Financing Programmes for Every Business Stage
IRFIS has structured three core financing programmes to address the distinct capital needs of businesses at different stages of development. Each programme is designed with specific eligibility criteria, credit limits, and terms that reflect the risk profile and growth objectives of the target client segment. Our team will work with you to identify the most suitable programme and customise the terms to your situation. All programmes are available to businesses operating in Sicily and eligible regions under applicable regulatory frameworks.
SME Starter
From €25,000
Designed for small businesses and start-ups seeking initial working capital or investment funding to establish or expand operations in their early phases.
- Loan amounts from €25,000 to €250,000
- Repayment terms up to 5 years
- Working capital and asset financing eligible
- Simplified application and fast credit assessment
- Dedicated SME relationship manager assigned
Growth Capital
From €250,000
Suited to established SMEs and mid-market companies looking to finance significant investment projects, acquisitions, or structured expansion plans.
- Loan amounts from €250,000 to €2,000,000
- Repayment terms up to 10 years
- Investment, project, and receivables financing available
- Flexible draw-down and repayment scheduling
- Access to co-financing and EU fund blending options
Corporate & Project Finance
From €2,000,000
Tailored for large enterprises and special purpose vehicles requiring bespoke structured finance for major projects, infrastructure, or complex corporate transactions.
- Loan amounts from €2,000,000 — no upper cap defined
- Long-term facilities up to 20 years for infrastructure
- Full project finance and non-recourse structuring available
- Dedicated deal team with legal and financial advisory support
- Custom covenant packages and reporting frameworks