What Our Members Say
The real measure of our work is the experience of the businesses we support. Below you will find testimonials from member enterprises across different sectors who have used our guarantee and advisory services to access financing, manage cash flow, and grow their operations. Their feedback shapes how we continue to develop and improve our services.
"We had been trying to obtain a term loan for new production equipment for almost a year without success — the bank kept asking for collateral we simply did not have. After joining Associazione Confidi Lombardia and applying for a guarantee, we received approval within three weeks. The case manager was responsive and explained every step clearly. The equipment is now running and our output has increased by nearly 30%."
— Marco Cattaneo
★★★★★
"As a small textile business with seasonal cash flow, getting a working capital line from a bank was nearly impossible without a guarantor. The cooperative's guarantee made all the difference — we secured a credit line that covers our peak production months and repay it once receivables come in. The advisory team also helped us understand how to structure the facility so it aligned with our actual payment cycle."
— Federica Manzoni
★★★★★
"I was initially sceptical about joining another association, but the concrete support from Associazione Confidi Lombardia proved the membership fee was well worth it. They helped us secure a surety bond for a public procurement contract we would otherwise have had to turn down. The process was straightforward and the team knew exactly what documentation the contracting authority required."
— Davide Riva
★★★★☆
"The credit advisory service is genuinely useful. Before approaching our bank for a refinancing, we sat down with one of their advisors who helped us identify weaknesses in our financial statements and prepare a more compelling credit application. The bank approved the refinancing at better terms than our existing loan. That consultation alone was worth the cost of membership for the year."
— Giovanna Ferretti
★★★★★
"We are a three-year-old food processing startup and traditional banks still view us as too young to lend to without substantial guarantees. Associazione Confidi Lombardia gave us access to a guarantee that covered 70% of the loan value, which was enough for our bank to proceed. The staff understood our business model and were patient with the documentation process. I would recommend the cooperative to any young business in Lombardy."
— Lorenzo Brambilla
★★★★☆