Prestiamoci
Prestiamoci is an Italy-based, Banca d'Italia-regulated P2P consumer lending marketplace connecting retail borrowers seeking €1,500–€30,000 personal loans with individual lenders earning 4–8% returns, having originated 12,690 loans totaling €192.8M as of May 2026.
- Company typePrivate
- Founded2009
- HeadquartersMilano, Italy
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Prestiamoci does
Prestiamoci S.p.A. operates a regulated, digital peer-to-peer (P2P) consumer lending marketplace connecting Italian individual borrowers seeking personal credit with retail investors (lenders) willing to fund loans. The platform supports loans ranging from €1,500 to €30,000 with repayment terms of 12 to 84 months, advertised at TAN up to 11.55% and TAEG up to 18.06%. As of May 2026, the platform reports 12,690 loans disbursed totaling €192.78M, with 1,500+ active lenders and a less-than-2% rate of loans in 3+ installment arrears. Lender portfolio returns average 5.6% net, while borrowers with strong liquidity profiles can access TAEG as low as 5.30%. The product portfolio extends beyond core personal loans to include Presticasa (home-related financing), PRESTI-GREEN (energy efficiency and electric vehicle financing, launched May 2024), IMPRESTI (digital financing for freelancers and p.IVA, backed by the Central Guarantee Fund, launched October 2024), PRESTISCUOLA (teacher lending up to €2,500), and Sicuramente TOP (optional CPI insurance).
Prestiamoci firmographics
Firmographics- Name
- Prestiamoci
- Legal name
- Prestiamoci S.p.A.
- Website
- https://prestiamoci.it
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Prestiamoci is an Italy-based, Banca d'Italia-regulated P2P consumer lending marketplace connecting retail borrowers seeking €1,500–€30,000 personal loans with individual lenders earning 4–8% returns, having originated 12,690 loans totaling €192.8M as of May 2026.
- Ownership category
- akta.pro rank
Where Prestiamoci is headquartered
LocationHeadquarters
- HQ city
- Milano
- HQ country
- Italy
- HQ region
- Europe
Offices1 record
Markets served
Prestiamoci business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Technology or R&D, Marketing or Sales, Others
Revenue model
- Borrower's Commission: Prestiamoci charges borrowers a one-time commission ranging from 0.54% to 7.56% of the financed amount, depending on loan characteristics and creditworthiness.
- Lender's Annual Fee: Lenders pay an annual commission of 1% on their invested capital. Additionally, Prestiamoci participates in projects by co-financing alongside lenders and earning interest.
- Platform Co-investment: Prestiamoci participates in the financing of each project admitted to the marketplace with its own quota, generating interest income from these co-investments.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | Personal loans from €1,500 to €30,000 for borrowers with good credit |
| Transaction based/ take rate | Monthly | Credit processing fees for borrowers |
| Transaction based/ take rate | Annual | Lender annual management fee |
| Other | Pay-as-you-go | Optional insurance: Sicurezza TOP |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Prestiamoci product offering
Product offeringCore offering
Prestiamoci is an Italian online peer-to-peer lending marketplace that connects individual borrowers seeking personal loans with retail lenders willing to fund them. It offers a regulated digital platform for originating, funding and servicing consumer credit, with auxiliary offerings for professionals (Impresti), home-related financing (Presticasa), energy-efficiency loans (PRESTI-GREEN) and a credit-protection insurance product (Sicuramente TOP).
Differentiator
Problem solved
Functional benefit
Brands
- Impresti: Digital financing product for self-employed professionals, freelancers, and sole proprietors with Central Fund guarantee support.
- PRESTI-GREEN
- Sicuramente TOP
- Presticasa
- PRESTISCUOLA
Products and services
- Prestiamoci Personal Loan
- Lending Investment Platform
- Impresti
- Presticasa
- PRESTI-GREEN
- PRESTISCUOLA
- Sicuramente TOP
Quantifiable outcome
- Over 12,690 loans disbursed totaling €192.8 million as of May 2026
- +3 more outcomes
Companies that use Prestiamoci
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles3 records
Prestiamoci technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature4 records
Prestiamoci partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and supporting.
- Banca SellacoreBanca Sella serves as the depository bank (banca depositaria) for Prestiamoci, providing banking services including deposit account opening and SEPA direct debit payment services. The partnership ensures separation of custody of funds from management instructions and provides reliability and security standards.
- CRIF S.p.A.coreCRIF is Italy's leading credit bureau used by Prestiamoci to evaluate borrower creditworthiness and credit history. Part of the three credit information systems (SIC) used for risk assessment.
- CTC - Consorzio per la Tutela del CreditosupportingOne of the three Credit Information Systems (SIC) used by Prestiamoci to assess borrower reliability and payment punctuality.
- Experian Italia S.p.A.supportingOne of the three Credit Information Systems (SIC) used by Prestiamoci for credit risk assessment and fraud prevention.
- AFI ESCA and AFI ESCA IARDsupportingInsurance companies issuing the 'Sicuramente TOP' optional CPI (Credit Protection Insurance) policy distributed by Prestiamoci for borrowers. Covers death, permanent disability, temporary incapacity, job loss, and serious illness.
- Fondo Centrale di GaranziasupportingCentral Guarantee Fund supporting the 'Impresti' product for self-employed professionals and sole proprietors. Digital financing backed by the national guarantee fund.
Scale indicators16 records
Recent moves8 records
Expansion highlights5 records
Prestiamoci competitors and assessment
Company assessmentDirect peers
- Smartika: Italian P2P consumer lending platform operating in the same Italian market as Prestiamoci; directly compared by ITQF awards for 'Best Social Lending Platform' and serving a similar borrower/lender profile.
- Younited Credit: European consumer P2P lending platform also ranked alongside Prestiamoci in ITQF Social Lending awards; offers similar personal loan products with cross-border operations and a comparable marketplace model.
Broad incumbents
- LendingClub: US-listed P2P lending pioneer and largest US marketplace lender; operates a personal loan marketplace model that Prestiamoci's platform structurally mirrors, providing scale and regulatory benchmark comparison.
- SoFi: US fintech that evolved from P2P student lending into a full digital bank; serves as a long-run benchmark for the P2P-to-broad-finance trajectory that Prestiamoci's Banca Valsabbina parentage is now attempting in Italy.
Emerging players
- Funding Circle: UK-origin European P2P lending platform with comparable marketplace structure and securitization history; provides a relevant European comp for Prestiamoci's institutional capital and SME expansion strategy.
- Zopa: UK P2P consumer lending pioneer that subsequently obtained a banking license; directly comparable as a consumer P2P platform undergoing bank-style regulatory integration similar to Prestiamoci's Banca Valsabbina acquisition.
Regional players
- BorsadelCredito.it: Italian digital SME and professional lending platform; relevant peer for Prestiamoci's Impresti product targeting freelancers, VAT-registered professionals, and sole proprietors with Central Guarantee Fund support.
- Iwoca: European online lender focused on small business and SME credit; useful comparison for the digital underwriting technology and SME lending playbook Prestiamoci is building toward via Impresti.
Others
- Banca Sella: Italian bank that historically served as both shareholder (via Banca Sella Holding) and depository bank for Prestiamoci; remains an enabling infrastructure partner for segregated custody and SDD payment execution.
- Banca Valsabbina: Italian cooperative bank that acquired 100% of Prestiamoci in December 2023; functions as both parent and distribution channel through its branch network, making it a strategic counterparty rather than a direct competitor.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Prestiamoci social profiles
Digital presencePrestiamoci financial estimates
Financial estimateRevenue estimate
Valuation estimate
Prestiamoci leadership team
Management profileNumber of profiles
Profiles2 records
Prestiamoci subsidiaries and ownership
Company hierarchySubsidiaries1 record
Prestiamoci funding detail
Funding detailFunding overview
Funding rounds6 records
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Prestiamoci M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Prestiamoci
What does Prestiamoci do?
Prestiamoci is an Italian online peer-to-peer lending marketplace that connects individual borrowers seeking personal loans with retail lenders willing to fund them. It offers a regulated digital platform for originating, funding and servicing consumer credit, with auxiliary offerings for professionals (Impresti), home-related financing (Presticasa), energy-efficiency loans (PRESTI-GREEN) and a credit-protection insurance product (Sicuramente TOP).
Is Prestiamoci a public or private company?
Prestiamoci is a private company. It is classified as corporate owned and is currently operating.
When was Prestiamoci founded?
Prestiamoci was founded in 2009. It employs 11 to 50 people.
Where is Prestiamoci based?
Prestiamoci is headquartered in Milano, Italy, in the Europe region.
How does Prestiamoci make money?
Three revenue lines are on record. Borrower's Commission is the primary driver. The others are lender's Annual Fee and platform Co-investment.
Who are Prestiamoci's main competitors?
Direct peers on record are Smartika and Younited Credit. Broad incumbents are LendingClub and SoFi. Emerging players are Funding Circle and Zopa. Regional players are BorsadelCredito.it and Iwoca. Others are Banca Sella and Banca Valsabbina.
Does Prestiamoci have an API?
No public API is recorded for Prestiamoci.