How can we help you

At your side with your project

Created by and for companies, ELKARGI is a Guarantee Society (SGR), with more than 40 years improving conditions of loans given by banks to SMEs and the self-employed, thereby facilitating the access to real financing.

With more than 5.600 partner companies, we are the leading guarantee society in all Spain by volume of guarantees granteds, with offices in Bilbao, San Sebastian, Pamplona and Vitoria-Gasteiz.

We work for


We accompany you to professionalize the financial function of your company to achieve sustainable growth.


We know your concerns and we help you with the financing you need: agile, fast and tailored to your needs.


We know that entrepreneurship is not easy. Let us accompany you and respond to the financial needs of your project.



Our raison d’être is to enable the permanent improvement the structure and financial conditions of SMEs, self-employed of SMEs, the self-employed and the social economy, through our guarantee

Financial advice

Financial advice

Closer to companies…We help companies to solve their day-to-day financial needs, so that they can continue to grow.

Financial training

Financial training

Professionalizing the financial function… We provide companies and individuals with a training offer aligned with the latest developments in the field of training. Offer aligned with the latest developments in the field of training, financial, legal, commercial, tax and technological training, legal-commercial, tax and technological training.

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Yesterday & today

We were born to support the business fabric immersed in a great industrial reconversion. This was the origin of our guarantee, proximity and credibility. Today, transformed, we continue working for what we were born for.

Continuous improvement

Long-term partner for more than 21,800 companies that we assist in their start-up, growth, consolidation and international expansion. We work to enable the permanent improvement of their financial structure and conditions.

At your side

Consider us your best ally. Your interests are our interests because we owe it to you. Created by and for companies.

Financial function

We want to accompany you in the professionalization of your financial function, with solutions for bank financing, alternative financing, industrial machinery rental, international financing, technical guarantees… But also with software adapted to your controlling needs.


“Today” can always be the first day of a new future. We want to hear from you. We are here to help you move forward