Solution Bank
Solution Bank is an Italian boutique bank majority-owned by SC Lowy, operating 10 branches in Emilia-Romagna and a digital channel to serve SMEs with specialized credit (turnaround, UTP, distressed) and individuals with wealth management, leasing and retail banking.
- Company typePrivate
- Founded2004
- HeadquartersForlì, Italy
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Solution Bank does
Solution Bank S.p.A. is an Italian boutique bank headquartered in Forlì, founded in 2004 and operating under the Italian Register of Banks (no. 5597, ABI code 03273.0). It is majority-owned (97.926%) by SC Lowy Financial (Lux) S.à.r.l., a Luxembourg-based alternative asset manager focused on non-investment grade credit in Asia, Europe and the Middle East, with approximately US$3 billion in credit investing and lending platform. Solution Bank distributes through 10 physical branches concentrated in the Emilia-Romagna region (Forlì, Bologna with three sites, Cesena, Rimini, Ravenna, Lugo, Imola, Modena) plus a Milan representative office, complemented by the Solution Mobile app (iOS, Android, Huawei) and Inbank internet banking. As of December 31, 2025, total assets stood at EUR 1.3 billion, with a CET1 ratio of 18.41% and an LCR of 231.93%, and 2024 pre-tax profits exceeded EUR 20 million.
The bank's product set spans corporate banking (with subsidized financing via SACE, FEI InvestEU and the MCC Guarantee Fund), specialized lending (real estate, distressed credit/NPL/UTP, turnaround financing), corporate and private leasing under the Solution Lease brand (surpassing EUR 110 million in disbursements within two years of launch), wealth management (ETFSuite with Symphonia SGR using BlackRock iShares plus an open-architecture partner roster including Anima, Azimut, DWS, Fidelity, Invesco, Morgan Stanley, Pictet, PIMCO, Carmignac and Pharus), insurance distribution, and retail accounts/deposits (Classic, Smart, Young and Conto Deposito). Revenue is generated primarily through net interest income from lending, leasing economics on multi-year contracts (vehicle up to 72 months, nautical up to 144 months, equipment up to 120 months, real estate up to 180 months), subscription and management fees on wealth products, and insurance distribution commissions. Deposits are protected by the Italian Interbank Deposit Protection Fund (FITD) up to EUR 100,000 per customer.
Solution Bank's go-to-market is relationship-led: corporate lending originates through direct relationship managers and specialized teams at headquarters and branches, leveraging state-guarantee programs to serve SMEs and small mid-caps with limited access to traditional credit. Distribution to private and affluent clients runs through branch-based EFPA-certified financial advisors, the Salotti Finanziari (Financial Salon) event series, and self-service digital channels. The bank positions itself as a specialized credit provider for complex situations — turnarounds, UTP, distressed assets and acquisition financing — areas mainstream Italian banks typically do not serve at scale.
Solution Bank firmographics
Firmographics- Name
- Solution Bank
- Legal name
- Solution Bank S.p.A.
- Website
- https://solution.bank
- Company type
- Private
- Founded year
- 2004
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Solution Bank is an Italian boutique bank majority-owned by SC Lowy, operating 10 branches in Emilia-Romagna and a digital channel to serve SMEs with specialized credit (turnaround, UTP, distressed) and individuals with wealth management, leasing and retail banking.
- Ownership category
- akta.pro rank
Solution Bank industry classification
Industry- Product category
- Banking Services
- NAICS
- Commercial Banking (52211)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)
- akta.pro secondary industries
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Bank-Affiliated Retail Wealth Management (FSAAAAAB), Wealth Lending & Credit Solutions (Lombard/Margin, Mortgages, Structured Credit) (FSAAABAG), Private Banking Lending (Securities-Backed, Real Estate, Structured Credit) (FSABADAE)
Keywords
Where Solution Bank is headquartered
LocationHeadquarters
- HQ city
- Forlì
- HQ country
- Italy
- HQ region
- Europe
Offices12 records
Markets served
Solution Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income from Lending: Solution Bank generates revenue primarily through interest income from its lending activities, including corporate lending, specialized credit (Real Estate, Distressed Credit, UTP/Turnaround financing), and retail lending (mortgages, personal loans). The bank finances high-potential businesses and companies in complex situations with limited access to traditional credit channels.
- Leasing Operations: Leasing revenue from four product lines: Leasing Targato (vehicles), Leasing Nautico (boats), Leasing Strumentale (equipment/machinery), and Leasing Immobiliare (real estate). Solution Lease brand has surpassed 110 million euros in disbursements in its first two years of operation.
- Current Account and Deposit Services: Fee-based current account services including Classic Solution, Smart Solution, and Young Solution account packages with associated banking services.
- Wealth Management and Investment Advisory: Portfolio management and investment advisory services for affluent, upper affluent, and private clients. Includes ETFSuite (ETF-based managed accounts), fund-based investments through partner SGRs (Anima, Azimut, DWS, Fidelity, Invesco, Morgan Stanley, Pictet, Pimco, Symphonia), and personalized investment planning.
- Insurance Distribution: Insurance products distributed to private clients including health, home, family, and savings insurance policies through partnerships with major global insurance companies.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | ETFSuite Classica - Conservative allocation with max 40% equity |
| Subscription | Annual | ETFSuite Jazz - Balanced allocation with max 70% equity |
| Subscription | Annual | ETFSuite Pop - Growth-oriented allocation with max 80% equity |
| Subscription | Annual | ETFSuite Rock - Maximum growth allocation with up to 100% equity |
| Other | Multi-year contract | Corporate Leasing - Vehicle (Leasing Targato) |
| Other | Multi-year contract | Corporate Leasing - Nautical (Leasing Nautico) |
| Other | Multi-year contract | Corporate Leasing - Equipment (Leasing Strumentale) |
| Other | Multi-year contract | Corporate Leasing - Real Estate (Leasing Immobiliare) |
| Other | Multi-year contract | Private Leasing - Vehicle (minimum financed amount 75,000 euros incl. VAT) |
| Subscription | Annual | Classic Solution - Traditional current account |
| Subscription | Annual | Smart Solution - Digital-focused account |
| Subscription | Annual | Young Solution - Account for ages 14-17 |
| Subscription | Annual | Deposit Account (Conto Deposito) |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels5 records
Solution Bank product offering
Product offeringCore offering
Solution Bank S.p.A. is an Italian boutique bank that provides retail and corporate banking services, including current and deposit accounts, mortgages and personal loans, corporate lending, specialized credit for complex situations (turnaround, UTP, distressed assets), four corporate leasing lines plus private leasing, wealth management and investment advisory (including ETFSuite), and insurance distribution. The bank operates through 10 branches in Northern Italy complemented by the Solution Mobile app and Inbank internet banking platform, and is majority-owned by alternative asset manager SC Lowy Financial.
Differentiator
Problem solved
Functional benefit
Brands
- Solution Lease: Leasing division offering financial leasing solutions for vehicles, nautical units, equipment, and real estate for both corporate and private customers.
- ETFSuite
- Inbank
- Solution Mobile
Products and services
- Corporate Banking Banking services for high-potential businesses including subsidized financing (MCC, SACE, FEI), corporate lending, financial market investments in bonds and syndicated loans, partnership development, and banking services for businesses and freelancers.
- Specialized Lending Specialized credit solutions including Real Estate financing, Distressed Credit investment (NPL/UTP), and Turnaround & Special Situation financing for companies in restructuring.
- Corporate Leasing Corporate leasing solutions including Vehicle Leasing (up to 72 months), Nautical Leasing (up to 144 months), Instrumental Leasing for machinery (up to 120 months), and Real Estate Leasing (up to 180 months). Disbursements have surpassed 110 million euros in the first two years of Solution Lease operation.
- Conti Correnti e Depositi Current and deposit account solutions including Classic Solution (traditional branch banking), Smart Solution (digital-first), Young Solution (ages 14-17), and Deposit Account with fixed rates and FITD protection up to 100,000 EUR.
- ETFSuite ETF-based asset management solution by Symphonia SGR using BlackRock iShares ETFs. Four portfolio strategies: Classica (conservative, max 40% equity), Jazz (balanced, max 70% equity), Pop (growth, max 80% equity), Rock (dynamic, up to 100% equity). Minimum investment 20,000 EUR.
- Wealth Management Personalized wealth management including professional advisory, portfolio management using Italian and international mutual funds (Anima, Azimut, DWS, Fidelity, Invesco, Morgan Stanley, Pictet, Pimco, Symphonia), investment consulting, and real-time monitoring via Internet Banking or App.
- Assicurazioni Insurance solutions covering Health, Home and Family (including pet protection), Savings Policies (pension and life insurance), and children's protection from birth to age 15.
- Private Leasing Private leasing for vehicles (minimum 75,000 EUR financed including VAT) and nautical units, offering flexible conditions for new or used acquisitions.
- Solution Mobile Mobile banking application for iOS, Android (Google Play), and Huawei (AppGallery) devices. Enables account management, secure payments, investment monitoring, and rapid authorization via biometric authentication (fingerprint/FaceID) or quick PIN.
- Inbank Internet Banking Internet banking platform accessible at www.inbank.it for secure, fast account management, transaction authorization, and access to banking services.
Companies that use Solution Bank
Customer profileNamed customers12 records
Segments5 records
Ideal customer profiles3 records
Solution Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
Feature4 records
Solution Bank partnerships and signals
Strategic signalPartnerships
15 partnerships are on record, tiered core and minor.
- SACEcoreStrategic partnership to enhance financing capabilities for Italian enterprises. Solution Bank provides financing guaranteed by SACE for businesses seeking growth capital and international expansion support.
- Quaestio SGRminorNew distribution agreement announced October 2024 for distribution of Quaestio SGR products to Solution Bank clients.
- FEI (European Investment Fund) - InvestEU Programcore50 million euro program supporting Italian SMEs and Small Midcap companies through the InvestEU initiative. Solution Bank acts as financial intermediary for FEI-guaranteed financing.
- MCC (Medio Credito Centrale)corePartnership for subsidized financing programs through the Italian SME Guarantee Fund (Fondo di Garanzia MCC). Provides access to state-guaranteed loans for businesses with limited traditional credit access.
- Symphonia SGRcorePartnership for ETFSuite wealth management product - ETF-based managed accounts using iShares (BlackRock) ETFs. Solution Bank distributes Symphonia SGR ETF products to clients with four risk profiles.
- Anima SGRminorInvestment management company partner for wealth management services, offering mutual funds and investment solutions.
- AzimutminorInvestment management company partner for wealth management services.
- DWSminorGlobal investment management firm partner for wealth management services.
- FidelityminorGlobal investment management firm partner for wealth management services, regularly featured in financial salon events.
- InvescominorGlobal investment management firm partner for wealth management services.
- Morgan StanleyminorGlobal investment bank partner for wealth management services.
- PictetminorSwiss private banking group partner for wealth management services, regularly featured in financial salon events.
- PIMCOminorGlobal investment management firm specializing in fixed income, partner for wealth management services, regularly featured in financial salon events.
- CarmignacminorFrench independent asset management firm, featured as keynote speaker in Solution Bank's Financial Salon events.
- PharusminorAsset management firm featured in Solution Bank's financial education events.
Scale indicators10 records
Recent moves9 records
Expansion highlights5 records
Solution Bank competitors and assessment
Company assessmentDirect peers
- Banca Ifis: Italian listed bank specializing in NPL/UTP credit, distressed corporate lending, and SME financing. Closest direct peer to Solution Bank's specialized credit and turnaround franchise, with overlapping customer profiles in distressed corporate segments.
- illimity Bank: Italian challenger bank with a dedicated distressed credit division and SME lending focus. Competes directly with Solution Bank in UTP/NPL acquisition and turnaround financing, though with a more digital-native operating model.
- Credito Emiliano (Credem): Mid-sized Italian commercial bank with strong regional presence in Emilia-Romagna. Highly comparable to Solution Bank on geography, SME corporate banking, and wealth management, and one of the closest size- and footprint-matched peers.
- Banca Mediolanum: Italian retail and wealth management bank with a strong advisory-led model and multi-channel distribution. Comparable to Solution Bank on the private/wealth management side and digital self-service channels.
- Banca Sella: Italian family-owned bank combining traditional corporate/retail banking with fintech subsidiaries. Comparable to Solution Bank on boutique corporate banking, private wealth, and digital channel strategy.
- Banca Popolare di Sondrio: Italian regional cooperative bank focused on SMEs and corporate lending in Northern Italy. Direct peer on regional commercial banking, SME credit, and wealth management.
- Banca Generali: Italian private banking and wealth management specialist. Comparable to Solution Bank's wealth management and affluent/private client proposition, although at a larger scale and listed.
- BPER Banca: Major Italian regional bank with strong Emilia-Romagna heritage. Direct peer on regional SME and corporate lending, with overlapping branches and customer base in Solution Bank's core geography.
Broad incumbents
- Fideuram (Intesa Sanpaolo Private Banking): Italian private banking leader within the Intesa Sanpaolo group. Competes with Solution Bank's wealth management and affluent client services, but as part of a much larger incumbent platform.
- UniCredit: One of Italy's largest banking groups, with a comprehensive corporate, SME, and wealth management offering. Competes with Solution Bank across multiple lines but at vastly greater scale, with regional branches throughout Emilia-Romagna.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Solution Bank social profiles
Digital presenceSolution Bank compliance and trust
Trust signalCompliance10 records
Solution Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Solution Bank leadership team
Management profileNumber of profiles
Profiles12 records
Solution Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Solution Bank 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 Solution Bank
What does Solution Bank do?
Solution Bank S.p.A. is an Italian boutique bank that provides retail and corporate banking services, including current and deposit accounts, mortgages and personal loans, corporate lending, specialized credit for complex situations (turnaround, UTP, distressed assets), four corporate leasing lines plus private leasing, wealth management and investment advisory (including ETFSuite), and insurance distribution. The bank operates through 10 branches in Northern Italy complemented by the Solution Mobile app and Inbank internet banking platform, and is majority-owned by alternative asset manager SC Lowy Financial.
Is Solution Bank a public or private company?
Solution Bank is a private company. It is classified as private equity controlled and is currently operating.
When was Solution Bank founded?
Solution Bank was founded in 2004. It employs 101 to 250 people.
Where is Solution Bank based?
Solution Bank is headquartered in Forlì, Italy, in the Europe region.
How does Solution Bank make money?
Five revenue lines are on record. Interest Income from Lending is the primary driver. The others are leasing Operations, current Account and Deposit Services, wealth Management and Investment Advisory and insurance Distribution.
Who are Solution Bank's main competitors?
Direct peers on record are Banca Ifis, illimity Bank, Credito Emiliano (Credem), Banca Mediolanum, Banca Sella, Banca Popolare di Sondrio, Banca Generali and BPER Banca. Broad incumbents are Fideuram (Intesa Sanpaolo Private Banking) and UniCredit.
Does Solution Bank have an API?
Yes. Solution Bank offers PSD2/OpenAPI access for Third Party Providers (TPPs). TPPs can register on the CBI Globe portal to access the bank's services.
What industry is Solution Bank in?
Solution Bank's product category is Banking Services. Its primary akta.pro industry code is FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs), with a secondary code of FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings). Its NAICS code is 52211 and its SIC code is 6022.