SIAGI, established in 1966 by the Chambers of crafts is the only multi-bank guarantee company. Its original governance with banks, French State and entrepreneurs through council chambers gives her a direct hold on all economic sectors : crafts, commerce, liberal professions and agriculture.
The capital is held by the founding organizations, APCMA and Chambers of craft (60%), seven banks hold 25% and Bpifrance holds 15%.
SIAGI has 27 representative offices. Its head office is located in Paris, with a total of 85 staff members.
|Year of creation|
individual entities or association
|Type of scheme|
guarantee or counter-guarantee
guarantee or counter-guarantee or co-guarantee
i.e. fully mutual, funded by SMEs, banking associations, fully public, fully private, private-public, mixed models
Private / Public (in %)
|Private 25%, Public 75%|
of single guarantee entity or association: i.e. fund, development bank, development agency, cooperative or mutual societies, bank, foundation, association, limited company, etc.
|Professional company with variable capital|
of members of an association: i.e. fund, development bank, development agency, cooperative or mutual societies, bank, foundation, association, limited company, etc.
|Structure / Network|
i.e. central scheme with regional offices, central scheme only, association network
|26 regional offices in France|
i.e. local, regional, national
i.e. agriculture, industry, crafts, retail, liberal professions, cooperatives, etc.
|Agriculture, Industry, Crafts, Retail, Liberal professions, Cooperatives|
|Size of businesses supported|
i.e. large companies, SMEs, micro-enterprises, independent/self-employed
|SMEs, Micro-enterprises, Independent/Self-employed|
i.e. mono-product banking licenses, financial intermediary statute, non-supervised. For associations, please state statute of members
|Financial intermediary status|
|Profit / Non-profit oriented|
dividends to public shareholders are not considered as profit orientation
|Do you benefit from a counter-guarantee at local, regional or national level?|
Local level or Regional level or National level
|Regional and National level - Conseils régionaux, FEI|
|Are you/your members financial intermediary for EU-programmes?|
CIP/COSME or Structural funds or Progress or RSI/RSFF Horizon 2020
|Types of guarantee products provided by your organisation/your members||Loan default guarantees, Working capital loan guarantees, Leasing guarantees, Project guarantees|
|Other SME support instruments offered by your organisation/your members|
Subsidized loans or Mezzanine financing or Venture capital or Coaching or Mediation services
|Is the activity subject to state aid regulation?||No|
|Do you (your members) use..?|
De minimis or GBER or Regional guidelines or Notification
|Do you (your members) dispose of an internal rating/scoring system?||Yes|
|Do your guarantees provide deponderation (capital relief) for member banks subject to capital requirements (Basel agreement)?||Yes|
|Do you (your members) benefit of a public counter-guarantee that allows deponderation (capital relief)?||No|