Access to credit and subsidised finance

Professional assistance in accessing standard and subsidised financing instruments to support investment, growth and business innovation.

Standard Finance

Whether the goal is to obtain liquidity for productive investments through the traditional banking system or to access public grants for innovative projects, we offer tailored solutions that take into account the strategic and economic objectives of your business.
Standard finance encompasses the full range of financing instruments provided by banks, financial intermediaries or private investors at market conditions, based on creditworthiness and the guarantees offered. The cost of capital is entirely market-determined and reflects the company’s risk profile. The main instruments include medium- and long-term loans for structural investments, operating and finance leasing for the acquisition of capital assets without tying up liquidity, factoring to improve cash flow through the assignment of trade receivables, and overdraft facilities and liquidity lines for day-to-day treasury management.

Subsidised Finance

Subsidised finance covers financial instruments and incentives backed by public resources from the State, Regions or European Union, designed to encourage investment, innovation and development. Unlike standard finance, the cost of capital is reduced or facilitated through public intervention, making access to credit more sustainable. Typical instruments include non-repayable grants for investment in innovation, research and development, digitalisation and internationalisation, subsidised loans with below-market interest rates supported by public intervention, and tax credits for research and development, investment in capital goods, staff training and energy efficiency. Our integrated service supports the business throughout every stage: from assessing financial needs and selecting the most appropriate instruments, to preparing the necessary documentation, submitting applications, monitoring the approval process and managing reporting obligations.

Our expertise extends across both the Swiss and Italian markets, enabling us to assist companies operating in both countries with a comprehensive view of available opportunities — covering both traditional bank financing and public incentives for innovation, sustainability, digitalisation and internationalisation.

Our services

Needs assessment

Thorough evaluation of the company’s financial requirements in relation to its strategic objectives and planned investment projects.

Opportunity scouting

Ongoing monitoring of public tenders, tax incentives and banking solutions available at national, regional and European level, in both Switzerland and Italy.

Documentation preparation

Full preparation of business plans, investment plans, technical reports and all documentation required for credit applications and grant requests.

Bank negotiation

Support in negotiating with banks and financial intermediaries to secure the best terms in terms of rates, duration, guarantees and contractual flexibility.

Subsidised scheme management

Submission of applications for public tenders, management of the administrative process and liaison with granting bodies through to disbursement.

Reporting and monitoring

Assistance with the correct administrative management of subsidised financing, expenditure reporting and compliance with applicable obligations.

Looking for financing for your business?

Contact us for a personalised consultation. We will assess your financial needs together and guide you towards the most advantageous solutions, both through market instruments and public incentives.