Funding a business - Obtaining access to finance at national level

Last updated on 28 November 2020 by the Ministry of Economic Development

 

You can access various financing schemes in Italy. Below is the list of schemes run by the Ministero dello Sviluppo economico [Ministry of Economic Development].

 

Capital assets – Nuova Sabatini

This is a financing scheme designed to facilitate access to credit for businesses and to boost the competitiveness of Italy’s manufacturing sector. The measure supports investments in the purchase or leasing of machinery, equipment, plant, capital assets for manufacturing use and hardware, in addition to software and digital technology.

Who is eligible?

Micro, small and medium-sized enterprises.

Who manages the scheme?

Ministry of Economic Development with technical support from the Agenzia nazionale per l’attrazione degli investimenti e lo sviluppo d’impresa SpA [National Agency for Inward Investment and Economic Development] – Invitalia.

How to apply

By following the instructions on the page Beni strumentali ("Nuova Sabatini") – Presentazione domande [Capital assets (‘Nuova Sabatini’) – Applications]

 

Incentives for businesses to expand and strengthen the social economy

This financing scheme, the result of a joint initiative between the Ministry of Economic Development, Ministero del lavoro e delle politiche sociali [Ministry of Employment and Social Policy] and Cassa Depositi e Prestiti, seeks to promote the expansion and strengthening of the social economy by supporting the creation and growth of businesses that operate nationwide in the public interest and for the benefit of society.

  • Who is eligible? Social enterprises, social cooperatives and related consortia, as well as cooperatives with non-profit status.

Who manages the scheme?

Ministry of Economic Development with technical support from the National Agency for Inward Investment and Economic Development – Invitalia.

How to apply

By following the instructions on the page Agevolazioni alle imprese per la diffusione e il rafforzamento dell’economia sociale [Incentives for businesses to expand and strengthen the social economy]

 

Nuova Marcora – Creation and development of small and medium-sized cooperatives

The ‘Nuova Marcora’ scheme consists of a subsidised loan for cooperatives whose shareholders, under the Legge Marcora [Marcora Law], include the finance companies in which the Ministry of Economic Development has a stake.

Who is eligible?

Cooperatives whose shareholders, under the Marcora Law, include the finance companies in which the Ministry of Economic Development has a stake (Soficoop sc and CFI Scpa).

Who manages the scheme?

CFI – Cooperazione Finanza Impresa Scpa

How to apply

By following the instructions on the page Nascita e sviluppo di società cooperative di piccola e media dimensione (Nuova Marcora) [Creation and development of small and medium-sized cooperatives (Nuova Marcora)]

 

Guarantee fund for small and medium-sized enterprises

The guarantee fund for small and medium-sized enterprises is designed to facilitate access to funding for small and medium-sized enterprises by granting a public guarantee which supplements and often replaces the collateral provided by businesses. Thanks to the fund, businesses have a real chance of securing loans without having to provide additional security for the amounts guaranteed by the fund.

Who is eligible?

Micro, small and medium-sized enterprises.

Who manages the scheme?

Temporary consortia composed of: Mediocredito Centrale (lead bank), Mediocredito Italiano, Artigiancassa, MPS and Depo Bank.

How to apply

By following the instructions on the page

Conosci il Fondo [About the fund]

 

Businesses previously confiscated or seized from organised crime

Measure aimed at supporting development programmes that restore to the community company assets previously managed by organised crime, developing new manufacturing activities and safeguarding existing jobs. The incentive consists of a zero-rate subsidised loan for up to 100% of the eligible development scheme, for amounts of between EUR 50 000 and EUR 700 000.

Who is eligible?

Businesses of any size operating in all sectors throughout Italy and in the following situations:

  • businesses that have been seized or confiscated from organised crime;
  • businesses that have purchased or leased seized or confiscated companies or their business units;
  • social cooperatives awarded confiscated immovable property;
  • cooperatives of employees of the confiscated business, tenants or assignees of confiscated company assets.

Who manages the scheme?

Ministry of Economic Development with technical support from the National Agency for Inward Investment and Economic Development – Invitalia.

How to apply

You must apply online via the page Agevolazioni DGIAI [DGIAI incentives], in the section ‘Accoglienza Istanze DGIAI’ [DGIAI applications].

 

Transfer of guarantees issued by companies or guarantee institutions in liquidation

This measure is aimed at facilitating the transfer of guarantees provided by companies and guarantee institutions placed in liquidation to financially sound and fully operational credit guarantee funds, with a view to minimising the negative impact on Italian small and medium-sized enterprises (SMEs).

Who is eligible?

Credit guarantee funds listed in the register of financial intermediaries, which:

  • have applied for or obtained a grant to set up a risk reserve;
  • have taken on, as guarantors, guarantees on performing loans previously issued to SMEs by companies and guarantee institutions placed in liquidation. The transfer must have taken place after 28 September 2017.

Who manages the scheme?

Ministry of Economic Development with technical support from the National Agency for Inward Investment and Economic Development – Invitalia.

How to apply

By following the instructions on the page Subentro in garanzie rilasciate da società o enti di garanzia in liquidazione [Transfer of guarantees issued by companies or guarantee institutions in liquidation].

 

Subsidised loans for SMEs affected by non-payment

The credit fund for SMEs and professionals affected by non-payment offers zero-rate loans of up to EUR 500 000 for a maximum of 10 years for small and medium-sized enterprises and professionals facing a potential liquidity crisis due to non-payment by debtors charged with criminal offences.

Who is eligible?

SMEs and professionals.

Who manages the scheme?

Ministry of Economic Development with technical support from the National Agency for Inward Investment and Economic Development – Invitalia.

How to apply

For their applications to be valid, SMEs must apply online at: https://agevolazionidgiai.invitalia.it – ‘Accoglienza Istanze DGIAI’ [DGIAI applications].

 

Development contracts

Incentive mechanism designed to support large-scale manufacturing, strategic and innovative investment programmes.

Who is eligible?

Italian or foreign companies of any size (in accordance with the EU regulations applicable at the time).

Who manages the scheme?

National Agency for Inward Investment and Economic Development – Invitalia, which operates under the instructions and control of the Ministry of Economic Development.

How to apply

By following the instructions on the page

Contratti di sviluppo [Development contracts]

 

DM 2 agosto 2019 – Intervento a sostegno dei progetti di ricerca e sviluppo nei settori applicativi ‘Fabbrica intelligente’, ‘Agrifood’, ‘Scienze della vita’ e ‘Calcolo ad alte prestazioni [Ministerial Decree of 2 August 2019 – Support measure for research and development projects in the following areas: ‘Smart factory’, ‘Agrifood’, ‘Life sciences’ and ‘High-performance computing’]

Financial support for research and development (R&D) projects in the following areas of the national smart specialisation strategy: the ‘Smart factory’, ‘Agrifood’, ‘Life sciences’ and ‘High-performance computing’.

Who is eligible?

Companies of any size involved in industrial, agro-industrial, craft and industrial service activities and research centres.

Who manages the scheme?

Mediocredito Centrale SpA.

How to apply

By following the instructions on the page Nuovo Bando ‘Fabbrica intelligente, Agrifood, Scienze della vita’ e ‘Calcolo ad alte prestazioni’ – Accordi per l’innovazione [New contract notice entitled ‘Smart factory, agrifood and life sciences’ and ‘High-performance computing’ – Innovation agreements]

 

Revitalisation of areas affected by industrial decline (Law 181/89)

Measure aimed at reviving industry, protecting jobs and supporting investment programmes and business development in areas affected by industrial and sectoral decline.

Who is eligible?

Businesses set up in the form of limited companies, cooperatives and consortia. Business networks that have adopted the network agreement model are also eligible.

Who manages the schemes?

National Agency for Inward Investment and Economic Development – Invitalia.

How to apply:

By following the instructions on the page Rilancio aree di crisi industriale (Legge 181/89) [Revitalisation of areas affected by industrial decline (Law 181/89)]

 

Smart & Start

Measure aimed at supporting the creation and growth of innovative tech start-ups to foster a business culture built around the digital economy, to showcase the results of scientific and technological research and to encourage the reversal of the ‘brain drain’.

Who is eligible?

Small innovative start-ups based throughout Italy and trading for no more than 60 months at the time of the application.

Who manages the scheme?

National Agency for Inward Investment and Economic Development – Invitalia.

How to apply

By following the instructions on the page Sostegno alle startup innovative (Smart & Start Italia) [Support for innovative start-ups (Smart & Start Italia)]

 

New zero-rate businesses

Measure aimed at the creation of micro and small enterprises made up mainly of young people between the ages of 18 and 35 or women of all ages.

Who is eligible?

The incentives are aimed at companies made up mainly of young people between the ages of 18 and 35 or women of all ages, as well as sole traders, provided their business is incorporated within 45 days of the incentives being granted.

Who manages the scheme?

National Agency for Inward Investment and Economic Development – Invitalia.

How to apply

By following the instructions on the page

Misure per l’autoimprenditorialità - Nuove imprese a tasso zero [Measures for entrepreneurship – New zero-rate businesses]

 

Innovative machinery

Measure aimed at supporting the implementation, in the Basilicata, Calabria, Campania, Apulia and Sicily regions, of investment programmes designed to facilitate the technological and digital transformation of businesses or promote the transition of the manufacturing sector towards the circular economy.

Who is eligible?

Micro, small and medium-sized enterprises, business networks and self-employed professionals registered with professional bodies or members of professional bodies on the list held by the Ministry of Economic Development.

Who manages the scheme?

Ministry of Economic Development with technical support from the National Agency for Inward Investment and Economic Development – Invitalia.

How to apply

By following the instructions on the page

Nuovo bando Macchinari innovativi [New contract notice: Innovative machinery]

 

Intelligent public demand

This measure is aimed at stimulating innovation through innovative tenders and/or pre-commercial procurement, while providing solutions to the needs identified by government.

Who is eligible?

Companies and other economic operators, including in association with research centres and/or organisations.

Who manages the scheme?

Agenzia per l’Italia digitale (AgID) [Agency for Digital Italy].

How to apply

By following the instructions on the page Bandi di domanda pubblica intelligente: firmato accordo AgID- Mise [Contract notices for intelligent public demand: signed AgID-Mise agreement]

 

3I voucher

Measure aimed at supporting the innovative and competitive capacity of start-ups by financing the consulting services needed to promote and protect their innovation processes in Italy and abroad using industrial patents.

Who is eligible?

Innovative start-ups.

Who manages the scheme?

National Agency for Inward Investment and Economic Development – Invitalia.

How to apply

You may only apply online via the Invitalia website.

VOUCHER 3I - Presenta la domanda [3I VOUCHER – Apply]

 

Brevetti+

Measure aimed at supporting the innovative and competitive capacity of SMEs through the development and economic exploitation of patents in national and international markets.

Who is eligible?

Micro, small and medium-sized enterprises.

Who manages the scheme?

National Agency for Inward Investment and Economic Development – Invitalia.

How to apply

You may only apply online via the Invitalia website.

BREVETTI+ – Presenta la domanda [BREVETTI+ – Apply]

 

Marchi+3

Incentive scheme for businesses to facilitate the registration of EU and international trade marks.

Who is eligible?

Micro, small and medium-sized enterprises.

Who manages the scheme?

Unioncamere.

How to apply

Follow the instructions on the page Come fare per accedere alle agevolazioni [How to access the incentives]

 

Disegni+4

Scheme to grant incentives to businesses for the development of designs

Who is eligible?

Micro, small and medium-sized enterprises.

Who manages the scheme?

Unioncamere.

How to apply

By following the instructions on the page Come fare per accedere alle agevolazioni [How to access the incentives]

 

Relevant legislation

  • Marcora Law (Law 49/85)
  • Legge 662/1996 [Law 662/1996], Article 2(100)(a) – Measures to rationalise public finances, guarantee fund for small and medium-sized enterprises.

 

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