Keywords

• Credit guarantee services
• SME financing
• Loan guarantees
• Financial guarantees
• Sme lending support

Headquarters

HQ city

Budapest

HQ country

Hungary

HQ region

Europe

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations

Core offering

Garantiqa Hitelgarancia Zrt. provides financial guarantees to support small and medium-sized enterprises (SMEs) in Hungary, helping them access financing by backing their credit obligations. The company mitigates lender risk on SME loans through its guarantee products, enabling borrowers who may lack sufficient collateral or credit history to obtain financing.

Differentiator

Problem solved

Functional benefit

Products and services

• SME Loan Guarantees

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves1 record

Broad incumbents

• Coface: Global trade credit insurer and credit risk services provider. Comparable as an established credit risk intermediation and guarantee-style business serving businesses and partners, though operating mainly in trade credit rather than SME bank-loan guarantees.
• Euler Hermes: Trade credit insurance and credit risk solutions provider, part of Allianz. Comparable as a major credit guarantee and risk-bearing institution that interacts with banks and corporates, with a broader geographic and product footprint than Garantiqa.
• BPI France: French state-owned public investment bank that supports SME financing through guarantees, loans, and equity. Comparable as a large state-backed SME credit institution with a guarantee product set, though operating in a different geography.
• EIF (European Investment Fund): EU-level SME credit and counter-guarantee provider. Comparable as the dominant European counter-guarantor and capacity-builder behind national guarantee institutions like Garantiqa, even though its scope is pan-European and broader.
• MFB (Hungarian Development Bank): Hungarian state-owned development bank that provides financing and refinancing to SMEs and corporates. Comparable as the state-linked financial institution ecosystem participant that supplies capital and credit programs alongside Garantiqa.
• KfW Mittelstandsbank: German state-owned development bank that supports SME financing through loans, guarantees, and equity. Comparable as a state-led SME credit institution engaged in guarantee and refinancing activities in a European market.

Regional players

• EXIMBANKA SR: Slovak state-owned export and development bank providing guarantees and financing for SMEs and exporters. Comparable as a regional SME guarantee and credit institution structurally similar to Garantiqa in a neighboring country.
• ČMZRB (Českomoravská záruční a rozvojová banka): Czech state-owned development and guarantee bank providing SME guarantees and loans. Comparable as a Central European state-backed SME guarantee institution with an analogous mandate to Garantiqa in a neighboring country.
• SID Banka (Slovenska izvozna in razvojna banka): Slovenian state-owned export and development bank offering guarantees and financing for SMEs and exporters. Comparable as a smaller Central European state-backed institution with a guarantee and credit intermediation mandate similar to Garantiqa.

Direct peers

• AVHGA (Agrár-Vállalkozási Hitelgarancia Alapítvány): Hungarian agricultural and rural SME credit guarantee foundation, also providing loan guarantees to SMEs in Hungary. Closest direct peer within the same country, addressing SME access to financing through a guarantee mechanism like Garantiqa.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights4 records

Customer concentration

• LinkedInlinkedin.com/company/garantiqa-hitelgarancia-zrt.

Revenue estimate

Valuation estimate

Number of profiles

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 Garantiqa Hitelgarancia Zrt.