Credit guarantee management
Every fund guarantees credit.
Very few can prove it in real time.
Garantia digitizes the full lifecycle of a credit guarantee fund — from the partner bank's request to the final loss declaration — so institutions can unlock financing for banks, leasing companies, and the promoters they serve.
The reality
Guarantee funds still run on spreadsheets and paper files.
Yet they decide whether a bank extends credit to a promoter. Without a shared system, partner banks, leasing companies, and the institution itself lose time and visibility at every step.
Built for multi-fund institutions
One fund per policy, one policy per sector.
An energy transition fund is not run like an export fund. Garantia lets each guarantee fund keep its own eligibility rules, guarantee ratio, and budget — while the institution still sees the whole portfolio.
Energy & transition
Guarantees for energy-efficiency and renewable-energy projects carried by SMEs.
SME & industry
The generalist fund supporting manufacturing and services financing.
Agriculture
Investment and operating credit guarantees for farms and agro-industry.
Export
Supporting access to credit for export-oriented businesses.
Any sector fund
Housing, health, youth entrepreneurship — configure a new fund without new code.
Donor-backed funds
Funds capitalized by international development partners, reported on independently.
The platform
From the extranet request to the final decision.
Partner banks and leasing companies work in a secure extranet. The institution's teams study, score, and decide in a dedicated back-office. Both sides see the same dossier, in real time.
Partner extranet
Banks and leasing companies submit guarantee requests and track every dossier's status.
Document management (GED)
Financial statements, business plans and supporting documents centralized per dossier.
3-dimension scoring
Every dossier is scored on the project, the sector, and the promoter — not a single opaque number.
Committee workflow
Role-based acceptance or rejection, with the reasons recorded on the dossier.
Automatic repayment schedule
Accepting a guarantee generates the credit's repayment schedule automatically.
Due-date tracking
Every installment is tracked as upcoming, paid, or unpaid — the earliest signal of risk.
Early default → litigation
Payment incidents escalate through amicable recovery to formal litigation, fully logged.
Final loss declaration
When recovery fails, the loss is declared and the partner's indemnification is tracked to close.
Consolidated promoter exposure
A promoter can hold several dossiers across several funds — Garantia shows the cumulative exposure.
Per-fund parameters
Guarantee ratio, budget, and target sector configured independently for each guarantee fund.
The differentiator
A dossier's entire life, from reception to final loss.
Where a spreadsheet only shows the current state, Garantia keeps the full chain — every transition timestamped, attributed, and reportable.
Request received from the partner extranet.
Scoring on project, sector, and promoter.
Committee decision — repayment schedule generated.
Performing credit, installments tracked.
Payment incident — amicable recovery engaged.
Formal legal recovery procedure.
Final loss declared, partner indemnified.
Credit fully repaid, dossier archived.
Reporting & governance
Built for institutions that answer to boards and donors.
Sinistrality rate per fund, exposure per promoter, and a full audit trail — ready for governance committees, supervisory authorities, and the international development partners who capitalize these funds.
Implementation
Live in four steps.
A structured rollout that starts from your existing funds and partner network — nothing to rebuild from scratch.
Scoping
Funds, guarantee ratios, budgets, and partner banks / leasing companies to onboard.
Deployment
Extranet and back-office configured, partners imported, branding applied.
Pilot dossiers
First real guarantee requests run end-to-end, from reception to decision.
Ongoing operation
Full dossier flow, portfolio monitoring, and recurring donor/board reporting.
Designed for Africa
Grounded in real credit-guarantee operations.
This platform is built on genuine, hands-on experience digitizing credit-scoring and guarantee-management systems for financial institutions — not a generic template adapted after the fact.
Why Hydatis
A technology partner, not just a tool.
Ready to see your own funds in Garantia?
Walk through the full dossier lifecycle live.
Request a demo tailored to your funds and partner network. We'll walk you through the extranet and the back-office in real conditions, in under 30 minutes.