Update your browser

Update your browser

You are using an old version of your browser. We recommend you update it or change browser for a better web experience.

Corporate
BranchesHelp

Can we help you?
  • We are at your disposal.
    24 hours, every day


  • +34 902 343 999
  • Online Care - Chat
  • @BancoSabadell


Do you want us to call you
Send us your details and we will call you

You may be interested...

Our pledge to companies

Mutual guarantee societies

Reciprocal guarantee companies (RGCs) are non-profit financial entities regulated by the Bank of Spain and with a specific field of action (by autonomous region or sector). Their main objective is to gain access to credit for small and medium-sized enterprises and improve their financing conditions by extending guarantees before financial entities.
 

  • Characteristics

    Advantages
     

    • Access to financing for companies that due to a lack of guarantees cannot secure this
    • Best conditions in terms of interest rates and terms thanks to agreements between RGCs and Banco Sabadell . This reduces financing costs for the SME
    • Obtain a guarantee , provided that the project is viable as a whole in the opinion of the team analyzing it 


    Operation

    Any small or medium-sized enterprise can obtain a RGC guarantee, provided it needs financing and is a participating member.

    Each RGC defines the criteria for being Participating Members. The most usual means is by acquiring shares in the RGC equivalent to a percentage of the RGC guarantee amount that would be paid upon maturity

     


    Guaranteeable operations and situations
     

    • Companies with high share and concentration of risk in the bank and that cannot access new amounts without additional guarantees
    • Companies recently set up without actual economic and activity data
    • Companies with high working capital needs and technical guarantees
    • Companies with high working capital needs (by sector)
    • Capital restructuring
    • Self-employed persons who pay taxes by module and therefore do not avail of accounting records that justify income, although he/she has a good payment record
    • Real estate purchases linked to business activity with financing of up to 100% of the appraisal value
    • Company and members without sufficient equity solvency or with previous mortgage encumbrances, but who have a viable project, though lacking in guarantees
    • Companies that have a PROFIT grant awarded and need a guarantee to obtain the refundable PROFIT loan advance
    • Guarantees from property developers relating to purchases of land (swap guarantees, deferred payments, etc.) from homebuyers (payment to account guarantees) or builders (technical guarantees presented to councils)

    Buscador oficinas Come and see us

    Correo electronico Write to us

    Send us an

    email
  • SGR List

    Currently Banco Sabadell  has signed collaboration agreements with almost all of the reciprocal guarantee companies, providing coverage to the vast majority of the autonomous regions.

    Field of action by autonomous region 
     

    Field of action by autonomous region
      RGC
    Andalusia Avalunion, S.G.R.
    Andalusia Suraval, S.G.R
    Aragon Avalia Aragón, S.G.R
    Asturias Asturgar, S.G.R .
    Balearic Islands Isba, S.G.R .
    Canary Islands Avalcanarias, S.G.R.
    Cantabria Sogarca, S.G.R.
    Castilla-La Mancha Aval Castilla la Mancha, SGR
    Castilla León, La Rioja and Madrid Iberaval, SGR
    Catalonia Avalis de Catalunya, S.G.R.
    Extremadura Extraval, S.G.R.
    Galicia Afigal, S.G.R.
    Galicia Sogarpo, S.G.R.
    Madrid Avalmadrid, S.G.R
    Murcia Undemur, S.G.R .
    Navarre Sonagar, S.G.R.
    Basque Country/La Rioja Elkargi, S.G.R
    Basque Country Oinarri, S.G.R.
    Valencia S.G.R. Comunidad Valenciana


    Field of statal action

     

    Field of action for autonomous region
      RGC
      Crea, S.G.R.