FIDIT Garanzia crediti & servizi P.M.I

What FIDIT Garanzia crediti & servizi P.M.I does

FIDIT Garanzia crediti & servizi P.M.I, operating legally as Fidit SCPA (Società Consortile Per Azioni), is an Italian financial intermediary (Confidi) founded in 2020 and headquartered in Bari, Apulia. The company is registered at number 77 in the list held by the Organismo dei Confidi Minori pursuant to art. 112 of Italian Legislative Decree 385/1993, formally authorizing it to issue mutual credit guarantees and provide financial services to small and medium enterprises (PMI). Its core function is providing mutual guarantee instruments that enable SMEs and microenterprises in the Apulia region to access bank credit by absorbing up to 80% of lender risk on investment loans (capped at €1,500,000 per enterprise) and working capital financing (capped at €800,000).

The company is the awarded manager of the Fondo Garanzia Mutualistica 2021-2027, a public mutual guarantee fund established by Regione Puglia under the FESR-FSE+ 2021-2027 European Regional Development Fund programme. Beyond guarantees, FIDIT provides specialized financial consulting and acts as an information intermediary for active regional incentive programmes (Bandi Attivi) including PIA, Mini Contratti Sviluppo, and E-Commerce. Revenue is generated primarily through recurring guarantee fees on underwritten financial operations, with no publicly disclosed pricing schedule. The customer base is restricted to SMEs and microenterprises/freelancers in Puglia. There is no proprietary technology platform or AI/ML capability disclosed; FIDIT operates as a traditional financial intermediary with 8 employees, using standard channels including its Wix-hosted corporate website, LinkedIn, Facebook, and Instagram.

Name

FIDIT Garanzia crediti & servizi P.M.I

Legal name

Fidit SCPA

Website

https://fidit.it

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

FIDIT is an Italian Confidi (mutual guarantee consortium) based in Bari that provides credit guarantees up to 80% on loans and financial consulting to small and medium enterprises in the Apulia region, managing the Regione Puglia Fondo Garanzia Mutualistica 2021-2027.

Ownership category

akta.pro rank

Product category

Credit Guarantee 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

SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI)

akta.pro secondary industry

Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)

Keywords

• Credit guarantee services
• Mutual guarantee fund
• SME financial consulting
• Confidi intermediary
• Business credit access

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, Infrastructure

Revenue model

1. Guarantee fees on financial operations: FIDIT generates revenue by providing guarantee instruments on financial operations. As a mutual guarantee fund (Confidi), the company charges fees for guaranteeing loans and financial transactions, assuming up to 80% of the credit risk on behalf of SMEs and banks.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

FIDIT is a Confidi (Italian mutual guarantee consortium) that provides credit guarantees on loans for small and medium-sized enterprises (SMEs) and self-employed professionals in Italy's Puglia region. The company manages the Fondo Garanzia Mutualistica 2021-2027, offering guarantees of up to 80% with ceilings of €1,500,000 for investment loans and €800,000 for working capital. It also administers active regional funding programs (PIA, Mini Contratti Sviluppo, E-Commerce) and delivers specialized financial consulting services.

Product overview

FIDIT is an Italian financial intermediary (Confidi) registered with the Organismo dei Confidi Minori, providing specialized consulting and personalized financial services to small and medium enterprises (SMEs). The company's core offering centers on the Fondo Garanzia Mutualistica 2021-2027, a mutual guarantee fund for Puglia region businesses that provides up to 80% credit guarantees on loans. Additional services include active funding programs (Bandi Attivi) such as PIA, Mini Contratti Sviluppo, and E-Commerce, which facilitate access to financial incentives and subsidies for SME growth and development.

Differentiator

Problem solved

Functional benefit

Products and services

• Fondo Garanzia Mutualistica 2021-2027
• Bandi Attivi (Active Funding Programs)
• Specialized Financial Consulting

Quantifiable outcome

• 80% of loan amounts can be guaranteed, facilitating credit access for SMEs
• +1 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Regione Puglia - Assessorato allo Sviluppo EconomicocoreStrategic or Co-development PartnerFIDIT serves as the awarded administrator and manager of the Fondo Garanzia Mutualistica 2021-2027, a public guarantee fund established by the Apulia Region (Regione Puglia) under the European Regional Development Fund (FESR-FSE+ 2021-2027). This strategic partnership positions FIDIT as a key instrument of regional economic development policy for SME financing.

Scale indicators3 records

Recent moves3 records

Expansion highlights4 records

Broad incumbents

• Federconfidi: National federation representing Italian Confidi mutual guarantee institutions. Comparable mutualistic SME guarantee model with national coordination and advocacy role.
• Artigiancassa: Italian bank specializing in financing for artisans and small businesses, part of the Gruppo Bancario Cooperativo. Comparable SME credit intermediation focus with broader banking license and national footprint.
• Mediocredito Centrale: Italian public credit institution supporting SME access to credit, including management of public guarantee funds. Comparable role as intermediator of government-backed credit to SMEs at national scale.

Others

• SACE: Italian export credit agency providing guarantees and financing to Italian businesses, including SME-facing products. Comparable guarantee intermediation function though focused on export/trade credit.
• ISMEA: Italian government agency providing credit guarantees and financing to agricultural SMEs. Comparable intermediation of government-backed guarantees to SMEs in a specific sector.

Direct peers

• Eurofidi: National-level Italian Confidi providing credit guarantees and financial intermediation services to SMEs across Italy. Comparable mutual guarantee model with broader geographic reach.
• Confidi Salerno: Mutual guarantee consortium serving SMEs in the Campania region with credit guarantees and consulting services. Comparable mutualistic Confidi structure and SME guarantee offering.
• Cofidi (Confidi Puglia): Regional mutual guarantee consortium operating in Puglia providing credit guarantees to SMEs. Directly comparable to FIDIT in mutualistic structure, regional focus, and SME credit intermediation model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/Fidit.it
• LinkedInlinkedin.com/company/fidit-it
• Instagraminstagram.com/fidit.pmi

Compliance1 record

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 FIDIT Garanzia crediti & servizi P.M.I