COFIDI.IT SOC. COOP. was founded on the belief that access to credit should not be a privilege reserved for large enterprises with extensive collateral. Our mission is to level the playing field by providing cooperative guarantee structures that empower small and medium-sized businesses to compete, invest, and grow. We are committed to strengthening the financial resilience of our member businesses through responsible intermediation and transparent governance. Over the coming years, we aim to expand our guarantee fund, deepen our partnerships with national and European financial institutions, and continuously improve the speed and quality of our services. As a cooperative, our success is measured not by profit alone, but by the tangible impact we have on the businesses and communities we serve. We believe that a strong SME sector is the foundation of a healthy regional economy, and we are determined to play an active role in building it.
We are actively growing our mutual guarantee fund through new memberships and reinvestment of cooperative surpluses. A larger fund allows us to issue higher-value guarantees and support more businesses simultaneously. This growth directly translates into broader credit access for SMEs across all sectors.
COFIDI.IT SOC. COOP. continuously seeks to establish new agreements with banks, credit unions, and alternative lenders. Wider banking partnerships mean more competitive financing options for our members. Our goal is to give every member business access to the most suitable lender for their specific needs.
We invest significant effort in staying current with evolving EU structural funds and national public guarantee schemes. By aligning our guarantee products with available public instruments, we maximise the leverage and value of every guarantee we issue. Our members benefit from combinations of cooperative and public guarantees that reduce borrowing costs substantially.
We are investing in digital infrastructure to make the application and guarantee issuance process faster and more transparent for members. Our goal is to provide a fully digital application journey that reduces paperwork and shortens decision timelines. Technology should serve the member, not add complexity.
We are expanding our advisory team to provide deeper, more sector-specific guidance to member businesses. This includes structured workshops, one-to-one consultations, and access to financial planning resources. Informed businesses make better financing decisions, and that benefits the entire cooperative.
As a cooperative, we are committed to the highest standards of transparency in how we manage the guarantee fund and report to members. We publish regular reports on fund performance, guarantee volumes, and financial outcomes. Members have a genuine voice in governance decisions through our democratic cooperative structure.
We recognise that young businesses face the greatest barriers to credit access and are committed to developing guarantee products specifically designed for start-ups and early-stage enterprises. By reducing the risk perceived by lenders, we help new businesses establish credit histories and build lasting banking relationships. Investing in new businesses today means a stronger local economy tomorrow.
Many small businesses struggle with credit access not because of poor fundamentals, but because they lack the knowledge to present their case effectively to lenders. COFIDI.IT SOC. COOP. runs educational initiatives to help business owners understand credit scoring, financial documentation, and lender expectations. An informed SME sector is a more resilient one.
We measure success not by the number of transactions we process but by the long-term growth of our member businesses. Our advisors maintain ongoing relationships with members, monitoring their financial trajectory and proactively identifying new opportunities for support. We are a partner for the life of your business, not just for a single loan.