X Garantito loan
A solution designed for small and medium enterprises. Find out if you can apply for € 25,000 up to € 3,000,000.
For all details see the information sheet in Trasparency
Want some details?Up to 3,000,000 euro to be repaid, in instalments, from 12 to 60 months
X Garantito is designed for corporations that have been established for at least two years and have a minimum turnover of EUR 70,000.
For the minimum requirements for applying for the loan and for any further details please consult the information sheet in Transparency.
You are covered up to 80% of your loan by the SME Guarantee Fund. Information sheet in Transparency.
Apply online. It's quick and easy.
Request from 25,000 euro up to 3,000,000 euro.
You can choose whether to apply for the fixed or variable rate.
What do you need?
The process is simple and straightforward: keep the things on this list handy to facilitate it.
- 01Last approved financial statements
filed in the commercial register or equivalent accounting documents.
- 02A device with webcam and camera
such as a computer, tablet or smartphone.
- 03VAT number
of your business.
- 04Tax Code
of the company's legal representative.
- 05Bank statements
from the banks connected to your business.
- 06SPID/CIE credentials & related ID document
of the legal representative or person with signatory power.
Still not sure?
Who can apply for X Garantito?
Joint-stock companies classified as SMEs on the basis of European Commission Recommendation 2003/361/EC of 6 May 2003, with a minimum turnover of EUR 70,000 and established for at least two years. For the minimum requirements to apply and for any further details please consult the information sheet in Transparency.
How much can I ask?
With X Garantito you can request an amount ranging from a minimum of EUR 25,000 up to a maximum of EUR 3,000,000. Please note that the amount you request must not exceed 35 per cent of the previous year's turnover.
how quickly is the loan disbursed?
For X Garantito you will receive feedback from us within a few days, while for the disbursement of the loan you will have to consider a few weeks, as the timeframe includes processing time by the SME Guarantee Fund. The entire sum will be debited directly from the current account you provided us with at the application stage. Please note that after signing the contract and before disbursing the loan, we may ask you for a few more details about your application.
