Key data
| Regulation | Resolution of 26 May 2026, from the General Directorate of Rural Development, Innovation and Agri-food Training |
|---|---|
| Publication | 2 June 2026 |
| Entry into force | 5 May 2026 |
| Affected parties | Farmers, livestock breeders and agri-food companies in the Community of Madrid |
| Category | Agriculture and Fisheries |
| Period | 2023-2027 |
| Instrument | Centralized Portfolio Guarantee Management Financial Instrument (IFGC-G) |
| Financial intermediary | SAECA — Sociedad Anónima Estatal de Caución Agraria, S.M.E. |
| Financing framework | FEADER funds from the CAP Strategic Plan 2023-2027 |
Agricultural operators in the Community of Madrid have at their disposal a new public guarantee mechanism to access bank financing on better terms. The Resolution of 26 May 2026 publishes the agreement that activates the Centralized Portfolio Guarantee Management Financial Instrument FEADER (IFGC-G), charged to the European funds of the CAP Strategic Plan for the 2023-2027 period.
If you have an agricultural or livestock operation or an agri-food company in Madrid and need bank financing, this instrument can be the lever that allows you to obtain the guarantee that the bank requires.
What does this regulation establish?
The agreement formalizes the voluntary accession of the Community of Madrid to the Centralized Portfolio Guarantee Management Financial Instrument (IFGC-G), incorporating it into its regional rural development interventions financed with FEADER funds.
The agreement precisely defines the responsibilities of each party involved:
| Party | Role in the instrument |
|---|---|
| Ministry (General Directorate of Rural Development, Innovation and Agri-food Training) | National management authority of the instrument |
| Community of Madrid | Regional authority; voluntarily accedes and incorporates the instrument into its rural development interventions |
| SAECA (Sociedad Anónima Estatal de Caución Agraria, S.M.E.) | Selected financial intermediary; executes the instrument by providing guarantees and warranties to agricultural operators |
In practice, the instrument works as follows: SAECA provides guarantees and warranties to farmers, livestock breeders and agri-food companies that need bank financing. These guarantees are co-financed with FEADER European funds, which reduces costs and expands credit access for operators who would otherwise have difficulty obtaining it.
Economic and operational impact
The main impact of this instrument is the improvement of credit access for the Madrid agricultural sector. Public guarantees co-financed with European funds allow:
- Reducing or eliminating the need to provide own guarantees (mortgages, personal guarantees) to obtain bank loans.
- Accessing more favorable financing conditions, since the bank's risk is partially covered by the public guarantee.
- Unlocking investment projects (machinery, facilities, digitalization, modernization) that would not be viable without financing.
- Taking advantage of FEADER European funds that would otherwise not reach the individual agricultural operator directly.
From an operational perspective, the Community of Madrid's accession to the instrument means that it is integrated into regional rural development interventions, which facilitates its processing through existing regional channels.
Who does it affect?
This instrument is specifically aimed at the following profiles in the Community of Madrid:
- Farmers who need financing for investments in their operation (machinery, infrastructure, crops).
- Livestock breeders who require credit for modernization, expansion or maintenance of their activity.
- Agri-food companies (processing industry, distribution, marketing of agricultural products) based or operating in the Community of Madrid.
- Agricultural cooperatives and other associative forms in the sector seeking bank financing backed by public guarantee.
The geographic requirement is clear: the activity must be carried out in the Community of Madrid, which is the region that has acceded to the instrument through this agreement.
Practical example
Imagine an agri-food company in Madrid —for example, a vegetable product processing industry— that wants to invest in new processing machinery and needs a bank loan. The bank asks for guarantees that the company cannot provide on its own.
With the IFGC-G active in Madrid, the company can approach SAECA to request a guarantee to back that loan. SAECA, as the financial intermediary of the instrument, can grant that guarantee co-financed with FEADER funds. The bank accepts the public guarantee, the company obtains the loan and can execute its investment.
The result: an operator that without this instrument would not have been able to finance itself, gains access to credit thanks to the European public guarantee managed through the agreement between the Ministry, the Community of Madrid and SAECA.
What should companies do now?
- Identify if you meet the profile: Verify that your activity is agricultural, livestock or agri-food and that you operate in the Community of Madrid. These are the two basic requirements to access the instrument.
- Contact SAECA: The Sociedad Anónima Estatal de Caución Agraria (SAECA) is the financial intermediary that executes the instrument and grants the guarantees. It is your first point of contact for information on specific conditions and requirements.
- Review your financing needs: Identify what investment projects you have pending that require bank financing. This is the time to present them with the support of the FEADER public guarantee.
- Consult with your bank: Inform your bank of the existence of this guarantee instrument. Many financial institutions are familiar with FEADER instruments and can guide you on how to structure the operation.
- Follow regional channels: The Community of Madrid has integrated the instrument into its regional rural development interventions. Also consult with the competent regional authority in agricultural matters in the Community of Madrid to learn about current access procedures.
Frequently asked questions
What is the IFGC-G and what is it for?
The IFGC-G (Centralized Portfolio Guarantee Management Financial Instrument) is a mechanism co-financed with FEADER funds from the CAP Strategic Plan 2023-2027 that allows farmers, livestock breeders and agri-food companies to obtain public guarantees and warranties to access bank financing. Its objective is to improve credit access for agricultural operators who have difficulty providing their own guarantees.
Who manages the IFGC-G guarantees in Madrid?
SAECA (Sociedad Anónima Estatal de Caución Agraria, S.M.E.) is the financial intermediary selected to execute the instrument. It is SAECA that provides the guarantees and warranties directly to agricultural operators. The Community of Madrid acts as the regional authority and the Ministry as the national management authority.
Since when is this instrument in force in the Community of Madrid?
The instrument entered into force on 5 May 2026, although the resolution publishing the agreement was published in the BOE on 2 June 2026. The instrument's time frame covers the 2023-2027 period, aligned with the CAP Strategic Plan.
Can agri-food companies access it or only individual farmers?
The instrument is open to farmers, livestock breeders and agri-food companies in the Community of Madrid. It is not limited to individuals or individual operations: companies in the agri-food processing and marketing sector are also potential beneficiaries.
How do you apply for the FEADER guarantee in Madrid?
The first step is to contact SAECA, which is the financial intermediary executing the instrument. Additionally, since the Community of Madrid has integrated the instrument into its regional rural development interventions, it is advisable to also consult with the competent regional authority in agricultural matters to learn about specific access procedures and requirements.
Official source
Check complete regulation in official source
Notice: This article is for informational purposes only and does not constitute legal advice. For specific decisions, consult a qualified professional. Source: https://www.boe.es/diario_boe/txt.php?id=BOE-A-2026-11835