Apply in 3 minutes
Get a response in 3 days

Support your business with Banca CF+ Digital Lending,
the fast, digital loan for businesses who want to grow fast.

BancaCF+ Guaranteed Financing Digital Lending

We support your company’s cash-flow needs through loans from EUR 20,000 and up, secured by the MCC Guarantee Fund.

Banca CF+ Digital Lending is intended for SMEs that have been in business for at least 3 years, with a turnover exceeding EUR 150,000, and legal entity as Limited Companies.

Did your company’s annual turnover in the last financial year fall between EUR 150,000 and 350,000?

If your company has been established for at least 3 years, you can apply for a loan between EUR 20,000 and 40,000.

Did your company’s annual turnover in the last financial year equal or exceed EUR 350,000?

If your company has been established for at least 2 years, you can apply for a loan from EUR 20,000 and up.

Terms and conditions can be found in the Fact Sheet available in the Trasparency section of the website.

We support your business

For all cash-flow needs.

Quick turnaround

Eligibility assessment in 3 minutes*, response in 3 days**.

100% digital

No papers, no paperwork.

Support your business in 3 clicks.

  • 1

    Register in 3 minutes* from your PC or smartphone.

  • 2

    Log in to the platform and check your eligibility now.

  • 3

    Find out if the loan has been approved and its terms and conditions in 3 days**.

Is your business eligible for financing?

Find out now.

Feel confident about your loans

Here are the answers to our most frequently asked questions.

  • What is Digital Lending for Businesses?

    Digital Lending is an unsecured loan for micro, small and medium enterprises (SMEs), secured by the Fondo Centrale di Garanzia (MCC Guarantee Fund), and reserved to businesses entered in the Companies Register as ‘Limited Companies’ that fall under the definition of Micro, Small and Medium Enterprises (SMEs).

    Loan evaluation and possible granting can be done on online platforms and through digital solutions. On your personal area in the Digital Lending platform, you can follow the loan application, assessment and granting process, and monitor it over time.

  • What benefits does Banca CF+ Digital Lending offer?

    Quick Turnaround: Find out immediately whether your company is eligible for financing and apply directly from the platform. In a matter of days, you will know whether your application has been approved and under what conditions, and, if the outcome is positive, you will receive the loan amount eligible for financing.

    Transparency and Clarity: On the Digital Lending platform, you can view all loan conditions and costs, and the assessment and granting process, in a clear and transparent manner.

    100% Digital, 24/7 Access: Access the web or mobile version of the Digital Lending platform at any time, even outside standard bank branch opening hours.

  • What loan amount can I apply for?

    The loan amount you can request is specified below:

    • EUR 20,000 to EUR 40,000 for Limited Companies established for at least 3 years, with an annual turnover between EUR 150,000 and EUR 350,000 (based on their last balance sheet/financial statements).
    • EUR 20,000 to EUR 500,000 for Limited Companies established for at least 2 years, with an annual turnover equal or exceeding EUR 350,0000 (based on their last balance sheet/financial statements).

    The granting of the loan is subject, among others, to the issuance of the guarantee by the Fund.

  • Who are the recipients of Banca CF+ Digital Lending Loans?

    Digital Lending is intended for Micro and Small/Medium Enterprises (SMEs) – defined as such by Recommendation 2003/361/EC of 6 May 2003, and by the Decree of the Ministry of Industry of 18 April 2005, as amended – registered in the Companies Register as “Limited Companies”, which:

    • Have filed at least two full-year financial statements at the chamber of commerce
    • Are holders of an ATECO code eligible for the Guarantee Fund
    • Have their registered office in Italy
    • Have an annual turnover, based on their last balance sheet/financial statement, between EUR 150,000 and EUR 350,000 and have been established for at least 3 years (for loan applications between EUR 20,000 and EUR 40,000).
    • Have an annual turnover, based on their last balance sheet/financial statement, equal or exceeding EUR 350,000, and have been established for at least 2 years (for loan applications between EUR 20,000 and EUR 500,000.00).

    Terms and conditions can be found in the Fact Sheet available in the Trasparency section of the website.

  • How can I contact the Customer Service?

    You can call our Customer Service at the toll-free number 800 938874, available Monday to Friday, 9am-6pm. Alternatively, you can write to customer.banking@bancacfplus.it and we will get back to you as soon as possible.

*The timing specified (‘3 minutes’) is calculated on the average time it takes to complete the online application, excluding any time necessary for the applicant to submit all relevant documents to perform the assessment.

**The timing specified (‘3 days’) may vary, based on the applicant’s profile assessment and further verifications by the Bank. Loan approval is subject to the Bank’s unquestionable and final assessment.