Empowering Small Businesses Through Collective Guarantee

FIDIMED – Società Cooperativa di Garanzia Collettiva dei Fidi per Azioni – is a member-owned collective guarantee cooperative dedicated to strengthening the financial position of small and medium-sized enterprises. By pooling the credit risk of its member businesses, FIDIMED enables access to bank credit and direct financing that would otherwise remain out of reach. Our cooperative model means that every member benefits from shared resources, lower borrowing costs, and a stronger negotiating position with lending institutions. Since our founding, we have supported hundreds of businesses across multiple sectors, facilitating millions in guaranteed credit lines and direct loans. We operate with full transparency, prudent risk management, and an unwavering commitment to the long-term success of our members.

What We Do

SME Credit Guarantees

Direct Business Lending

Commercial Surety Bonds

Working Capital Financing

Why the Cooperative Model Works

Credit Risk Sharing

Non-Bank Finance Access

Transparent Governance