Home / Grants & incentives / SME Guarantee Fund
Access to credit

SME Guarantee Fund

Public MIMIT guarantee designed to facilitate access to finance for eligible SMEs and professionals. It is not a grant and the application is submitted through a bank or Confidi.

StatusActiveUpdated: September 2026
Who it is forEligible SMEs and professionals under the Fund’s operating rules and assessment framework.
SupportIn 2026, direct guarantee is generally 80% for investment financing and 50% for liquidity operations, with specific categories and special sections applying different rules.
GeographyItaly
Project sizeDepends on the financing transaction
TimingThe request is submitted through a bank or Confidi; the Fund checks access requirements and resolves under its procedures.
At a glance

Key points

  • Direct guarantee up to 80% for investment transactions
  • Ordinary 50% coverage for liquidity transactions in 2026
  • Specific coverage for startups, innovative SMEs, microcredit and other qualifying categories
  • The bank submits the Fund request on behalf of the business
Eligible scope

What may qualify

  • Finance for tangible and intangible investment
  • Liquidity transactions
  • Short- and medium/long-term finance for business activity
  • Specific operations covered by special sections or reserves
Checks

What we verify first

  • A public guarantee does not mean automatic bank approval
  • The business does not file directly with the Fund
  • Coverage may change by beneficiary type, purpose and special section
Aurea Impresa pre-analysis

Before building the application, we verify whether the measure actually fits.

We check the business, ownership, location, investment, expenditure timing and available evidence. The goal is to determine early whether the application is worth pursuing.

1. EligibilityPreliminary check of applicant, project and territory.
2. CostsClassification of expenditure and applicable limits.
3. DocumentsPersonalised checklist for the application file.
4. ProcessApplication, integrations, decision and reporting.

Want to check SME Guarantee Fund for your business?

Start the public pre-analysis with the essential project information. You will get an immediate first result before creating a full case.

Start pre-analysisOfficial source