BorsadelCredito.it
BorsadelCredito.it is an Italian online SME lending marketplace founded in 2013 in Milan, connecting small and medium-sized enterprises with financing providers. Now part of the AAtech/Opyn group following a September 2025 acquisition, it operates within an integrated credit technology ecosystem spanning Lending-as-a-Service, B2B BNPL, AI credit evaluation, and private cloud infrastructure.
- Company typePrivate
- Founded2012
- HeadquartersMilano, Italy
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What BorsadelCredito.it does
BorsadelCredito.it is an Italian online SME lending marketplace founded in 2013 and headquartered in Milan. The company operates as a digital marketplace connecting small and medium-sized enterprises seeking financing with lenders, and has raised approximately $2.89M across three disclosed funding rounds between 2015 and 2018, with P101 as lead investor in two rounds and additional participation from Azimut Holding, GC Holdings, and iStarter. The founding team is led by Ivan Pellegrini (Co-Founder & General Manager) and Paolo Giannotti (Founder & Investor).
Following a corporate restructuring in September 2025, BorsadelCredito.it operates within the AAtech S.p.A. SB group alongside the Opyn credit technology platform. The integrated product portfolio spans Opyn Universe (Lending-as-a-Service technology platform for financial institutions), Opyn Credit AI (AI-powered creditworthiness evaluation using big data), Opyn Pay Later (B2B Buy Now Pay Later solution for SMEs and their business clients), and Opyn Puls (AI-ready private cloud infrastructure launched January 2026). The group reports having supported over 7,000 businesses since 2012, with named customers including Azimut Holding (asset management) and Cau srl (SMB B2B payment user).
The business model combines marketplace transaction fees between SME borrowers and lenders, Lending-as-a-Service licensing and platform fees for financial institutions, B2B BNPL transaction fees, and subscription-based private cloud infrastructure services. Go-to-market is hybrid: enterprise direct sales via 'Request information' (Richiedi informazioni) CTAs for LaaS and infrastructure products targeting financial institutions and large enterprises, complemented by self-serve portals (Opyn Now for financing and lenders, Opyn Pay Later login) for SMB onboarding, and dedicated partnership programs across all major product lines for channel expansion across Italy and Europe.
BorsadelCredito.it firmographics
Firmographics- Name
- BorsadelCredito.it
- Legal name
- Opyn Spa (P.IVA07956480961) Società Capogruppo
- Website
- https://borsadelcredito.it
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- BorsadelCredito.it is an Italian online SME lending marketplace founded in 2013 in Milan, connecting small and medium-sized enterprises with financing providers. Now part of the AAtech/Opyn group following a September 2025 acquisition, it operates within an integrated credit technology ecosystem spanning Lending-as-a-Service, B2B BNPL, AI credit evaluation, and private cloud infrastructure.
- Ownership category
- akta.pro rank
BorsadelCredito.it industry classification
Industry- Product category
- B2B Lending Technology
- NAICS
- Sales Financing (52222), Other Activities Related to Credit Intermediation (522390), Credit Bureaus (561450)
- SIC
- Finance Services (6199), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)
- akta.pro secondary industries
- SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM), Vertical-Specific POS Financing (e.g., Healthcare, Auto, Home Improvement) (FSAGAIAK)
Keywords
Where BorsadelCredito.it is headquartered
LocationHeadquarters
- HQ city
- Milano
- HQ country
- Italy
- HQ region
- Europe
Offices1 record
Markets served
BorsadelCredito.it business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Lending as a Service (LaaS): Technology licensing and platform fees for financial institutions to deploy lending capabilities using Opyn's infrastructure, AI, and big data tools
- B2B BNPL Transaction Fees: Transaction-based revenue from Buy Now Pay Later services offered to B2B customers, with payment flexibility features
- Private Cloud Infrastructure Services: AI-ready private cloud infrastructure services under Opyn Puls brand, enabling enterprises to accelerate digital transformation
Go-to-market motion3 records
Distribution channels3 records
Marketing channels5 records
BorsadelCredito.it product offering
Product offeringCore offering
BorsadelCredito.it (operating under the Opyn group) is an Italian fintech offering a multi-product credit technology portfolio for businesses. Its core offerings are Opyn Pay Later (B2B Buy Now Pay Later), Opyn Universe (Lending as a Service platform for financial institutions), Opyn Puls (AI-ready private cloud infrastructure), and Opyn Credit AI (AI-driven credit evaluation), collectively serving B2B businesses, financial institutions, and enterprise IT departments across Italy and Europe.
Product overview
Opyn is a financial technology company offering a multi-product portfolio centered on credit servicing and AI-powered financial solutions. The core offerings include Opyn Puls (AI-ready private cloud infrastructure), Opyn Pay Later (B2B Buy Now Pay Later solution), Opyn Universe (Lending as a Service platform), and Opyn Credit AI (AI-powered credit assessment module). The products are designed to work both independently and as an integrated suite, with Opyn Universe serving as the underlying technology platform that powers lending capabilities, while Opyn Credit AI provides AI-driven credit analysis that can be utilized across the ecosystem.
Differentiator
Problem solved
Functional benefit
Brands
- Opyn Puls: Private Cloud AI-ready infrastructure for businesses, enabling digital transformation through cloud and private cloud solutions
- Opyn Pay Later
- Opyn Universe
- Opyn Credit AI
Products and services
- Opyn Puls AI-ready private cloud infrastructure enabling enterprises to accelerate digital transformation with maximum flexibility offered by cloud and private cloud solutions. Targeted at large enterprises needing AI-ready infrastructure and data sovereignty.
- Opyn Pay Later Buy Now Pay Later (BNPL) solution for B2B businesses that enables companies to offer flexible and secure payment options to their business clients. Designed for Italian B2B SMEs seeking cash flow management and payment collection optimization.
- Opyn Universe Lending as a Service (LaaS) technology platform that allows businesses, particularly financial institutions, to innovate processes and offer financial services through integrated big data and AI technology. Enables banks and asset managers to deploy modern lending capabilities without building from scratch.
- Opyn Credit AI Artificial intelligence solution for the credit industry that speeds up and simplifies creditworthiness evaluation using big data and AI-powered analysis. Speeds up and simplifies credit assessment for lenders.
Companies that use BorsadelCredito.it
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
BorsadelCredito.it technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature4 records
BorsadelCredito.it partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core and minor.
- AAtech S.p.A. SBcoreOpyn entered the AAtech S.p.A. SB group in September 2025, establishing a strategic parent-subsidiary relationship. This acquisition positions Opyn within a larger technology group, likely providing expanded resources and strategic direction for its credit technology and BNPL solutions.
- IpsosminorResearch partnership with Ipsos to conduct the first study on Buy Now Pay Later B2B in Europe, presented at Bricoday 2024. This joint research initiative establishes thought leadership in the European BNPL B2B market.
Scale indicators3 records
Recent moves7 records
Expansion highlights6 records
BorsadelCredito.it competitors and assessment
Company assessmentDirect peers
- October: European SME lending platform operating across multiple countries — comparable to Opyn Universe (Lending as a Service) on the cross-border SME credit infrastructure layer.
- Credimi: Italian online lending marketplace for SMEs offering factoring, credit lines, and digital financing — directly comparable to BorsadelCredito.it's SME lending marketplace positioning and overlapping Italian customer base.
- Billie: Berlin-based B2B Buy Now Pay Later platform serving SMEs and enterprises across Europe — directly comparable to Opyn Pay Later and the European B2B BNPL category Opyn is positioning in.
- Hokodo: European B2B BNPL and trade credit platform for marketplaces and B2B merchants — competes head-to-head with Opyn Pay Later and shares the embedded credit / Lending-as-a-Service angle.
- Fabrick: Italian open banking and embedded finance platform enabling banks and corporates to launch financial services — directly comparable to Opyn Universe's embedded lending/BaaS offering in the Italian market.
- Capchase: B2B BNPL and recurring revenue financing for SaaS and SMEs — competes with Opyn Pay Later on flexible B2B payment financing and shared LaaS-style platform model.
Broad incumbents
- Iwoca: Established UK SME lending platform offering credit lines and small business loans — broader incumbent across European SME credit with overlapping target customers.
- Wayflyer: Revenue and inventory financing platform for ecommerce and SME brands — broader incumbent in non-bank SME credit and revenue-based financing.
Emerging players
- Kriya: UK B2B payments and credit platform offering Pay Later for SMEs — emerging player in the same B2B BNPL vertical with similar target segment.
- FlowPay: Czech-headquartered European B2B BNPL provider — emerging peer in the same vertical, focused on SME flexible payments across European markets.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
BorsadelCredito.it social profiles
Digital presenceBorsadelCredito.it financial estimates
Financial estimateRevenue estimate
Valuation estimate
BorsadelCredito.it leadership team
Management profileNumber of profiles
Profiles2 records
BorsadelCredito.it subsidiaries and ownership
Company hierarchySubsidiaries2 records
BorsadelCredito.it funding detail
Funding detailFunding overview
Funding rounds3 records
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
BorsadelCredito.it 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 BorsadelCredito.it
What does BorsadelCredito.it do?
BorsadelCredito.it (operating under the Opyn group) is an Italian fintech offering a multi-product credit technology portfolio for businesses. Its core offerings are Opyn Pay Later (B2B Buy Now Pay Later), Opyn Universe (Lending as a Service platform for financial institutions), Opyn Puls (AI-ready private cloud infrastructure), and Opyn Credit AI (AI-driven credit evaluation), collectively serving B2B businesses, financial institutions, and enterprise IT departments across Italy and Europe.
Is BorsadelCredito.it a public or private company?
BorsadelCredito.it is a private company. It is classified as corporate owned and is currently operating.
When was BorsadelCredito.it founded?
BorsadelCredito.it was founded in 2012. It employs 1 to 10 people.
Where is BorsadelCredito.it based?
BorsadelCredito.it is headquartered in Milano, Italy, in the Europe region.
How does BorsadelCredito.it make money?
Three revenue lines are on record. Lending as a Service (LaaS) is the primary driver. The others are B2B BNPL Transaction Fees and private Cloud Infrastructure Services.
Who are BorsadelCredito.it's main competitors?
Direct peers on record are October, Credimi, Billie, Hokodo, Fabrick and Capchase. Broad incumbents are Iwoca and Wayflyer. Emerging players are Kriya and FlowPay.
Does BorsadelCredito.it have an API?
No public API is recorded for BorsadelCredito.it.
What industry is BorsadelCredito.it in?
BorsadelCredito.it's product category is B2B Lending Technology. Its primary akta.pro industry code is FSAGALAD, Embedded Lending & Credit (POS, Working Capital, Credit Lines), with a secondary code of FSAGAJAM, SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning). Its NAICS code is 52222 and its SIC code is 6199.