Credit guarantees that open doors for Italian enterprises
FIDIMED is a cooperative guarantee consortium based in Palermo. We help small and medium-sized businesses secure bank financing through collective credit guarantees — reducing collateral requirements and improving lending terms.
Activity areas serving Sicilian businesses
From credit access to fund management, our cooperative works alongside enterprises at every stage of their financial journey.
Collective guarantees for bank financing
As a Confidi cooperative, FIDIMED pools the creditworthiness of member businesses to provide guarantees that banks trust. Members gain access to loans with lower collateral requirements, better interest rates, and longer repayment terms — all through the strength of the collective.
Managing public and private guarantee funds
We administer guarantee funds on behalf of public institutions, regional development bodies, and private partners. Our role ensures that resources are allocated efficiently, eligibility is assessed fairly, and every guarantee issued meets rigorous financial standards.
Guiding SMEs through the lending process
Securing credit can be complex. Our team walks member businesses through every step — from preparing documentation to negotiating with banks. We assess financial health, identify suitable financing instruments, and advocate on behalf of enterprises throughout the approval process.
Shared risk, collective strength
The cooperative model means risk is distributed across the membership. We conduct thorough financial analysis of each guarantee request, maintaining a healthy portfolio that protects all members. When one business succeeds, the collective benefits — that is the foundation of mutual guarantee consortia.
Our principles
Every guarantee we issue is grounded in cooperative values and sound financial practice.
Mutual solidarity
Members stand behind one another. The collective guarantee means each enterprise contributes to and benefits from the shared creditworthiness of the group.
Financial rigour
We apply disciplined risk assessment to every request. A healthy portfolio protects members and ensures the cooperative can honour its commitments to banks.
Banking partnerships
We maintain trusted relationships with lending institutions across Sicily and Italy, negotiating terms that give our members real advantages at the negotiating table.
Local knowledge
Based in Palermo, we understand the Sicilian economic landscape. Our team knows the sectors, the challenges, and the opportunities that define enterprise in the region.
Transparency
Members receive clear information about guarantee terms, costs, and obligations. No hidden clauses, no surprise conditions — just straightforward cooperative finance.
Regulatory compliance
FIDIMED operates within the Italian regulatory framework for Confidi, adhering to Basel standards and supervised by the Bank of Italy to safeguard member interests.
Ready to explore membership?
Talk to our team about how a FIDIMED guarantee can strengthen your next financing request.
Contact us