What Confidicoop Marche does

Confidicoop Marche Società Cooperativa is an intersectoral financial cooperative (confidi) headquartered in Ancona, Italy, operating under Banca d'Italia supervision and enrolled in the Albo degli intermediari ex art. 106 TUB. Founded in 2003 to facilitate SME access to bank credit in the Marche region, the company today serves 2,250+ member enterprises across industry, agriculture, cooperation, commerce, tourism and fishing, distributing its products through six offices (Ancona, Ascoli Piceno, Fermo, Alba Adriatica, San Benedetto del Tronto, Porto Sant'Elpidio) and a network of conventioned banks and financial institutions.

The product architecture combines mutual guarantee issuance (Garanzia Standard at 0.60% per annum, Fidejussioni Dirette for public administration and commercial use) with direct credit facilities (Credito Veloce, Credito Diretto with own funds and Cassa Depositi e Prestiti resources) and ancillary business consulting compliant with Banca d'Italia Circular 288/2015. The company participates in €350M+ of multi-party securitization capacity through Crescitalia (GRO 2 at €200M and CRESCAGRI at €50M, both via illimity Bank and CrescItalia), and acts as delegated manager for regional fund vehicles including Regione Marche POR FESR 2021-2027 and L.R. 33/2021 capitalization grants.

Revenue mechanics rest on (i) recurring guarantee commissions, (ii) interest income on direct credit to members using CDP Plafond Confidi and own funds, (iii) fee participation in securitization programs, and (iv) negotiated consulting fees. Counter-guarantee from Mediocredito Centrale, SIMEST recognition for internationalization guarantees, and conventioned-bank relationships (multi-bank since 2012-2019) form the institutional scaffolding. Strategic positioning emphasizes intersectoral reach (versus sectoral confidi), high capital adequacy (€25.7M net equity reported in 2016, described as one of the most capitalized Italian confidi), and proximity to public fund flows through the Regione Marche and EU channels.

Name

Confidicoop Marche

Legal name

Confidicoop Marche Società Cooperativa

Website

https://confidicoopmarche.it

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

11–50 employees

Short description

Confidicoop Marche is an Italian intersectoral financial cooperative (confidi) supervised by Banca d'Italia, providing guarantees, direct credit, securitization, and consulting services to 2,250+ SME members across industry, agriculture, cooperation, commerce, tourism and fishing in the Marche region.

Ownership category

akta.pro rank

Product category

Mutual Guarantee and SME Credit Services

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Nondepository Credit Intermediation (5222)

SIC

Loan Brokers (6163), Federal & Federally-Sponsored Credit Agencies (6111)

akta.pro primary industry

Public Mortgage Insurance & Government Credit Guarantee Programs (FSALAKAD)

akta.pro secondary industry

Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)

Keywords

• SME credit guarantees
• Mutual guarantee consortium
• Direct SME lending
• Surety issuance services
• Subsidized finance advisory

Headquarters

HQ city

Ancona

HQ country

Italy

HQ region

Europe

Offices6 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Garanzia (Guarantee Fees): Confidicoop Marche earns commission income from issuing financial guarantees (fideiussioni) on behalf of member SMEs to conventioned banks. The guarantee fee is set at 0.60% per annum on the nominal guarantee amount, with reductions available through subsidized programs (FNC-ORD). Confidicoop also accesses riassicurazione (reinsurance) from the Fondo di Garanzia MCC and regional funds.
2. Credito Diretto (Direct Credit): The company extends direct loans to member companies using its own funds and funds from Cassa Depositi e Prestiti (CDP Plafond Confidi). Interest income is generated on these medium-to-long-term loans. CDP-funded loans are priced at subsidized rates as part of COVID-19 emergency measures.
3. Consulenza Aziendale (Business Consultancy): Confidicoop provides paid business consultancy services to member companies including financial planning, business plan preparation, economic and financial analysis, sector-specific advisory, and staff training. This service is offered in compliance with Banca d'Italia Circular 288/2015.
4. Cartolarizzazione Crediti (Securitization Programs): Confidicoop participates in credit securitization programs in partnership with illimity Bank and CrescItalia. The company supports loan origination (guaranteed by MCC counter-guarantee) which generates fee income from the securitization structure.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels9 records

Core offering

Confidicoop Marche is an intersectoral cooperative confidi that issues collective loan guarantees (Garanzia Standard, Fidejussioni Dirette for public administration and commercial use) and provides direct credit facilities (Credito Diretto via CDP Plafond Confidi or own funds, plus quick credit) to its member SMEs. It also operates securitization programs (Crescitalia GRO 2 for SMEs and CRESCAGRI for agriculture, with loans up to €1 million) and offers a Bonus Edilizi tax-credit transfer service through CDP, complemented by paid business consultancy to member enterprises.

Product overview

Confidicoop Marche is an intersectoral cooperative financial intermediary that operates as a Confidi (confidi/consortium guarantee institution) providing credit facilitation services to small and medium enterprises (SMEs) in the Marche region. The product portfolio centers on guarantee products (Garanzia Standard, Fidejussioni Dirette for public administration and commercial use) combined with direct credit solutions (Credito veloce, Credito Diretto with CDP resources and own funds, Plafond CDP). These core offerings are supplemented by specialized securitization programs through Crescitalia partnerships (GRO 2 for SMEs and CRESCAGRI for agricultural enterprises) and the Bonus Edilizi tax credit transfer service via Cassa Depositi e Prestiti. Business consulting services complete the offering, enabling the cooperative to provide holistic support for SME financial management, planning, and access to subsidized financing. The integrated product architecture allows the cooperative to serve member enterprises across industries including industry, artisanry, agriculture, commerce, services, and transport.

Differentiator

Problem solved

Functional benefit

Products and services

• Garanzia Standard Standard guarantee product for member enterprises to facilitate access to bank credit, acting as collateral for loan approvals with conventioned banks.
• Fidejussioni Dirette Pubblica Amministrazione Direct sureties issued by Confidicoop Marche to back member enterprises in contracts with public administration, enabling participation in government tenders.
• Fidejussioni Dirette Commerciali Direct commercial sureties guaranteeing business-to-business contractual obligations for member SMEs.
• Credito Veloce Quick-credit product providing rapid direct financing to member enterprises for immediate liquidity and working capital needs.
• Credito Diretto con Risorse CDP Direct credit facility using Cassa Depositi e Prestiti resources under the Plafond Confidi programme, offering medium- and long-term financing at favourable rates for member SMEs.
• Credito Diretto con Fondi Propri Direct credit facility funded by Confidicoop Marche's own capital reserves, providing financing solutions to member SMEs independent of public-plafond programmes.
• Credito Diretto – Plafond CDP Direct credit product tailored to the CDP Plafond financing channel, offering competitive rates for member SMEs via public funding.
• Crescitalia – GRO 2 Securitisation programme for Italian SMEs providing up to €200 million of financing (€25,000 to €1,000,000, up to 84 months), supported by Confidi guarantee and MCC counter-guarantee.
• Crescitalia – CRESCAGRI Agricultural-enterprise securitisation programme providing up to €50 million of financing (€25,000 to €500,000, 84-month duration) for Italian farming businesses.
• Consulenza Aziendale Business consulting services including financial management, control and planning for SMEs, covering economic and financial analysis, business finance advice, sector-specific consulting, commercial information services, and staff training.
• Servizi alle Imprese Comprehensive business services including financing for short and medium/long-term operations, sureties for public entities, and access to the Mediocredito Centrale counter-guarantee fund.
• Controgaranzia Mediocredito Centrale Counter-guarantee service operated through Mediocredito Centrale, allowing member SMEs to access the central guarantee fund for additional credit backing.
• Bonus Edilizi (Cessione del Credito CDP) Tax-credit transfer service through Cassa Depositi e Prestiti for building and energy-sector enterprises, enabling transfer of tax credits arising from renovation and energy-efficiency interventions.

Quantifiable outcome

• 47 milioni di euro di garanzie rilasciate nel 2016, a fronte di 94 milioni di finanziamenti bancari deliberati dagli istituti di credito
• +2 more outcomes

Named customers6 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eleven partnerships are on record, tiered core and minor.

• CrescItalia Servizi Imprese S.r.l.coreTechnology or Integration · 2 July 2024Fintech advisor che opera come 'cerniera' tra il mondo delle PMI e la finanza alternativa. Gestisce la piattaforma digitale per l'intero ciclo di vita dei finanziamenti cartolarizzati (€150 milioni primo programma, €200 milioni rinnovo, €50 milioni agricoltura).
• ConfeserfidicoreStrategic or Co-development PartnerPartnership strategica con Confeserfidi (confidi nazionale con 12,000 imprese socie) per i programmi di cartolarizzazione PMI e agricoltura. Insieme a Garanzia Etica, costituiscono il pool di confidi che opera con illimity e CrescItalia.
• Garanzia EticacoreStrategic or Co-development PartnerPartnership strategica con Garanzia Etica per i programmi di cartolarizzazione. Garanzia Etica sottolinea la capacità di essere vicina ai territori e di favorire la crescita delle imprese.
• AssoconfidiminorStrategic or Co-development PartnerConfidicoop è membro di Assoconfidi, l'associazione nazionale dei confidi, che ha stipulato la convenzione Plafond Confidi con CDP.
• Banche ConvenzionatecoreChannel Partner/ Reseller/ DistributorRete di istituti di credito convenzionati (convenzioni stipulate tra il 2012 e il 2019) e finanziarie convenzionate per il settore cooperativo. Le banche concedono crediti ai soci con fideiussione solidale di Confidicoop fino al 50% della somma erogata. Include i principali istituti di credito italiani.
• Uni.co (RTI)coreStrategic or Co-development PartnerRTI (raggruppamento temporaneo di imprese) con Uni.co come capofila e Confidicoop come partner, insieme a Banca Agevolarti, per la gestione delle misure regionali 'Diamo Credito alle Aziende'.
• Crédit Agricole ItaliaminorChannel Partner/ Reseller/ DistributorCollaborazione con Crédit Agricole Italia per il convegno 'Accesso al Credito, Credito Agevolato e il Ruolo dei Confidi' al Tipicità Festival 2025.
• Copagri MarcheminorStrategic or Co-development PartnerPartnership con Copagri Marche per convegni e iniziative congiunte a sostegno delle imprese agricole marchigiane. Il Presidente di Copagri Marche, Gianluigi Silvestri, partecipa agli eventi organizzati da Confidicoop.
• Confcooperative MarcheminorStrategic or Co-development PartnerAccordo Confcooperative Marche-Confidicoop per servizi finanziari alle cooperative, siglato nell'aprile 2020.
• Legacoop MarcheminorStrategic or Co-development PartnerAccordo Legacoop Marche-Confidicoop per servizi finanziari alle cooperative, siglato nell'aprile 2020. Legacoop Marche organizza l'evento CoopEvolution 2025 al quale Confidicoop ha partecipato.
• Camera di Commercio delle MarcheminorChannel Partner/ Reseller/ DistributorCollaborazione per la gestione di bandi camerali (Voucher Impresa Digitale 5.0, Bando Fiere CCIA, Bando Transizione Ecologica, Bando Digitalizzazione PMI).

Scale indicators11 records

Recent moves7 records

Expansion highlights6 records

Regional players

• Finlombarda: Lombardy regional financial institution supporting SME access to credit and public funds. Comparable in operating as a regional credit-intermediation channel for SMEs, though structured as a regional finance company rather than a cooperative confidi.
• Fidi Toscana: Tuscany-based regional confidi providing SME guarantees and credit facilitation. Comparable regional-confidi model, but operating in a different geography; useful benchmark for region-specific guarantee volumes and pricing.

Direct peers

• Uni.co: Italian cooperative credit consortium offering SME guarantees and financial services. Directly comparable business model; RTI partner of Confidicoop in the 'Diamo Credito alle Aziende' regional program.
• Confeserfidi: Italian national confidi with ~12,000 member SMEs providing mutual guarantees and credit facilitation. Directly comparable as Confidicoop's strategic partner in the Crescitalia securitization programs and a same-business-model competitor in the SME-guarantee market.
• Garanzia Etica: Italian ethical-confidi focused on SME credit guarantees and ethical finance. Pooled with Confidicoop in the illimity/CrescItalia securitization programs and offers the same guarantee + direct-credit product architecture to member SMEs.
• Cooperfidi Italia: National confidi serving cooperatives and SMEs with mutual guarantees and credit facilities. Operates the same confidi model under Banca d'Italia supervision, providing a benchmark for cooperative-sector guarantee economics.
• Coopercredito: Italian cooperative credit institution serving cooperatives and SMEs with banking and guarantee products. Comparable cooperative business model serving overlapping member segments.
• Eurofidi: Italian confidi providing collective guarantees and subsidised-credit intermediation to SMEs. Comparable in offering mix (guarantees, direct credit, public-fund access) and member-cooperative structure.

Broad incumbents

• Mediocredito Centrale (MCC): State-owned entity managing Italy's Central Guarantee Fund for SMEs. Provides the counter-guarantee framework Confidicoop relies on, and competes indirectly as a public guarantee channel for SMEs.
• illimity Bank: Specialized Italian bank that structures and manages the Crescitalia securitization programs Confidicoop participates in. Comparable as a non-traditional SME-credit operator and a key counterparty in Confidicoop's growth channel.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@confidicoopmarche6129
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• LinkedInlinkedin.com/company/confidicoop-marche
• Instagraminstagram.com/confidicoopmarche_soc.coop
• Xx.com/confidicoop

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Confidicoop Marche