Fidi Nordest
Fidi Nordest is a Bank of Italy-regulated Italian mutual credit guarantee consortium (Confidi, Article 106 TUB) headquartered in Vicenza that issues collective guarantees to help over 15,000 member SMEs — primarily artisans in Veneto and Puglia — access bank credit, subsidized financing, and financial advisory services.
- Company typePrivate
- Founded1963
- HeadquartersVicenza, Italy
- Headcount51–100
- GTM typeB2B
- OfferingServices
What Fidi Nordest does
Fidi Nordest — Società cooperativa consortile di garanzia collettiva fidi — is an Italian mutual credit guarantee consortium (Confidi) headquartered in Vicenza and founded in 1963 (over 60 years of operating history). It is registered and supervised by Banca d'Italia under Article 106 of the Consolidated Banking Act (TUB, registration code 19507) as a financial intermediary, ranking among Italy's top 10 Confidi institutions. The company's primary function is to issue collective guarantees to partner banks on behalf of member small and medium enterprises, thereby reducing bank lending risk and enabling SMEs to access credit they would otherwise be denied. Member enterprises — primarily artisans and SMEs in the Veneto and Puglia regions — pay guarantee commissions and gain access to subsidized financing programs, mutual guarantee funds, and personalized advisory services.
The core product is mutual guarantees (Garanzie collettive fidi), with coverage up to 80% of approved financing. Complementary offerings include financial advisory (Consulenza Finanziaria), specialized agricultural credit and consulting via the Agriservice division, short- and medium/long-term agricultural credit products, and administration of regional and national programs including the Fondo di Garanzia (FCG), Fondo di Rotazione per PMI Agricole in Veneto (DGR 102/2025), Regione Puglia Mutualistic Guarantee Fund GAM 2021-2027, Nuova Sabatini Green, Transizione 5.0, and the EU COSME programme. Guarantee volumes reached €167M in 2024 against total assets of €78M and net equity of €30M, with a Total Capital Ratio of 34.46% — well above regulatory minimums.
Fidi Nordest generates revenue primarily through guarantee commissions on issued facilities and related advisory fees, distributed across 15,000+ member enterprises and 16,000+ VAT-registered businesses in Veneto. Go-to-market is direct and relationship-driven through 24 field consultants across 27+ branch offices in Veneto, Treviso, Padua, Verona, Rovigo, Reggio Emilia, and Puglia, supplemented by the Confartigianato Imprese Vicenza association network. As a cooperative consortium, Fidi Nordest is member-owned rather than investor-owned, with 2024 net profit of €226K reflecting the cooperative's thin-margin operating model.
Fidi Nordest firmographics
Firmographics- Name
- Fidi Nordest
- Legal name
- Fidi Nordest – Società cooperativa consortile di garanzia collettiva fidi
- Website
- https://fidinordest.it
- Company type
- Private
- Founded year
- 1963
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Fidi Nordest is a Bank of Italy-regulated Italian mutual credit guarantee consortium (Confidi, Article 106 TUB) headquartered in Vicenza that issues collective guarantees to help over 15,000 member SMEs — primarily artisans in Veneto and Puglia — access bank credit, subsidized financing, and financial advisory services.
- Ownership category
- akta.pro rank
Fidi Nordest industry classification
Industry- Product category
- SME Credit Guarantee Services
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Nondepository Credit Intermediation (5222)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)
- akta.pro secondary industry
- Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)
Keywords
Where Fidi Nordest is headquartered
LocationHeadquarters
- HQ city
- Vicenza
- HQ country
- Italy
- HQ region
- Europe
Offices26 records
Markets served
Fidi Nordest business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Others
Revenue model
- Garanzia collettiva fidi: Fidi Nordest generates revenue primarily through guarantee commissions charged to member enterprises for credit guarantee services. The Confidi issues mutual guarantees to banks to facilitate SME access to financing, earning fees from the guarantee activity and potentially from related financial consulting services.
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
Fidi Nordest product offering
Product offeringCore offering
Fidi Nordest is a mutual credit guarantee consortium cooperative (Confidi) supervised by the Bank of Italy under Article 106 of the Italian Banking Act. It issues collective credit guarantees to partner banks on behalf of member SMEs to facilitate their access to bank financing. The cooperative also provides financial advisory, manages regional and national guarantee funds, and offers specialized agricultural credit products through its Agriservice division and a network of 14+ partner banks.
Product overview
Fidi Nordest is a 'Società cooperativa consortile di garanzia collettiva fidi' (mutual guarantee consortium cooperative) operating as a Confidi 106 supervised by the Bank of Italy, classified among Italy's top ten Confidi institutions. The organization provides a comprehensive suite of financial services centered on collective guarantee products (Garanzie/FCG) that facilitate credit access for SMEs. Core offerings include mutual guarantees (up to 80% coverage), financial advisory services (Consulenza Finanziaria), and specialized Agriservice products for the agricultural sector (including short-term and medium/long-term agricultural credit). The company administers regional guarantee funds including the Fondo Garanzia Mutualistica 2021-2027 for Puglia and the Fondo di Rotazione per PMI Agricole in Veneto (DGR 102/2025). The portfolio also encompasses government incentive programs (Nuova Sabatini Green, Transizione 5.0) delivered through a network of 14+ partner banks. As of 2024, Fidi Nordest manages €167 million in guarantees across 15,000 VAT-registered businesses.
Differentiator
Problem solved
Functional benefit
Brands
- FidiNet Puglia: A network of Confidi (Fidi Nordest and Artigianfidi Puglia) operating as the managing organism for the Mutualistic Guarantee Fund (GAM) 2021-2027 in the Puglia region, facilitating access to credit for SMEs.
- Agriservice
Products and services
- Garanzie (Mutual Credit Guarantees) Collective guarantee services that facilitate SME access to bank credit, with guarantees up to 80% issued to a network of 14+ partner banks for approved member enterprise financing.
- Consulenza Finanziaria (Financial Advisory)
Quantifiable outcome
- 200 million EUR in guarantees issued; 400 million EUR in financing facilitated for member enterprises
- +3 more outcomes
Companies that use Fidi Nordest
Customer profileSegments3 records
Ideal customer profiles3 records
Fidi Nordest technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Fidi Nordest partnerships and signals
Strategic signalPartnerships
24 partnerships are on record, tiered core and minor.
- Banca Popolare di SondriocoreBanca Popolare di Sondrio is one of Fidi Nordest's bank partners through which member enterprises access guaranteed credit facilities. The guarantee issued by Fidi Nordest reduces bank lending risk.
- Banco BPMcoreBanco BPM is a partner bank of Fidi Nordest for the provision of guaranteed credit to member SMEs.
- BPER BancacoreBPER Banca is a partner bank for Fidi Nordest's guaranteed credit services.
- Intesa San PaolocoreIntesa San Paolo is a partner bank of Fidi Nordest.
- UniCreditcoreUniCredit is a partner bank of Fidi Nordest.
- Monte dei Paschi di SienacoreMonte dei Paschi di Siena is a partner bank of Fidi Nordest.
- Cassa Centrale Banca – Credito Cooperativo ItalianocoreCassa Centrale Banca, representing Credito Cooperativo Italiano, is a bank partner through Fidi Nordest's network.
- ICCREA Banca S.p.A.coreICCREA Banca is a partner bank (Istituto centrale del credito cooperativo) for Fidi Nordest.
- Banca Popolare Puglia e BasilicatacoreBanca Popolare Puglia e Basilicata is a partner bank serving Fidi Nordest members in the Puglia region.
- Cassa di Risparmio di Volano / Volksbank Alto AdigecoreVolksbank Alto Adige – Banca Popolare dell'Alto Adige is a partner bank of Fidi Nordest.
- Credit Agricole / Credit Agricole Leasing ItaliacoreCredit Agricole and Credit Agricole Leasing Italia are partner institutions for guaranteed financing.
- BdM – Banca del Mezzogiorno (Gruppo Mediocredito Centrale)coreBdM (Banca del Mezzogiorno) is part of the Mediocredito Centrale Banking Group and partners with Fidi Nordest.
- UniCredit LeasingcoreUniCredit Leasing provides leasing solutions to Fidi Nordest member enterprises.
- Fondo di Garanzia (National Guarantee Fund)coreFidi Nordest is accredited as an intermediary for the National Guarantee Fund (Fondo di Garanzia), enabling it to issue first-loss guarantees up to 80% on behalf of the fund for SME credit.
- Regione del VenetocoreRegione del Veneto co-finances guarantee programs with Fidi Nordest, including the Regional Guarantee Fund (Fondi Legge di Stabilità, Fondo di Sviluppo 2.0) supporting local SMEs.
- Regione PugliacoreRegione Puglia co-finances the Mutual Guarantee Fund GAM 2021-2027 (co-financed by the European Regional Development Fund), with Fidi Nordest as Confidi Capofila of FidiNet Puglia network.
- Cassa Depositi e Prestiti (CDP)coreCassa Depositi e Prestiti partners with Fidi Nordest for financing programs including the Nuova Sabatini and other subsidized credit initiatives.
- Confartigianato Imprese VicenzacoreConfartigianato Imprese Vicenza is the founding and promoting association of Fidi Nordest, providing the primary customer base of artisans and SMEs. Fidi Nordest is promoted by CIV (Confartigianato Imprese Vicenza).
- COSME Programme (EU)coreFidi Nordest participates in the EU COSME programme for SME competitiveness, which provides support for access to finance for small businesses.
- Dolomiti EnergiaminorFidi Nordest sources 100% certified renewable energy from Dolomiti Energia, avoiding 0.5156 tonnes of CO2 emissions in 2024, as part of its ESG commitment.
- Consorzio Acquisti Energia e Multiutility (CAEM)minorCAEM, promoted by Confartigianato Imprese Vicenza, facilitated Fidi Nordest's renewable energy supply agreement with Dolomiti Energia.
- Artigianfidi PugliacoreArtigianfidi Puglia is a partner Confidi in the FidiNet Puglia network, jointly managing the Mutual Guarantee Fund GAM 2021-2027 for Puglia enterprises.
- FidiNet PugliacoreFidiNet Puglia is the network of Confidi managing the Puglia Regional Mutual Guarantee Fund GAM 2021-2027, with Fidi Nordest as Confidi Capofila.
- Confimi Impresa VeronaminorConfimi Impresa Verona is a partner association providing Fidi Nordest access to member enterprises in the Verona area.
Scale indicators13 records
Recent moves6 records
Expansion highlights5 records
Fidi Nordest competitors and assessment
Company assessmentBroad incumbents
- Federconfidi: National federation representing Italian Confidi. Acts as an industry-association umbrella that influences regulation and partners with Fidi Nordest-equivalent institutions; broad incumbent shaping the sector in which Fidi Nordest competes.
- European Investment Fund (EIF): EU-level provider of SME credit guarantees and counter-guarantees, including COSME and EU budgetary instruments that Fidi Nordest accesses. Operates as a supranational incumbent in the same guarantee value chain, with a much larger capital base.
- Mediocredito Centrale (MCC): State-owned financial intermediary within the Invitalia group that manages the Italian Central Guarantee Fund (Fondo Centrale di Garanzia) — the primary public counter-guarantee mechanism Fidi Nordest draws on. Operates at national scale in the same SME credit guarantee value chain.
Direct peers
- Garanzia Etica: Italian ethical credit guarantee consortium focused on sustainable and social-economy SMEs. Operates the same Confidi model as Fidi Nordest with comparable regulatory status and bank-distribution model, with an additional ESG positioning.
- Eurofidi: One of Italy's largest Confidi, operating as a mutual credit guarantee consortium serving SMEs nationally. Directly comparable to Fidi Nordest in business model (collective guarantees, Article 106 TUB), scale, and member-driven cooperative structure.
- Cooperfidi: Italian cooperative credit guarantee consortium serving cooperatives and SMEs. Operates the same mutual guarantee model under Article 106 TUB and competes for the same SME credit-guarantee pipeline that Fidi Nordest serves.
- Artigianfidi Puglia: Apulian Confidi and direct partner of Fidi Nordest within the FidiNet Puglia network, jointly managing the GAM 2021-2027 regional mutual guarantee fund. Both serve SMEs in Puglia and offer mutual credit guarantees through similar cooperative structures.
- Banca del Mezzogiorno (BdM): Italian bank within the Mediocredito Centrale Group, listed as a bank partner of Fidi Nordest. Operates in the same SME credit guarantee value chain with a southern-Italy focus, providing a comparable model of bank + guarantee-based SME lending.
- Confidimprese: Italian Confidi providing collective guarantees to SMEs. Directly comparable to Fidi Nordest in business model, regulatory standing, and target customer base, particularly in central and southern Italy.
- Confidiprato: Tuscan Confidi providing collective credit guarantees to SMEs through partner banks. Comparable to Fidi Nordest in regulatory standing, mutual guarantee structure, and bank-intermediated distribution model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Fidi Nordest social profiles
Digital presenceFidi Nordest compliance and trust
Trust signalCompliance3 records
Fidi Nordest financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fidi Nordest leadership team
Management profileNumber of profiles
Profiles3 records
Fidi Nordest funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fidi Nordest 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 Nordest
What does Fidi Nordest do?
Fidi Nordest is a mutual credit guarantee consortium cooperative (Confidi) supervised by the Bank of Italy under Article 106 of the Italian Banking Act. It issues collective credit guarantees to partner banks on behalf of member SMEs to facilitate their access to bank financing. The cooperative also provides financial advisory, manages regional and national guarantee funds, and offers specialized agricultural credit products through its Agriservice division and a network of 14+ partner banks.
Is Fidi Nordest a public or private company?
Fidi Nordest is a private company. It is classified as management employee owned and is currently operating.
When was Fidi Nordest founded?
Fidi Nordest was founded in 1963. It employs 51 to 100 people.
Where is Fidi Nordest based?
Fidi Nordest is headquartered in Vicenza, Italy, in the Europe region.
How does Fidi Nordest make money?
One revenue line is on record: garanzia collettiva fidi.
Who are Fidi Nordest's main competitors?
Broad incumbents on record are Federconfidi, European Investment Fund (EIF) and Mediocredito Centrale (MCC). Direct peers are Garanzia Etica, Eurofidi, Cooperfidi, Artigianfidi Puglia, Banca del Mezzogiorno (BdM), Confidimprese and Confidiprato.
Does Fidi Nordest have an API?
No public API is recorded for Fidi Nordest.
What industry is Fidi Nordest in?
Fidi Nordest's product category is SME Credit Guarantee Services. Its primary akta.pro industry code is FSAEAEAH, Hard Money & Private Mortgage Lending Intermediation, with a secondary code of FSAEAEAM, Personal Loan & Unsecured Credit Intermediation. Its NAICS code is 522310 and its SIC code is 6163.