Explore FIDIMED's Financial Solutions

FIDIMED offers a structured range of financial guarantee products designed to address the diverse credit needs of cooperative members across sectors. Whether your business requires an investment loan guarantee, a revolving credit facility, or support for a specific commercial contract, our product suite is built to deliver practical, bankable solutions. Each product is developed in consultation with leading financial institutions, ensuring that our guarantees are accepted and respected across the banking sector. We continuously refine our offerings based on market feedback and regulatory developments, so that members always have access to the most effective instruments available. Explore our principal service areas below and discover how FIDIMED can help your enterprise unlock its full financing potential.

FIDIMED guarantees medium and long-term investment loans for SMEs pursuing capital expenditure, equipment acquisition, or facility expansion. Our guarantees cover a defined portion of the loan principal, substantially reducing the bank's exposure and improving approval conditions for the borrower.

We support revolving and short-term credit facility guarantees that allow businesses to manage cash flow and operational expenditure without exhausting their own collateral resources. These facilities are structured to align with seasonal and cyclical business patterns.

Newer enterprises often face the steepest barriers to credit access. FIDIMED has developed specific guarantee products for start-ups and rapidly scaling businesses, providing the credibility bridge that these companies need to secure their first significant bank financing.

FIDIMED participates in counter-guarantee programmes offered by national and European guarantee institutions, amplifying the coverage available to member businesses and reducing the cooperative's own risk exposure. This allows us to guarantee larger loan amounts than would otherwise be possible.

We design guarantee programmes tailored to the specific characteristics of individual industry sectors, including manufacturing, trade, services, and agri-business. Sector-specific programmes reflect the typical asset bases, cash flow cycles, and risk profiles of each industry.

FIDIMED supports members seeking financing for environmentally sustainable investments, including energy efficiency upgrades, renewable energy installations, and green logistics. These guarantees are often aligned with EU-funded programmes that provide additional incentives for eligible projects.

On behalf of public bodies and development agencies, FIDIMED manages dedicated guarantee funds designed to stimulate credit in underserved markets or specific geographic areas. This service extends our impact beyond our direct membership base.

Before issuing a guarantee, our analysts conduct a thorough financial health assessment of the applying member, identifying strengths, risks, and the most suitable guarantee structure. This process also provides valuable feedback that members can use to improve their financial management.

Each member company is assigned a dedicated relationship manager who coordinates all guarantee applications, monitors ongoing facilities, and proactively identifies new financing opportunities. This personalised approach ensures continuity and efficiency.

Our compliance team keeps members informed of changes in banking regulation, state aid rules, and guarantee scheme requirements that may affect their financing arrangements. We provide practical guidance to ensure that all guarantee transactions remain fully compliant.