Credit | Investments | Skills: A Partnership with the Social Economy.

Added Future 2025 is a financial initiative promoted by Fondazione Compagnia di San Paolo, Intesa Sanpaolo, Cooperfidi Italia, and Fondazione Social Venture Giordano Dell’Amore. It will provide approximately €7 million in low-interest loans to Third Sector Entities operating in Piedmont, Liguria, and Valle d’Aosta. In these three regions, the Third Sector comprises around 42,300 organizations and employs about 101,000 people, according to ISTAT 2022 data.

Launched in 2024, the first edition of Added Future offered a tangible opportunity to 52 Third Sector Entities, granting them access to low-cost financing for liquidity and strategic investments, with a total disbursement of €6.2 million.

Building on this experience, the new edition introduces enhanced conditions to better meet the sector’s needs.

What’s New in 2025?

Thanks to this renewed initiative, Third Sector Entities can benefit from favorable financing from Intesa Sanpaolo for liquidity and investments. The 2025 edition expands eligibility and provides loans ranging from €50,000 to €300,000, with a minimum duration of 24 months and a maximum of 120 months, including a grace period, at preferential rates. Additionally, the cost of Cooperfidi Italia’s guarantee will be reimbursed under even more competitive conditions than in 2024.

A Stronger Guarantee System

The financing agreement includes:

1. A Cooperfidi Italia guarantee fund, backed by FEI-EASI resources, covering at least 50% of the loans.
2. A €500,000 Coverage Fund from Fondazione Social Venture Giordano Dell’Amore, supported by Fondazione Compagnia di San Paolo, to reimburse the guarantee costs incurred by beneficiaries.

Assuming an average loan request of €100,000 over five years, the initiative aims to support at least 70 organizations, with a total of €7 million in disbursed loans from Intesa Sanpaolo.

These updates make Added Future an even stronger and more advantageous tool for the Third Sector, facilitating access to credit and supporting the development of social impact initiatives.

Banking and the Third Sector: A Growing Partnership

The 13th edition of the Observatory on Finance and the Third Sector by Intesa Sanpaolo and AICCON Research Center reveals that:

• 86% of Third Sector organizations are satisfied with their relationship with banks.
• 39% see banks not just as credit providers but also as advisors and network partners.
• Social enterprises and cooperatives believe banking collaboration is essential for tackling key social challenges, including:
  • Employment for vulnerable groups (34.5%)
  • Expansion of care and assistance services (32%)
  • Combating youth educational poverty (19%)
• 5% of organizations actively collaborate with banks in this sector, indicating potential for a stronger partnership.

For information on how to access funding, organizations can send an email with their details to direzione.impact@pec.intesasanpaolo.com.