Loans for artisans are a form of financing intended for those working in the craft sector, both in the form of an enterprise and individually. Given the strategic value of the sector, which has always been a fundamental pillar in the economic development of our country, over the years various measures have been introduced to support crafts in Italy, both through access to regional and national funds and Europeans, that through the possibility of obtaining subsidized loans.

One of the easiest ways to take loans for artisans is to request them from Artigiancassa, the credit institution created in 1947 specialized in financing the craft sector. Although the bank has long been privatized, it continues however in its original task of giving support to the sector by granting loans at advantageous interest rates, as for example law 949/52 provides.

The coverages offered by this and other national laws on loans and subsidized loans for the craft sector are generally linked to regional measures and coverage, also based on management decisions on the various national and European funds. Therefore, before submitting the request, the conditions offered at that time must be checked (on the Artigiancassa website or on the institutional portal of your region).

Types of facilities and funding

Types of facilities and funding

Generally there are different types of facilities and funding available. During this period, for example, if you meet all the requirements, you can apply to access the Fund for sustainable growth, Nuova Sabatini, the Guarantee Fund for SMEs, Microcredit and specific measures dedicated to partnerships and companies. individual firms registered with the Register of Craftsmen of Marche, Lazio and Tuscany. With regard to financing, short-term or medium / long-term loans are currently envisaged, loans for young people and startups, loans for female entrepreneurship, partnerships and leasing.

A concrete example: to start up your own business there are loans (from 10 thousand up to a maximum of 1 million euros, repayable from yours to ten years with a personalized pre-amortization period and repayment of installments which can be monthly, quarterly or half-yearly ) for the construction of laboratories or for the purchase of machinery, raw materials, various equipment or vehicles.

Loan estimate of 10000 euros

Loan estimate of 10000 euros

Financial: Sumple loan
Product: Personal Loan
TAN Fixed: 4.25%
APR: 4.44%
Loan duration: 60 months
Amount Financed: € 10,000
Total due: € 11.117

Monthly installment € 185, 28 Feasibility check 

Financial: Ultranix
Product: Personal Loan
TAN Fixed: 5.16%
APR: 6.70%
Loan duration: 60 months
Amount Financed: € 10.146
Total due: € 11.735

Monthly installment € 193, 19 Feasibility check 

Financial: Astro Finance
Product: “Your Projects” Credit
TAN Fixed: 6.01%
APR: 6.18%
Loan duration: 60 months
Amount Financed: € 10,000
Total due: € 11.602

Monthly installment € 193, 37 Feasibility check

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