SIAGI: making credit more accessible for small businesses

SIAGI's role

SIAGI is a mutual guarantee society that provides a guarantee to banks granting credit to small businesses. Its involvement shares the credit risk and can make it easier to obtain financing, particularly for crafts, trade, the professions, services, and certain agricultural activities.

Guarantees and solutions

The official offerings include, among others, a guarantee assessed on a case-by-case basis, a 5/50 guarantee for certain loans of €5,000 to €50,000, a delegation of decision-making to banks for certain growth projects, as well as territorial pre-guarantee solutions and guarantees related to business transfer-takeover or working-capital needs.

Eligible businesses

Depending on the offer, beneficiaries can include craftspeople, shopkeepers, service companies, the professions, associations, and agricultural businesses. Size thresholds, excluded activities, company age, financial situation, and the type of eligible credit vary by guarantee.

What financing can be guaranteed?

Operations can cover certain loans related to business creation, transfer-takeover, or growth, as well as tangible or intangible investments and, in specific offers, working-capital needs. The bank remains the lender and sets the terms of the credit.

How do I apply for a guarantee?

The process generally goes through the bank, which requests the SIAGI guarantee. Depending on the product, the application can be filed on GarantiePro, reviewed under a delegation arrangement, or analysed case by case with the regional team. A pre-guarantee may be possible for certain projects.

Frequently asked questions

Does SIAGI pay out a grant? No: its main role is to guarantee bank loans. Should the business contact SIAGI directly? Most often, the guarantee request is made by the bank, although pre-guarantee and eligibility-test pathways do exist. Are all sectors accepted? No, criteria and exclusions apply depending on the offer.

Official sources

• Our offers — SIAGI
• SIAGI guarantee — case by case — SIAGI
• Guarantee 5/50 — SIAGI
• Delegation — SIAGI
• Cash-flow reinforcement — SIAGI
• About us — SIAGI
• Partners — SIAGI