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Obtaining access to finance at national level

Last updated on 24 April 2026 by the Ministry of Enterprises and Made in Italy

You can access various financing schemes in Italy. Below is the list of schemes run by the Ministry of Enterprises and Made in Italy:

 

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 Enterprises and Made in Italy with technical support from the National Agency for Investment Attraction and Business Development S.p.A.- Invitalia

 

Incentives for businesses to expand and strengthen the social economy

The measure supports the creation and development of entrepreneurial initiatives in the social economy by financing investment projects aimed at producing goods and services of social utility and promoting the labour inclusion of disadvantaged individuals.

The incentives are granted in the form of soft loans, which may be supplemented by non-repayable grants, depending on the characteristics of the project.

  • Who is eligible? Social enterprises, cultural and creative enterprises, social cooperatives and related consortia, as well as cooperatives with non-profit status.
  • Who manages the scheme? Ministry of Enterprises and Made in Italy with technical support from the National Agency for Investment Attraction and Business Development S.p.A. - Invitalia

 

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 financial company in which the Ministry of Enterprises and Made in Italy has a stake (CFI Scpa).
  • Who manages the scheme? CFI – Cooperazione Finanza Impresa Scpa

 

ILVA Supply Chain Fund – Non-repayable Grant (Law N. 207/2024, Article 1, Paragraph 201)

The measure supports the operational continuity of companies in the supply chain of ILVA under extraordinary administration, through the provision of a non-repayable grant aimed at offsetting the economic impacts arising from the business situation of the steel plants.

  • Who is eligible? Small and medium-sized enterprises (SMEs) that, in the 2024 financial year, generated more than 50% of their turnover from business relations with companies managing the ILVA plants under extraordinary administration.
  • Who manages the measure: Ministry of Enterprises and Made in Italy.
  • How to apply: Applications must be submitted by following the instructions provided on the dedicated webpage (Fondo indotto ILVA).

 

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 BFF Bank S.p.A (già DepoBank S.p.A.)

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 amounts of between EUR 50 000 and EUR 2.000.000.

  • 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 Enterprises and Made in Italy with technical support from the National Agency for Investment Attraction and Business Development S.p.A.

How to apply: You must apply online at the following email address This email address is being protected from spambots. You need JavaScript enabled to view it.

 

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, medium-sized enterprises and professionals facing a potential liquidity crisis due to non-payment by debtors charged with criminal offences.
  • Who manages the scheme? Ministry of Enterprises and Made in Italy with technical support from the National Agency for Investment Attraction and Business Development S.p.A. – Invitalia.
  • How to apply: You must apply online at the following email ddress This email address is being protected from spambots. You need JavaScript enabled to view it.

 

Fund for protection of employment levels and continuation of business activities

The Fund acquires minority stakes in the venture capital of companies in economic and financial difficulties that propose a restructuring plan to ensure business continuity and safeguard employment, and finances restructuring programs also through the transfer of a business.

  • Who is eligible?
    • companies that have initiated a confrontation at the business crisis structure of the Ministry of Enterprises and Made in Italy;
    • companies in economic and financial difficulty: pursuant to EU guidelines (paragraph 2.2 of Communication 2014 / C 249/01) or with inadequate prospective cash flows to regularly meet planned obligations (state of difficulty not pursuant to paragraph 2.2 of Communication 2014 / C 249/01);
    • companies that meet at least one of the following conditions: owners of historical brands of national interest with a number of employees exceeding 20; joint stock companies with a number of employees exceeding 250 (consolidated figure including temporary workers, apprentices and workers with part-time employment contracts, employed in local units located throughout the country); hold assets and relationships of strategic importance for the national interest, regardless of the number of employees.
  • Who manages the scheme? National Agency for Investment Attraction and Business Development S.p.A.  – Invitalia.

How to apply: You may only apply online via the Invitalia website. Presenta la tua impresa | Invitalia

 

Development contracts

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

  • What is eligible? Production projects; environmental projects; tourism projects (application process temporary closed); R&D projects.
  • What size? Not less than 20 million euro for industrial, environmental and tourism development programs or 7.5 million euros if the program concerns exclusively the agricultural products processing.
  • Who manages the scheme? National Agency for Investment Attraction and Business Development S.p.A. – Invitalia, which operates under the instructions and control of the Ministry of Enterprises and Made in Italy.
  • How to apply: By following the instructions on the page Contratti di sviluppo [Development contracts]

 https://www.mise.gov.it/index.php/it/incentivi/contratti-di-sviluppo

 

Fund to support industrial transition

The Fund supports companies that invest in environmental protection, and has the aim of encouraging the adaptation of the Italian production system to EU policies on the fight against climate change.

  • Who is eligible? Italian or foreign companies, of any size, active in the extractive and manufacturing sectors.
  • What is eligible? Energy efficiency projects; projects for energy production for self-consumption; circular economy projects.
  • What size? Between 3 and 20 million euros of planned investments
  • Who manages the scheme? National Agency for Investment Attraction and Business Development S.p.A.– Invitalia, which operates under the instructions and control of the Ministry of Enterprises and Made in Italy.
  • How to apply: you can follow the instructions on the following page dedicated to the Industrial Transition Support Fund

https://www.mimit.gov.it/it/incentivi/fondo-per-il-sostegno-alla-transizione-industriale

 

Research and development projects for the circular economy - DM 11 giugno 2020

Intervention by the “Fund for Sustainable Growth” for research and development projects in the circular economy to support research, development and testing of innovative solutions for the efficient and sustainable use of resources, with the aim of promoting the conversion of production activities towards a circular economy model in which the value of products, materials and resources is maintained for as long as possible, and the production of waste is reduced to a minimum.

  • who can participate: Companies of any size that carry out industrial, agro-industrial, artisan, industrial services and research centers, which submit projects individually or jointly.
  • who is responsible for managing the programs: National Agency for Investment Attraction and Business Development S.p.A. - Invitalia.

 

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 Investment Attraction and Business Development S.p.A. – Invitalia

 

Smart & Start

Smart&Start Italia is a facilitation tool established by decree of the Minister of Economic Development of 24 September 2014 and subsequent amendments and additions, to promote, throughout the national territory, the conditions for the spread of new entrepreneurship and support policies for technology transfer and economic exploitation of the results of the public and private research system.

Who is eligible? Innovative startups of small size, located throughout the national territory and consisting of no more than 60 months on the date of submission of the application. Can also apply for a facility the natural persons wishing to set up an innovative startup. In this case, the formation of the company must take place within 30 days from the communication of admission to the facilities. Foreign companies that undertake to establish at least one operation headquartes in Italy can also obtain the facilities.

  • Who manages the scheme? National Agency for Investment Attraction and Business Development S.p.A. - 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)]

 

ON - Beyond New interest-free businesses

This measure aims to support, throughout Italy, the creation and development of micro and small enterprises with a prevalent or total youth or female participation.

  • Who is eligible? Micro and small enterprises consisting of no more 60 months on the date of submission of the application for a facility on which the company by young people between the ages of 18 and 35 or women of all ages. Natural person wishing to set up a new business may also have as long they send the documentation necessary to prove that it has been established within the time limits indicated in the notice of a admission to the facilities.

 

Digital Transformation

Facilitation to support the technological and digital transformation of the production processes of micro, small and medium-sized enterprises through the implementation of projects aimed at implementing the enabling technologies identified in the National Enterprise Plan 4.0 as well as other technologies related to digital supply chain technology solutions.

  • Who is eligible? PMI which, on the date of submission of the application, operate predominantly or primarily in the manufacturing sector may benefit from the facilities and/or in that of direct services to manufacturing enterprises and/or in the tourism sector and/or in the commercial sector.
  • Who manages the scheme? Ministry of Enterprises and Made in Italy with technical support from the National Agency for Investment Attraction and Business Development S.p.A.– Invitalia.

 

Green New Deal

This measure aims to support projects involving the implementation of research, development and innovation activities as part of the ecological and circular transition purposes of the Italian Green New Deal.

The measure is intended to support projects of companies admitted to subsidized loans from the “FRI (Fondo rotativo per il sostegno alle imprese e gli investimenti in ricerca)”, and provides for the granting of grants to support industrial research, experimental development and, for SMEs, of industrialization of the results of research and development.

  • Who is eligible: Companies of any size that carry out industrial, agro-industrial, artisan, industrial services and research centers, which submit projects individually or jointly.
  • Who manages the scheme: Mediocredito Centrale - Banca del Mezzogiorno S.p.A. as Agent and group leader of the temporary grouping of companies established with the companies MPS Capital Services S.p.A., Intesa Sanpaolo S.p.A., Artigiancassa S.p.A., Banco di Sardegna S.p.A, Unicredit S.p.A., Consiglio Nazionale delle Ricerche.
  • How to apply: By following the instruction available on the Mediocredito Centrale - Banca del Mezzogiorno S.p.A website (https://fondocrescitasostenibile.mcc.it), starting from November 17, 2022 (with the possibility of pre-filling applications from November 4, 2022).

 

Skills Development

“Skills Development” is a measure for SMEs located in the Basilicata, Calabria, Campania, Molise, Puglia, Sardegna and Sicilia regions.

The measure aims to support companies in acquiring training courses designed to develop or consolidate employees’ skills in strategic topics for technological, digital and green transition of businesses, also with a view to strengthening value chains.

The measure is funded under the National Research, Innovation and Competitiveness Programme for the Green and Digital Transition (RIC NP) 2021-2027.

  • Who is eligible: Micro, small and medium-sized enterprises (SMEs) located in Basilicata, Calabria, Campania, Molise, Puglia, Sardegna and Sicilia regions.
  • Who manages the scheme: National Agency for Investment Attraction and Business Development S.p.A. - Invitalia.
  • How to apply: Applications can be submitted from 12 PM on April 21, 2026, to 12 PM on June 23, 2026, using only the online procedure available on the Invitalia website (invitalia.it).

       

Cloud & Cybersecurity Voucher

The incentive, governed by the Ministerial Decree of July 18, 2025, aims to support the demand for cloud computing and cybersecurity services and products by SMEs and self-employed professionals. This is achieved through the acquisition of new and additional technological solutions compared to those already available, and/or more advanced and secure technological solutions than those currently in use.

The subsidies are granted in accordance with the de minimis regulation, in the form of a non-repayable grant, up to a maximum of 50% of eligible expenses. In any case, the grants may not exceed the amount of 20,000 euros.

To be eligible for the subsidies, cloud computing and cybersecurity services and products must be provided by entities registered in a specific list created and maintained by the Ministry, in accordance with the procedures outlined in the Directorial Decree of November 21, 2025.

The terms and procedures for submitting subsidy applications by SMEs and self-employed professionals will be defined in a subsequent directorial provision, following the completion of the list of entities authorized to supply the eligible products and services.

  • Who can participate: The subsidies are available to SMEs and self-employed professionals operating throughout the national territory who, at the time of submitting the application, hold a contract for the supply of connectivity services with a minimum download speed of 30 Mbps.
  • Who is responsible for program management: National Agency for Investment Attraction and Business Development S.p.A. – Invitalia; Infratel Italia.
  • How to apply: You can follow the instructions on the dedicated page: https://www.mimit.gov.it/it/incentivi/sostegno-alla-domanda-di-servizi-di-cloud-computing-e-cyber-security

 

STEP – Critical and Emerging Technologies (National Programme for Research, Innovation and Competitiveness 2021–27)

Measure support research and development (R&D) projects in less developed Regions, aimed at creating or significantly improving products, processes and services through the development of the critical technologies identified by Regulation (EU) 2024/795.

  • Who is eligible? Companies of any size with at least two approved financial statements, and research centres, including joint ventures under the conditions set out in the implementing decree.
  • Who manages the scheme? Mediocredito Centrale – Banca del Mezzogiorno S.p.A.
  • How to apply: Applications may be submitted from 14 May 2025 through the managing entity’s website https://fondocrescitasostenibile.mcc.it. The procedure will be available from 30 April 2025.

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