AECM has 48 member organisations operating in 31 European countries. 4 of its members are private / mutual sector guarantee schemes, 39 are fully public institutions, which are either guarantee funds or Development banks with a guarantee division, and 4 are private – public mixed. Europe. They all have in common the mission of providing loan guarantees for SMEs who have an economically sound project but cannot provide sufficient bankable collateral. In the 2021, AECM member organisations had a total guarantee volume in portfolio of over 312 billion EUR supporting 5.9 million SMEs.

AECM pursues the following three main aims:

Political Representation

AECM represents the political interest of its member organisations both towards the European Institutions, such as the European Commission, the European Parliament and Council, as well as towards other, multilateral bodies, among which the European Investment Bank (EIB), the European Investment Fund (EIF), the Bank for International Settlement (BIS), the World Bank, etc. It deals primarily with issues related to state aid regulation relevant for guarantee schemes within the internal market, to European support programmes and to prudential supervision. It has also dealt with the policy response to the financial crisis.

Exchange of best practices

AECM serves as platform for exchange of best practices on a variety of operational issues. For this purpose, AECM has set up working groups and organises annual seminars, operational training sessions as well as specific ad-hoc events on selected issues.

Promotion of guarantee instruments

AECM undertakes surveys on the guarantee sector, provides relevant technical information, statistics, newsletters as well as other publications to promote the guarantee instrument. It takes part as a sector representative in events both in Europe as well as beyond.