The operative truth
Terms
| Administering body | Mediocredito Centrale for the Ministry of Enterprise |
|---|---|
| Instrument type | Guarantees |
| Tier | National Instruments |
| Ceiling | €5,000,000 per enterprise |
| Coverage | Up to 80% of the loan |
| Cost of money | n/a — guarantee only |
| Term | Matches the underlying loan |
| Earliest reachable | Month 0 |
| Application to cash | 20–60 days, usually in parallel with the loan |
Who qualifies
Small and medium enterprises including sole traders and agricultural undertakings. New enterprises qualify; the guarantee exists precisely to serve borrowers without security.
What it funds
It does not provide money. It stands behind a bank loan so that a founder without property or guarantors can borrow at all.
What disqualifies an applicant
What it stacks with
These instruments combine with this one. Grants generally cannot double-fund the same cost, but different components of the same project may each carry their own support, and tax credits stack more freely with grants than grants do with each other.
National Microcredit
Enterprises under five years old, self-employed persons, and holders of a VAT number with fewer than five employees.…
ISMEA First Establishment
Persons aged eighteen to forty-one establishing for the first time as head of an agricultural holding, or agricultural…
Stay in the South
Residents of the eight southern regions plus the earthquake-affected central areas and the designated inner-area communes, aged eighteen…
Artisan Enterprise Finance
Enterprises enrolled in the artisan register.
Mutual Guarantee Consortium
Member enterprises, generally within a sector or region. Membership requires a modest share subscription.
Ventures this funds
83 venture types in the atlas list this instrument in their capital stack.
Extra-Virgin Olive Oil Mill (Frantoio)
A cold-extraction mill pressing your own and neighbours' olives into bottled extra-virgin oil sold under your own label.
12–20 months
Estate Winery (Cantina)
Vineyard, cellar and bottling under a single estate label, sold direct, through importers and at the cellar door.
24–40 months
Natural and Low-Intervention Wine
Small-volume wine made without added sulphites or industrial correction, sold to a specialist international trade.
20–34 months
Vermouth and Botanical Aperitivo
Aromatised fortified wine built from local wild and cultivated botanicals, a high-margin use for ordinary base wine.
8–14 months
Table Grape and Fresh Fruit Holding
Fresh fruit grown for the domestic and export fresh market, packed and sold through cooperatives or direct contracts.
14–30 months
Almond, Hazelnut and Walnut Orchard
Nut cultivation with on-farm shelling and roasting for confectionery and retail supply.
30–48 months
Farmhouse Cheese Dairy (Caseificio)
On-farm transformation of your own milk into fresh and aged cheese sold direct and to specialist retail.
8–16 months
Cured Meats Workshop (Salumificio)
Small-batch curing of regional salumi from local pigs, aged on site and sold under a traceable estate label.
14–26 months
Rare-Breed Pig Rearing
Semi-wild rearing of native pig breeds for premium fresh meat and for supply to artisan curers.
14–24 months
Truffle Cultivation and Harvest
Managed truffle ground, inoculated plantation or harvesting rights, supplying fresh truffle and preserved products.
12 months harvesting; 60–96 months for a new plantation
Speciality Mushroom Growing
Indoor cultivation of oyster, shiitake and lion's mane on agricultural residues, harvested year-round.
4–9 months
Tomato and Passata Transformation
Field tomatoes transformed on site into passata, peeled tomatoes and concentrate under an estate label.
9–16 months
Preserves, Jams and Condiments
Small-batch preserving of fruit and vegetables into jams, mostarde and condiments, using second-grade produce.
4–9 months
Fresh Pasta Workshop
Fresh and dried pasta made from identified regional grain, sold at retail, to restaurants and by post.
5–11 months
Craft Brewery (Birrificio Agricolo)
Farmhouse brewery using own or local barley and hops, with a taproom attached.
8–15 months
Artisan Distillery — Gin and Grappa
Botanical gin and pomace grappa distilled from local material and sold into the premium spirits trade.
10–18 months
Non-Alcoholic Botanical Drinks
Shrubs, kombucha, botanical sodas and alcohol-free aperitivi made from local fruit and herbs.
5–11 months
Small-Scale Coastal Fishing with Direct Sale
Day-boat fishing selling landed catch direct to households and restaurants rather than through auction.
3–8 months
Freshwater Aquaculture
Trout and native species raised in spring-fed raceways, sold fresh, smoked and to restocking markets.
10–20 months
Shellfish and Mussel Farming
Rope-cultured mussels and clams in coastal waters, purified and sold to wholesale and direct channels.
12–22 months
Compost and Soil Amendment Production
Conversion of agricultural and municipal green waste into certified compost and soil amendments.
8–16 months
Insect Protein and Feed Production
Black soldier fly and mealworm rearing on food-industry residues for aquaculture and pet feed.
10–18 months
Hydroponic and Vertical Growing
Controlled-environment production of leaf, herb and micro-green crops close to urban markets.
6–12 months
Classic Agriturismo
Farm accommodation and table service legally tied to a working agricultural holding, the single most powerful income multiplier in Italian rural enterprise.
10–18 months
Note on sources. This page is generated from the VentureItalica research registry. Figures and legal references reflect the corpus as verified at the last review and are indicative rather than advice. Instruments change; always confirm the current call text with the administering body before acting.
