Financing Programs and Credit Plans
IRFIS offers a structured range of financing programs designed to address the diverse needs of Sicilian businesses, from early-stage start-ups to established enterprises pursuing major capital investments. Each program is calibrated to a different business profile, investment size, and strategic objective, ensuring that every applicant can find a suitable and cost-effective solution. Our programs are funded through a combination of regional resources, national funds, and European Union instruments, which allows us to offer highly competitive terms. Contact our advisory team to determine which program best matches your project and financial profile.
Start & Grow
From €10,000
Designed for micro-enterprises, start-ups, and self-employed professionals taking their first steps in the Sicilian market, with streamlined application procedures and subsidized interest rates.
- Loans from €10,000 to €100,000
- Subsidized interest rate (below market benchmark)
- Repayment period up to 7 years
- Simplified eligibility assessment
- Access to complementary public grant components
SME Development
From €100,000
Tailored for small and medium-sized enterprises investing in expansion, modernisation, or new market development, with flexible structures and support from a dedicated relationship manager.
- Loans from €100,000 to €1,500,000
- Fixed or variable rate options available
- Repayment period up to 15 years
- Partial guarantee coverage for reduced collateral requirements
- Integration with EU Cohesion Policy instruments
Strategic Investment
From €1,500,000
Structured for large enterprises, cooperatives, and investment project sponsors requiring complex financing arrangements for significant capital expenditure or infrastructure development in Sicily.
- Loans above €1,500,000 with bespoke structuring
- Project finance and co-financing solutions
- Long repayment horizons up to 20 years
- Full compliance with EU state aid regulations
- Dedicated project assessment and monitoring support