Artigianfidi Puglia

What Artigianfidi Puglia does

Artigianfidi Puglia Soc. Coop. a R.L. is a mutual guarantee consortium (Confidi) registered in Bari, Italy, promoted by Confartigianato Bari and operating under the Italian Testo Unico Bancario framework as a Confidi Minore ex art. 112. The consortium intermediates credit access for micro, small and medium enterprises (mPMI) and freelance professionals in the Puglia region, providing collective guarantees to partner banks so that members can obtain financing under preferential terms. As of the disclosed period, Artigianfidi Puglia reports more than €52,000,000 in guarantees in force and approximately 7,410 member enterprises spanning craft, commerce, manufacturing, construction, ICT, healthcare and tourism.

The product set is structured around two pillars: guarantee services (Garanzia sui finanziamenti, MCC/Controgaranzia with the Fondo Centrale di Garanzia, and crowdfunding equity) and facilitated/subsidised finance services (Finanza agevolata consulting plus dedicated financial products: Liquidità/Circolante, Investimento, and Consolidamento passività). The consortium also distributes regional and national subsidised programs (Titolo II Capo 3, Titolo II Capo 6, Fondo NIDI, Fondo Garanzia Mutualistica PR FESR-FSE+ 2021-2027, Fondi Legge di Stabilità, Fondo di Garanzia CCIAA di Bari) and operates a digital fast-credit product (X Instant Garantito with Banca Aidexa) with 20-minute decisions and 48-hour disbursement up to €100,000.

The business model earns revenue through guarantee fees on in-force stock and commissions from subsidised-finance consulting and channel relationships (partner banks, Artigiancassa Points, Confartigianato territorial offices). Distribution is multi-channel: direct through Confartigianato Bari-BAT-Brindisi offices, partner banks (BCC di Bari, Banca Aidexa, others), Artigiancassa Points, and joint networks such as Rete Confidi Puglia and FidiNet Puglia. A pending 2025 merger project with Confidi Systema (CS) indicates structural consolidation in progress.

Name

Artigianfidi Puglia

Legal name

Artigianfidi Puglia Soc. Coop. a R.L.

Website

https://artigianfidipuglia.it

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Artigianfidi Puglia is a Confidi (mutual guarantee consortium) in Bari, Italy, promoted by Confartigianato Bari, providing credit guarantees, counter-guarantees via the Fondo Centrale di Garanzia, and subsidised-finance consulting to roughly 7,410 micro, small and medium enterprises and freelance professionals across the Puglia region.

Ownership category

akta.pro rank

Headquarters

HQ city

Bari

HQ country

Italy

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Guarantee fees: Revenue generated from guarantee fees charged to member enterprises for providing collateral coverage to partner banks on their loans and financing.
2. Subsidized finance consulting commissions: Revenue from consulting services related to subsidized/guided finance programs (finanza agevolata), including assistance with regional and national incentive programs like Titolo II, Titolo VI, and Nidi fund.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Artigianfidi Puglia is a mutual guarantee consortium (Confidi) that provides collective credit guarantees to partner banks on behalf of its member small and medium enterprises, facilitating access to bank credit under preferential conditions. It also offers subsidized finance consulting, working capital and investment financing products, debt consolidation, MCC counter-guarantee services via the Central Guarantee Fund, and equity crowdfunding support for SMEs in the Puglia region of Italy.

Product overview

Artigianfidi Puglia is a guarantee consortium (Confidi) promoted by Confartigianato Bari, operating as a financial services provider for small and medium enterprises in Apulia. The company offers a unified portfolio of guarantee and financing services organized around two core pillars: (1) Guarantee Services including loan guarantees (Garanzia sui finanziamenti), counter-guarantee with the Central Guarantee Fund (MCC/Controgaranzia), and crowdfunding equity support; and (2) Facilitated Finance Services including subsidized financing programs (Titolo II Capo 3 for general business, Titolo II Capo 6 for tourism, Fondo NIDI for startups) administered in partnership with Regione Puglia. The product lineup includes working capital products (Liquidità/Circolante), investment financing (Investimento), and debt consolidation (Consolidamento passività), all supported by business consulting services (Supporto alle imprese) and free financial health checks. A notable digital offering is X Instant Garantito, developed in partnership with Banca Aidexa for rapid credit decisions up to €100,000. The company manages several regional and national subsidy funds including the Fondo Garanzia Mutualistica PR FESR-FSE+ 2021-2027, Fondi Legge di Stabilità, and the CCIAA di Bari Guarantee Fund.

Differentiator

Problem solved

Functional benefit

Products and services

• Supporto alle imprese (Business Support Consulting) Consulting and assistance services to help member businesses innovate and invest in their activities and territories. Targeted at SMEs operating in Puglia.
• Garanzia sui finanziamenti (Loan Guarantee Service) Credit intermediation service acting as intermediary between member businesses and partner banks, providing guarantees up to 90% of financing requested to facilitate access to bank credit under favorable conditions. For member SMEs.
• MCC / Controgaranzia (Counter-Guarantee and Reinsurance) Counter-guarantee and reinsurance services with the Central Guarantee Fund (Fondo Centrale di Garanzia) for enhanced credit access. For member SMEs.
• Finanza agevolata (Subsidized Finance Consulting) Consulting service to help member businesses identify and access the most suitable subsidized financing instruments available through regional and national programs (e.g., Titolo II, Nidi fund). For member SMEs.
• Crowdfunding Equity Equity crowdfunding services to enable member businesses to raise capital through online investment platforms. For member SMEs.
• Liquidità / Circolante (Working Capital Financing) Working capital financing product to address short-term liquidity needs of member businesses. For member SMEs.
• Investimento (Investment Financing) Investment financing product for medium to long-term business investments and growth initiatives. For member SMEs.
• Consolidamento passività (Debt Consolidation) Debt restructuring product to consolidate short-term liabilities and renegotiate existing bank loans, potentially freeing up to 25% additional liquidity. For member SMEs.
• Convenzione Artigiancassa Point Special convention with Artigiancassa providing access to dedicated banking services and financing solutions for artisan businesses. For member SMEs.
• X Instant Garantito Quick financing product in partnership with Banca Aidexa offering up to €100,000 (minimum €10,000) with 20-minute approval, 48-hour disbursement, repayable in 12 monthly installments at fixed rate. For member SMEs.
• Fondo Garanzia Mutualistica PR FESR-FSE+ 2021-2027 Mutual Guarantee Fund offering guarantees up to 80% on loans for micro, small, and medium enterprises and freelancers in Apulia.
• Fondi Legge di Stabilità (Stabilità Law Guarantee Fund) Risk fund financed by the Ministry of Economic Development, providing new guarantees to member SMEs under Article 1, paragraph 54 of Law 27 December 2013 n. 147.
• Fondo di Garanzia CCIAA di Bari Guarantee fund established by the Chamber of Commerce of Bari (CCIAA) to support mPMI access to credit in the Bari-BAT area, providing guarantees up to 80% for investment purposes.
• Titolo II Capo 3 Regional Apulia subsidized financing program for micro, small and medium enterprises in sectors including craftsmanship, commerce, manufacturing, construction, communication, and health. Covers investments up to €2 million for micro/small and €4 million for medium enterprises, with 35-45% aid intensity.
• Titolo II Capo 6 Regional Apulia subsidized financing program for tourism sector, supporting hotel expansion, beach facility modernization, tourist ports, and restoration of historic buildings for tourist use. Financing up to €4 million with 35% non-repayable grant.
• Fondo NIDI - Nuove Iniziative d'Impresa Regional Apulia program supporting young people, women, and unemployed individuals to start new businesses. Offers up to 100% financing (50% non-repayable grant, 50% interest-free loan over 60 months) plus management costs up to €15,000, for investments between €10,000 and €150,000.
• Check-up Finanziario gratuito (Free Financial Health Check) Free financial health check service to help member businesses understand their actual financial needs and evaluate their creditworthiness. For member SMEs.
• Convenzione Artigiancassa Point (Artigiancassa Partnership Convention) Special convention with Artigiancassa providing access to dedicated banking services and financing solutions for artisan businesses. For member SMEs.

Quantifiable outcome

• Garanzie in essere: oltre € 52.000.000
• +1 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Nine partnerships are on record, tiered core, minor and strategic.

• FidinordestcoreStrategic or Co-development Partner · 1 January 2014Partnership with Fidinordest of Vicenza for management of Misura 6.1.6 (3rd notice) and new Misura 3.8.1 letter a) of POR PUGLIA 2014/2020. Fidinordest serves as Confidi Capofila for the Fondo Garanzia Mutualistica 2021-2027 network (FidiNet Puglia).
• Regione PugliacoreStrategic or Co-development PartnerRegione Puglia is the primary regional authority supporting Artigianfidi Puglia's activities through various subsidized finance programs including Titolo II Capo 3, Titolo II Capo 6, Fondo Nidi, and Fondo Garanzia Mutualistica 2021-2027.
• Banca AidexacoreChannel Partner/ Reseller/ DistributorPartnership for X Instant Garantito product - a fast guarantee service allowing enterprises to receive financing decisions in 20 minutes, with funds disbursed in 48 hours. Loans up to €100,000 with 12-month repayment at fixed rate.
• Banca di Credito Cooperativo di BaricoreChannel Partner/ Reseller/ DistributorPartnership with BCC di Bari for guarantee services and joint participation in events like BTM Business Tourism.
• Rete dei Confidi Minori ConfartigianatocoreStrategic or Co-development PartnerMembership in the national network of Confidi Minori promoted by Confartigianato Imprese, providing coordination and shared best practices.
• FidiInreteminorStrategic or Co-development PartnerNational network of Confidi operating within the Confartigianato system.
• Confartigianato Bari-BAT-BrindisicoreStrategic or Co-development PartnerParent organization promoting Artigianfidi Puglia. Francesco Sgherza serves as both Vice President of Artigianfidi Puglia and maximum representative of Confartigianato Puglia.
• FidiNet PugliacoreStrategic or Co-development PartnerNetwork enterprise for Fondo Garanzia Mutualistica 2021-2027. Fidinordest is Capofila with Artigianfidi Puglia as adherent Confidi. Contact: Dott. Andrea Basso (Fidinordest), Dott. Erasmo Lassandro (Artigianfidi Puglia).
• Rete Confidi PugliastrategicStrategic or Co-development PartnerNetwork created by Artigianfidi Puglia, Confidi Confcommercio Puglia, Fidit, and L'Artigiana Cooperativa di Garanzia (representing Confartigianato, Confcommercio, and Confindustria). Aims to manage regional funds and provide innovative credit solutions through lending platforms.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Federconfidi: National federation of Italian Confidi. Broader portfolio including larger member Confidi nationwide; relevant for benchmarking Artigianfidi Puglia's product set and regulatory positioning.

Regional players

• Confeserfidi: Confesercenti-linked mutual guarantee consortium. Comparable guarantee-consortium model serving SMEs and freelancers; primarily operates outside Puglia.
• Cooperfidi Italia: Italian cooperative guarantee consortium primarily active in Northern/Central Italy. Comparable in legal form (cooperative) and SME guarantee offering, but is a geographic peer rather than direct competitor.

Direct peers

• Confidi Systema: Identical Confidi model in Puglia and explicit merger partner of Artigianfidi Puglia. Comparable guarantee issuance, member base, and dependence on regional subsidized finance programs.
• Fidinordest: Veneto-based Confidi acting as Capofila for the FidiNet Puglia network. Strategic partner of Artigianfidi Puglia in managing POR Puglia 2014/2020 measures and Fondo Garanzia Mutualistica 2021-2027.
• Fidit: Italian Confidi providing collective guarantees to SMEs, co-founder of Rete Confidi Puglia with Artigianfidi Puglia. Comparable business model and target customer segment.
• FidiInrete: National network of Confidi operating inside the Confartigianato system. Artigianfidi Puglia is a member; comparable guarantee products and SME target market.
• L'Artigiana Cooperativa di Garanzia: Apulian Confidi (Confindustria-linked) and co-founder of Rete Confidi Puglia. Operates the same guarantee-consortium model with overlapping bank partnerships and regional fund exposure.
• Confidi Confcommercio Puglia: Apulian mutual guarantee consortium promoted by Confcommercio retail association. Co-founder of Rete Confidi Puglia with Artigianfidi Puglia; serves the same SME credit-access market.

Others

• Banca di Credito Cooperativo di Bari: Channel partner bank of Artigianfidi Puglia for guarantee-backed lending. Not a direct competitor but operates in the same credit-access distribution flow and is a co-marketing partner.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/artigianfidipuglia
• LinkedInlinkedin.com/company/artigianfidi-puglia
• Instagraminstagram.com/artigianfidi

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 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 Artigianfidi Puglia