Change Capital
Change Capital is an Italian fintech marketplace that uses AI-powered matching (CC Rank algorithm) to connect SMEs with over 100 credit, leasing, and facilitated finance solutions from 60+ partner providers via its CC Suite platform. Acquired by TeamSystem S.p.A. in June 2024.
- Company typePrivate
- Founded2019
- HeadquartersArezzo, Italy
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Change Capital does
Change Capital (legal entity NETFINTECH SRL) is an Italian fintech that operates a B2B credit and facilitated finance marketplace connecting small and medium enterprises with financing solutions from 60+ fintech and banking partners. Founded in 2019 with operational headquarters in Arezzo and legal headquarters in Milan, the company was acquired by TeamSystem S.p.A. in June 2024 and continues operating as a wholly-owned subsidiary within that group. The company holds OAM (Organismo degli Agenti e dei Mediatori) registration M463 as a credit intermediary, the regulatory license required for credit mediation activity in Italy.
The company's core product is CC Suite, a digital platform that aggregates over 100 financial solutions across credit (medium-long term loans, invoice trading, reverse factoring, instant lending, crowdfunding, leasing) and facilitated finance (European, national, and regional grants, subsidized loans, tax incentives). Matching is powered by two proprietary algorithms: CC Rank, which uses machine learning to analyze company balance sheets and rank the most appropriate financing options, and the Cash Conversion Cycle analysis, which predicts liquidity needs. A "HumanTech" service model layers dedicated advisors on top of the digital workflow, with free Partita IVA-based pre-screening, 48-hour proposal delivery, and advisor accompaniment through closing.
Revenue is generated primarily through success fees on completed financing operations and secondary marketplace commissions from partner providers. Distribution combines direct self-service digital access with a hybrid channel network spanning trade association partnerships (Confartigianato, Confcommercio, Fidi Toscana, CONFIDARE, ConfederAziende), fintech platform white-label integrations (24Finance, PrestitoSì), Artigiancassa Point operations for BNL BNP Paribas, and three acquired advisory subsidiaries (Credit Team, Ricrea, Finage Consulting). Primary customers are Italian SMEs, with secondary focus on innovative startups and Northern Italian manufacturing companies; named enterprise references include Atalanta Bergamasca Calcio. Geographic footprint spans 10 Italian locations plus a Madrid office for the Spanish market, with over 1,000 companies financed and €150 million+ intermediated through the platform to date.
Change Capital firmographics
Firmographics- Name
- Change Capital
- Legal name
- NETFINTECH SRL
- Website
- https://changecapital.it
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Change Capital is an Italian fintech marketplace that uses AI-powered matching (CC Rank algorithm) to connect SMEs with over 100 credit, leasing, and facilitated finance solutions from 60+ partner providers via its CC Suite platform. Acquired by TeamSystem S.p.A. in June 2024.
- Ownership category
- akta.pro rank
Change Capital industry classification
Industry- Product category
- SME Lending Marketplace
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Miscellaneous Business Credit Institution (6159), Finance Services (6199)
- akta.pro primary industry
- SME Term Loans & Growth Capital (FSAKAGAB)
Keywords
Where Change Capital is headquartered
LocationHeadquarters
- HQ city
- Arezzo
- HQ country
- Italy
- HQ region
- Europe
Offices5 records
Markets served
Change Capital business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Success Fee on Financing Operations: Company works on success fee basis after providing free pre-screening. Fees are earned when financing operations are successfully completed for clients. This is the primary revenue stream.
- Marketplace Commission from Fintech Partners: Platform aggregates solutions from over 60 fintech and financial institution partners, earning commissions or referral fees for directing businesses to partner solutions
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free initial eligibility assessment |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels6 records
Change Capital product offering
Product offeringCore offering
Change Capital operates a digital marketplace platform (CC Suite) that connects Italian SMEs with over 100 financial solutions from fintech and traditional financial providers. The platform uses AI-powered matching algorithms to analyze company financial data and identify optimal financing options including credit facilities, facilitated finance (grants and subsidies), invoice trading, leasing, and crowdfunding. A dedicated advisor accompanies each client through the entire process from eligibility assessment to funding disbursement.
Product overview
Change Capital operates as a fintech platform offering an integrated suite of credit mediation and facilitated finance services through its CC Suite platform. The platform combines AI-powered matching algorithms (CC Rank) with human advisor support to connect SMEs with over 100 financial solutions including credit facilities, invoice trading, leasing, and subsidized financing programs. The product architecture includes core modules for Credit and Finanza Agevolata services, supported by proprietary algorithms for financial analysis and solution matching. Acquired brands Credit Team and Finage Consulting strengthen the facilitated finance capabilities.
Differentiator
Problem solved
Functional benefit
Brands
- CC Suite: Digital platform for credit and facilitated finance solutions that allows businesses to search and obtain financing by inserting their tax ID (Partita IVA)
Products and services
- CC Suite Digital marketplace platform that aggregates over 100 financial solutions from fintech and traditional financial operators, enabling Italian SMEs to access credit, facilitated finance, invoice trading, leasing, and crowdfunding through AI-powered matching.
- Finanza Agevolata (Facilitated Finance) Subsidized and incentive-based financing services including European, national, and regional grants, subsidized loans, interest subsidies, and tax incentives covering internationalization, health and safety, productive investments, training, innovation, ESG, capitalization, and R&D.
- Credito (Credit) Credit mediation services providing access to traditional and alternative financing solutions including medium-long term loans, invoice trading, reverse factoring, instant lending, crowdfunding, and leasing.
Quantifiable outcome
- Response within 48 hours for financing requests
- +2 more outcomes
Companies that use Change Capital
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Change Capital technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability5 records
Feature4 records
Change Capital partnerships and signals
Strategic signalPartnerships
26 partnerships are on record, tiered minor and core.
- ODCEC MilanominorJoint organization of internationalization conference with Order of Commercial Accountants of Milan. Finage Consulting (Change Capital group) collaborated on facilitated finance education for professionals.
- Finage ConsultingcoreMilan-based advisorship specializing in facilitated finance, acquired 100% by Change Capital to strengthen position in facilitated finance sector. Creates leading division in northern Italy with Credit Team.
- The Social Hub (Florence)minorParticipation in circular economy summit on fashion industry innovation and sustainability in Florence.
- Atalanta Bergamasca CalciominorTwo-year agreement for facilitated finance solutions including factoring, crowdfunding, reverse factoring for club development projects. Managed through Credit Team subsidiary.
- Credit TeamcoreBrescian company acquired 100% by Change Capital, operating since 2013 in facilitated finance sector with 350+ SME clients in North-East Italy. 2021 revenues of €620,000, estimated €1 million for 2022.
- RicreaminorStartup acquired 100% by Change Capital, operating in credit mediation and OAM registered, supporting Italian SMEs in credit access.
- Banca Privata Leasing (BPL)coreLeasing partnership adding equipment, instrumental, and real estate leasing options. Banca Privata Leasing is one of Italy's most specialized leasing providers.
- Confartigianato FirenzecorePartnership to offer innovative credit access services to 6,000+ member enterprises. Change Capital platform enables quick identification of optimal financing solutions for member needs.
- BHLendingminorPeer-to-peer lending platform partnership to provide Change Capital services to Italian entrepreneurs through digital channels.
- Confartigianato Imprese BaricoreAgreement to propose innovative credit access service benefiting Bari territory enterprises. Partnership brings digital access to credit through Change Capital platform.
- Creditfidi (Confartigianato Chieti L'Aquila)coreConsortium of Confartigianato Chieti L'Aquila partners with Change Capital for fintech solutions supporting SMEs. CC Suite platform provided to members.
- Confcommercio CataniacoreAgreement to support member enterprises with financial innovation. CC Suite platform analyzes balance sheets and proposes up to 100 financial solutions.
- Fidi ToscanacorePartnership bringing fintech innovation to Tuscan enterprises. Fidi Toscana clients gain access to Change Capital platform for digital credit search.
- CONFIDAREcorePartnership with Banca d'Italia supervised financial intermediary. All members can use CC Suite platform for financial services with one click.
- Servizi Imprese TrentominorTrentino company providing accounting and fiscal services partners with Change Capital to promote financial solutions for SMEs.
- 24FinancecoreCredit mediation company specializing in personal loans affiliates with Change Capital platform. White-label CC Suite integration provides instant balance sheet analysis.
- PrestitoSìcoreFinancial services company connects to Change Capital platform to support business financing search. Offers 60+ financial solutions including invoice advance and working capital.
- PinvcoreOpen Finance partnership connecting Pinv's cash flow management with Change Capital's financing solutions. API integration enables instant access to hundreds of fintech services.
- FlowPaycoreStrategic Open Banking partnership. FlowPay is the first Italian startup authorized by Banca d'Italia as PISP and AISP. API technology enriches services with real-time payment solutions.
- Anticipay (Zucchetti Group)coreInvoice trading partnership with API integration. Anticipay provides marketplace for commercial invoice sale to institutional investors, enabling 48-hour cash flow improvement.
- Artigiancassa (BNL BNP Paribas)coreChange Capital operates as Artigiancassa Point, offering Artigiancassa products alongside its own platform. Supports micro, small and medium enterprises with traditional banking products.
- Confartigianato Imprese LatinacorePartnership to offer alternative finance solutions to member enterprises through Change Capital digital platform.
- ConfederAziendecorePartnership enabling member enterprises to access Change Capital platform for credit solutions. Platform analyzes financials and proposes solutions in 48 hours.
- Confcommercio FirenzecoreCollaboration to offer fintech solutions to clients and optimize service for members. Platform provides up to 100 solutions in 48 hours.
- Crowdinvest ItaliaminorEquity crowdfunding partnership to help Italian manufacturing SMEs access capital through crowdfunding campaigns with end-to-end support.
- Italia FintechminorIndustry association membership demonstrating position in Italian fintech ecosystem.
Scale indicators12 records
Recent moves7 records
Expansion highlights6 records
Change Capital competitors and assessment
Company assessmentDirect peers
- Credimi: Italian fintech platform providing SMEs with digital access to credit, factoring and lending solutions via a partner-bank network. Closely comparable to Change Capital in target customer (Italian SMEs), product category (online credit marketplace) and success-fee monetization model.
- BorsadelCredito: Italian online credit marketplace connecting SMEs and professionals with multiple bank lenders, with proprietary matching algorithms. Directly comparable as a digital credit intermediation platform for Italian SMEs competing head-to-head with Change Capital's CC Suite.
- Workinvoice: Italian fintech offering invoice advance/trading and working capital solutions to SMEs through institutional investors. Overlaps with Change Capital's invoice-trading product line and shares the Italian SME target market and transactional fee model.
Broad incumbents
- October (Lendopolis): European digital lending platform (formerly Lendopolis) providing SME financing across multiple countries. Broader geographic footprint than Change Capital but overlapping in marketplace-style SME credit intermediation and success-based economics.
- Younited Credit: European consumer and SME credit platform operating across multiple countries with a marketplace model aggregating bank and institutional funding. Comparable in marketplace architecture and credit intermediation focus, though broader in scope and geographic reach than Change Capital.
- Funding Circle: Listed UK-origin SME lending marketplace connecting small businesses with institutional and bank lenders. Comparable as a multi-lender SME credit marketplace with technology-driven underwriting and origination; broader scale and product set than Change Capital.
Emerging players
- Defacto: French fintech offering embedded working-capital and credit APIs to SMB platforms and marketplaces. Comparable to Change Capital in using open banking/PSD2 data for SME credit decisions, though focused on API distribution rather than a direct SME-facing portal.
Regional players
- Fido (WeMoney / Fido Technologies): European SME lending and credit-decisioning platform using alternative data. Comparable technology approach (alternative-data-driven SME credit) and overlapping target customer, but primarily serving Eastern European and EU markets outside Italy.
Others
- TeamSystem (parent / acquirer): Italian business software (ERP, payroll, accounting) group that acquired Change Capital in June 2024. Relevant as the strategic parent and distribution channel rather than a direct competitor; comparable as a comparable Italian SMB-tech ecosystem player.
- Italia Fintech (industry association): Italian fintech industry association of which Change Capital is a member. Relevant as ecosystem/peer context for Italian fintech credit platforms; included to reflect the broader Italian fintech community in which Change Capital competes.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Change Capital social profiles
Digital presenceChange Capital compliance and trust
Trust signalCompliance3 records
Change Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Change Capital leadership team
Management profileNumber of profiles
Profiles2 records
Change Capital subsidiaries and ownership
Company hierarchySubsidiaries4 records
Change Capital funding detail
Funding detailFunding overview
Funding rounds3 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Change Capital M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Change Capital
What does Change Capital do?
Change Capital operates a digital marketplace platform (CC Suite) that connects Italian SMEs with over 100 financial solutions from fintech and traditional financial providers. The platform uses AI-powered matching algorithms to analyze company financial data and identify optimal financing options including credit facilities, facilitated finance (grants and subsidies), invoice trading, leasing, and crowdfunding. A dedicated advisor accompanies each client through the entire process from eligibility assessment to funding disbursement.
Is Change Capital a public or private company?
Change Capital is a private company. It is classified as corporate owned and is currently operating.
When was Change Capital founded?
Change Capital was founded in 2019. It employs 51 to 100 people.
Where is Change Capital based?
Change Capital is headquartered in Arezzo, Italy, in the Europe region.
How does Change Capital make money?
Two revenue lines are on record. Success Fee on Financing Operations are the primary driver. The others are marketplace Commission from Fintech Partners.
Who are Change Capital's main competitors?
Direct peers on record are Credimi, BorsadelCredito and Workinvoice. Broad incumbents are October (Lendopolis), Younited Credit and Funding Circle. Defacto is listed as an emerging player. Fido (WeMoney / Fido Technologies) is listed as a regional player. Others are TeamSystem (parent / acquirer) and Italia Fintech (industry association).
Does Change Capital have an API?
Yes. Change Capital integrates with third-party platforms via Open Banking APIs using PSD2 protocol. The platform enables real-time data access through API connections for cash flow management, treasury operations, and payment initiation services. Open Banking Solution Design allows integration of financial data aggregation with internal management tools and collection/payment services.
What industry is Change Capital in?
Change Capital's product category is SME Lending Marketplace. Its primary akta.pro industry code is FSAKAGAB, SME Term Loans & Growth Capital. Its NAICS code is 5223 and its SIC code is 6159.