Rue Jean-Baptiste Pigalle 2
75009 Paris

+33 148745400
+33 148743982

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Michel COTTET, Director General of SIAGI

SIAGI, established in 1966 by the Chambers of crafts is the only multi-bank guarantee company. Due to its pivotal position and its place as a leader, it is able to solve the difficult question of financing an attractive but complicated target for its banking partners, that is, very small businesses.
The capital is held by the founding organizations, APCM and Chambers of craft (60%), seven banks hold 25% and  Bpifrance  holds 15%.
SIAGI, has 5 regional directions and 21 representative offices. Its head office is located in Paris, with a total of 86 staff members.
Year of creation
individual entities or association
Type of scheme
guarantee or counter-guarantee
Product typology
guarantee or counter-guarantee or co-guarantee
i.e. fully mutual, funded by SMEs, banking associations, fully public, fully private, private-public, mixed models
Shareholder structure
Private / Public (in %)
Private 25%, Public 75%
Legal form
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
Legal form
of members of an association: i.e. fund, development bank, development agency, cooperative or mutual societies, bank, foundation, association, limited company, etc.
Mutual society
Structure / Network
i.e. central scheme with regional offices, central scheme only, association network
26 regional offices in France
Geographic coverage
i.e. local, regional, national
Sectorial focus
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
Supervision statute
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
Profit oriented
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 membersLoan 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
De minimis
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