Sfil and its banking partners: a shared mission to support the development of France

To provide you with better support, our model is based on strategic partnerships with players in the banking sector. Together, we provide French local authorities and public health establishments with long-term and high-performance access to long-term bank financing.

Since 2013, Sfil and its banking partners have worked together to offer financing solutions adapted to the needs of local authorities and hospitals. These partnerships have enabled the development of a competitive credit offering to meet the economic and social challenges faced by the local public sector.

Our banking partners, La Banque Postale and Banque des Territoires, grant loans through a relationship of trust with their customers. They play an essential role as local intermediaries.
As a financing institution, Sfil guarantees the stability and the security of the financing. We bring our expertise in risk management and refinancing on the financial markets, thus ensuring optimal conditions for local authorities and hospitals.

How These Partnerships Work: A 5-Step Process

1. The need for funding for local authorities and hospitals

Local authorities and hospitals require funding to realise their projects and contribute to the development of their regions. Whether it relates to infrastructure, equipment or public services, these organisations must be able to rely on suitable funding solutions that help them enhance the attractiveness and quality of life of their region and enable them to fulfil their essential missions.

2. Applying for a loan with our banking partners

Together with Sfil, our banking partners offer a range of loans to meet the strategic needs of local authorities and public hospitals:

• Green loans: To finance ecological transition projects.
• Health loans: To support healthcare providers.
• Social loans: To finance social and territorial cohesion projects.
• Non-thematic loans: To meet the overall needs of the investment division.

Each loan draws on the combined expertise of Sfil and its banking partners, thus ensuring a reliable, tailor-made solution for local authorities and public hospitals.

3. Disposal of the loan

Once the funds are made available, the loan is transferred to our subsidiary Caffil, which manages it over its entire maturity. Sfil, as an institution specialising in the financing of public sector loans, ensures smooth continuity in the financial management of loans taken out by local authorities and public hospitals.

4. Loan issuance on the financial markets

Sfil plays a key role in financing the loans granted through the issuance of bonds on the financial markets. This role ensures optimal conditions, thanks to Sfil’s solidity on the markets and its ability to raise the necessary funds. This financing process is crucial to ensure the continuity and efficiency of the loans granted to local authorities and public hospitals.

5. Loan management

Sfil provide financing, we also offer comprehensive support to local authorities and public hospitals throughout the life of their loan: we help them manage changes in their environment (mergers, dissolutions, transfers of competence, etc.) and monitor their debt or financial situation.

This level of support does not only guarantee optimal efficiency, it also ensures total transparency, thus reinforcing trust between Sfil and local public sector players.

Through a solid partnership model and renowned financial expertise, Sfil and its banking partners provide local authorities and public hospitals with sustainable and tailored financing solutions. Our commitment is reflected in a competitive offer, secure funding and long-term support, thus helping to develop the French regions.