guarantees and sureties for domestic and export markets, including bid, advance repayment, performance, and retention bonds. It proposes a global factoring offer dedicated to industry to improve working capital by financing a large portion of trade receivables. Sofitech also manages the Croissance PMI participative loan guarantee fund, supporting development projects such as acquisitions, innovation, eco investments, and international expansion. Its services target SMEs and mid-sized industrial firms seeking sector specific financial support and risk sharing arrangements.