Backing the businesses that drive the Italian economy
Finanziaria Promozione Terziario S.C.P.A. exists to ensure that creditworthy small and medium enterprises can access the financing they need — on fair terms, with transparent processes, and without unnecessary barriers.
Make access to credit a function of merit, not of collateral
Italy's economy runs on small and medium enterprises — the shops, workshops, service firms, and family businesses that employ millions and define the character of every town and city. Yet many of these businesses are creditworthy in every sense except the one banks measure: they lack the collateral to secure a loan on reasonable terms.
Our mission is to close that gap. By providing credit guarantees, we enable banks to say yes to businesses they'd otherwise have to decline — or to offer financing at rates the business can actually sustain. The guarantee doesn't replace the business's own creditworthiness; it unlocks it.
Headquartered in Roma, we serve Italian enterprises across every sector of the real economy — commerce, services, artisan trades, and beyond — with guarantee instruments designed for the scale and reality of small business.
Our values
Five commitments that shape how we work with every enterprise, on every guarantee.
Enterprise at the centre
Every instrument we design, every process we build, starts from the question: does this serve the business? We exist for Italian SMEs — not the other way around.
Transparency
Eligibility, coverage, and timelines are stated clearly. No hidden scoring, no conditions that appear mid-process. An SME owner should be able to understand our process as easily as we do.
Real-economy expertise
We understand the sectors we serve — the cash-flow cycles of commerce, the capital needs of artisans, the growth dynamics of service firms. That knowledge makes our assessments fairer and our instruments more useful.
Accessible to all scales
A micro-enterprise deserves the same quality of service as a mid-sized firm. We design instruments that work at every scale, because the smallest businesses are often the ones that need support most.
How we got here
Foundation
Finanziaria Promozione Terziario S.C.P.A. was established in Roma with a clear mandate: support Italian small and medium enterprises — particularly in the tertiary sector — with credit guarantee instruments that bridge the collateral gap.
Building the guarantee framework
We developed our core guarantee instruments — covering a share of bank loans to creditworthy SMEs — and established partnerships with lenders across Italy, creating a network through which guarantees could reach businesses efficiently.
Expanding beyond guarantees
Recognising that guarantees alone weren't always enough, we added liquidity facilities and business development financing to our offering — addressing the full spectrum of SME capital needs from short-term cash flow to long-term investment.
Reaching micro and artisan enterprises
We designed simplified instruments specifically for micro-enterprises and artisan workshops — businesses too small for traditional guarantee programmes but central to Italy's economic and cultural identity.
Today
We continue to serve Italian SMEs across every sector of the real economy — from the local shop to the growing service firm — with the same principle we started with: access to credit should depend on the merit of the business, not the size of its collateral.
Let's talk about your business
Whether you need a guarantee, liquidity, or development financing, we'll help you find the right instrument.
Contact us