Fidimed Confidi Nazionale
- Company typePrivate
- Founded2005
- HeadquartersPalermo, Italy
- Headcount11–50
- GTM typeB2B
- OfferingServices
Fidimed Confidi Nazionale firmographics
Firmographics- Name
- Fidimed Confidi Nazionale
- Legal name
- Fidimed Soc.Coop.p.A. di garanzia collettiva dei fidi
- Website
- https://fidimed.eu
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Fidimed Confidi Nazionale industry classification
Industry- Product category
- SME Credit Guarantee Services
- NAICS
- Nondepository Credit Intermediation (5222)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)
Keywords
Where Fidimed Confidi Nazionale is headquartered
LocationHeadquarters
- HQ city
- Palermo
- HQ country
- Italy
- HQ region
- Europe
Offices9 records
Markets served
Fidimed Confidi Nazionale business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Guarantee Fees: Revenue from issuing collective guarantees to partner banks on behalf of member SMEs. The company receives guarantee fees for facilitating access to credit.
- Direct Financing: Direct lending to SMEs through products like 'Progetto Easy' and 'Progetto Easy Plus' in partnership with Banca Progetto. Revenue generated from interest spreads on direct loans.
- Fideiussioni (Surety Bonds): Direct surety bonds providing guarantee directly between the contracting enterprise and the beneficiary, generating commission income.
- Financial Advisory Services: Services to other financial intermediaries and facilitated finance consulting for accessing incentive measures and subsidized funding.
- Tax Credit Cession: Intermediary accredited with Cassa Depositi e Prestiti, facilitating cession of tax credits from building bonuses for construction and energy efficiency companies.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Progetto Easy Plus - up to 300,000 euros unsecured loan |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels7 records
Fidimed Confidi Nazionale product offering
Product offeringCore offering
Fidimed Confidi Nazionale is an Italian financial intermediary supervised under Article 106 TUB that issues collective bank guarantees and direct surety bonds, and provides direct financing to small and medium enterprises. The cooperative also delivers financial capacity certifications, microcredit programs (including Microcredito di Libertà), tax credit transfer services, and access to subsidized public funding channels through partnerships with Italian banks and government entities.
Product overview
Fidimed Confidi Nazionale is a national financial intermediary (Article 106 TUB, Bank of Italy supervised) offering a comprehensive suite of credit access products and services for SMEs and professionals. The portfolio centers on three core products: Rilascio Garanzie (collective bank guarantees), Fideiussioni (direct sureties), and Finanziamenti Diretti (direct financing). Supporting services include Attestazione Capacità Finanziaria and Asseverazione Piano Economico Finanziario for financial certification. Key financing products include Progetto Easy and Progetto Easy Plus (rapid chirografary financing in partnership with Banca Progetto), Microcredito di Libertà (social microcredit for women victims of violence), and various guarantee programs with Mediocredito Centrale and ISMEA. Additional offerings encompass tax credit transfer services (Bonus Edilizi), regional microcredit programs (Fondo Futuro), and rapid credit products (SPEED with Banca del Fucino). The company also provides access to subsidized finance programs including Ripresa Sicilia and the Sicily section of the National Guarantee Fund (PR FESR 2021-2027).
Differentiator
Problem solved
Functional benefit
Brands
- Progetto Easy: An innovative chirographary loan product (up to €300,000) for SMEs, managed in partnership with Banca Progetto, disbursed rapidly to support investment projects.
- Progetto Easy Plus
- Microcredito di Libertà
- Fidimed Fintech
Products and services
- Collective bank guarantees (Garanzie collettive) Collective bank guarantees issued on behalf of member SMEs to facilitate access to bank credit, by reducing lender risk and improving loan approval outcomes and terms.
- Direct surety bonds (Cauzioni dirette) Direct surety bonds issued by the cooperative to support SMEs in fulfilling contractual, tender, or regulatory obligations.
- Direct SME financing (Finanziamento diretto) Direct loans and financing extended to SMEs by Fidimed, complementing the guarantee activity with balance-sheet lending.
- Microcredit (including Microcredito di Libertà) Microcredit offerings aimed at SMEs and individuals eligible for public microcredit schemes, including the Microcredito di Libertà program supporting women victims of violence.
- Financial capacity certifications (Certificazioni di capacità finanziaria) Certifications attesting to the financial capacity and creditworthiness of SMEs, supporting their applications for tenders, public contracts, or further financing.
- Tax credit transfer services (Cessione del credito d'imposta) Facilitation of tax credit transfer transactions for SMEs, providing liquidity through credit monetization mechanisms.
- Access to subsidized funding programs Intermediation enabling SMEs to access Italian public subsidized funding programs through partnerships with public financial institutions.
Quantifiable outcome
- Financing outstanding of 700 million euros to over 3,500 SMEs (2024)
- +6 more outcomes
Companies that use Fidimed Confidi Nazionale
Customer profileNamed customers6 records
Segments6 records
Ideal customer profiles2 records
Fidimed Confidi Nazionale technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability4 records
Feature3 records
Fidimed Confidi Nazionale partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core and minor.
- Proclama SpacoreTechnology partnership for AI training and integration. Giovanni and Rosario Emmi conducted AI workshops in Catania, Palermo, Enna to train Fidimed staff on AI applications for credit evaluation, business plan analysis, and process optimization.
- Banca ProgettocoreStrategic partnership with challenger bank for 'Progetto Easy' and 'Progetto Easy Plus' chirographic financing products up to 300,000 euros, disbursed directly to SMEs in record time. Banca Progetto disbursed 60% of its SME financing through fintech in 2022.
- Skal International ItaliaminorPartnership with Skal International Italia (70-year-old tourism organization) to support tourism enterprises through 'Progetto Easy Plus', involving Skal Club Palermo.
- Banca del FucinocorePartnership for 'SPEED' product enabling rapid credit access, plus facilitated finance services through Andrea Miccio's Finanza d'Impresa division.
- Agrifidi NovaraminorMerger through incorporation of Agrifidi Novara into Fidimed, expanding presence in North-West Italy and adding agricultural sector expertise.
- Mediocredito Centrale (MCC)corePartnership for government guarantee schemes: free guarantee up to 70% on bank financing for tourism enterprises (plus 10% Fidimed counter-guarantee), and 80% guarantee for microcredit programs including 'Microcredito di Libertà'. Fidimed is registered intermediary.
- ISMEAcorePartnership for agricultural subsidies: grants up to 35% of eligible expenses, zero-interest mortgages up to 1.5 million euros, and 100% guarantee on bank financing up to 62,000 euros for agricultural and fishing enterprises.
- Ente Nazionale per il MicrocreditocorePartnership for 'Microcredito di Libertà' - zero-interest microcredit up to 50,000 euros for women victims of violence. Funded by Dipartimento delle Pari Opportunità with 3 million euros. Fidimed is the first intermediary in Italy to join this program.
- Cassa Depositi e Prestiti (CDP)coreAccredited intermediary for tax credit cession from building bonuses (Superbonus 110%, ecobonus, etc.), enabling construction and energy efficiency companies to recover credits quickly.
- ABI (Associazione Bancaria Italiana)corePartner in 'Microcredito di Libertà' protocol alongside Federcasse and Caritas, facilitated through ABI's banking network.
- FedercassecorePartner in 'Microcredito di Libertà' protocol alongside ABI and Caritas, leveraging cooperative banking network.
- Caritas ItalianacorePartner in 'Microcredito di Libertà' through anti-violence centers and shelter homes network, helping connect women victims of violence with the microcredit program.
- DelBarba Consulting (Gruppo Cerved)minorPartnership for facilitated finance consulting, including Nuova Sabatini and tax credit products, presented at Fidimed seminars.
- ConfeserfidiminorSicilian Confidi partner working together on European financing advocacy, particularly for collective guarantee consortia recognition in EU financial system.
- FederconfidiminorNational Confidi federation represented by Vice President Giancarlo Abete at Fidimed events.
- Camera di Commercio di Palermo ed EnnaminorLocal chamber of commerce partner for 'Microcredito di Libertà' project and other initiatives.
Scale indicators10 records
Recent moves11 records
Expansion highlights6 records
Fidimed Confidi Nazionale competitors and assessment
Company assessmentDirect peers
- Confeserfidi: Italian confidi based in Sicily providing collective guarantees and credit access support to SMEs; directly comparable to Fidimed as a regional/national mutual guarantee consortium serving similar SME segments with similar guarantee and intermediation products.
- Credimi: Italy's leading fintech platform for SME financing, providing instant credit assessment and lending via digital channels. Directly comparable as a nondepository SME credit intermediary using technology to streamline credit evaluation, competing for the same SME borrower base.
- October Italia: European (with Italian operations) digital SME lending platform providing direct financing to small businesses. Comparable as a fintech alternative in SME credit intermediation, competing for similar borrowers.
- Confidi PMI (vari): Network of Italian mutual guarantee consortia (Confidicoop, Confidustria, etc.) serving SMEs across Italy with collective guarantees and credit facilitation. Direct peers to Fidimed as same-category entities under Bank of Italy supervision.
- Banca Progetto: Italian challenger bank specializing in SME and retail lending through digital channels. A key channel partner for Fidimed's Progetto Easy products, and directly comparable as a digital-first SME credit provider in Italy.
Broad incumbents
- Cassa Depositi e Prestiti (CDP): Italian state financial institution supporting national economic development. Comparable as the institutional entity under which Fidimed is accredited for tax credit operations (Bonus Edilizi) and broader public credit programs.
Emerging players
- Mediocredito Centrale: Italian state-owned financial institution (Invitalia group) managing national guarantee funds for SMEs. Comparable as a key institutional player in Italy's SME guarantee ecosystem where Fidimed operates as an accredited intermediary.
Regional players
- Sella Credit: Italian consumer and SME credit provider within the Sella banking group. Comparable as a nondepository credit intermediary serving Italian SMEs and consumers with similar lending and credit products.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Fidimed Confidi Nazionale social profiles
Digital presenceFidimed Confidi Nazionale compliance and trust
Trust signalCompliance4 records
Fidimed Confidi Nazionale financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fidimed Confidi Nazionale leadership team
Management profileNumber of profiles
Profiles8 records
Fidimed Confidi Nazionale funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fidimed Confidi Nazionale 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 Fidimed Confidi Nazionale
What does Fidimed Confidi Nazionale do?
Fidimed Confidi Nazionale is an Italian financial intermediary supervised under Article 106 TUB that issues collective bank guarantees and direct surety bonds, and provides direct financing to small and medium enterprises. The cooperative also delivers financial capacity certifications, microcredit programs (including Microcredito di Libertà), tax credit transfer services, and access to subsidized public funding channels through partnerships with Italian banks and government entities.
Is Fidimed Confidi Nazionale a public or private company?
Fidimed Confidi Nazionale is a private company. It is classified as management employee owned and is currently operating.
When was Fidimed Confidi Nazionale founded?
Fidimed Confidi Nazionale was founded in 2005. It employs 11 to 50 people.
Where is Fidimed Confidi Nazionale based?
Fidimed Confidi Nazionale is headquartered in Palermo, Italy, in the Europe region.
How does Fidimed Confidi Nazionale make money?
Five revenue lines are on record. Guarantee Fees are the primary driver. The others are direct Financing, fideiussioni (Surety Bonds), financial Advisory Services and tax Credit Cession.
Who are Fidimed Confidi Nazionale's main competitors?
Direct peers on record are Confeserfidi, Credimi, October Italia, Confidi PMI (vari) and Banca Progetto. Cassa Depositi e Prestiti (CDP) is listed as a broad incumbent. Mediocredito Centrale is listed as an emerging player. Sella Credit is listed as a regional player.
Does Fidimed Confidi Nazionale have an API?
No public API is recorded for Fidimed Confidi Nazionale.
What industry is Fidimed Confidi Nazionale in?
Fidimed Confidi Nazionale's product category is SME Credit Guarantee Services. Its primary akta.pro industry code is FSAEAEAM, Personal Loan & Unsecured Credit Intermediation. Its NAICS code is 5222 and its SIC code is 6163.