What Signor Prestito SpA does

Signor Prestito SpA is an Italian financial services intermediary headquartered in Verona (Viale delle Nazioni 9) and organized as a Società per Azioni with €500,000 paid-in capital. The company operates as an Agente in Attività Finanziaria licensed by the OAM (registration A17919) and registered with the RUI (A000819388), distributing consumer credit products on behalf of Prexta Spa, a financial intermediary within the Mediolanum Banking Group. Its core products are Cessione del Quinto (salary- and pension-backed loans with fixed-rate automatic deduction), Prestito Personale (unsecured personal loans), and Anticipo TFS (advances against the Trattamento di Fine Servizio for public-sector employees), supplemented by Prestito Delega, debt consolidation, and loan renewal offerings. The customer base is retail-B2C and segmented across public-sector employees, private-sector employees, pensioners, and self-employed Partite IVA holders across Italy.

The company operates a hybrid distribution model anchored by 79 physical branches nationwide staffed by approximately 250 financial consultants, supplemented by digital intake channels including a multi-step online quote request form, toll-free line (800.300.989), WhatsApp, and email. The technology stack consists of standard digital lending enablement rather than proprietary AI: Namirial-certified digital signatures for remote contract execution, Ineo S.r.l. for pension and employment document handling via patronati, and a marketing analytics layer comprising Google Analytics, Hotjar, Facebook Pixel, Criteo, and Google Dynamic Remarketing. TV advertising runs alongside paid digital channels for top-of-funnel lead generation. Customer-facing claims include a 4.9/5 eKomi review score and 95% internal satisfaction rate.

Signor Prestito earns revenue through commissions on loan products originated and distributed under its agency relationship with Prexta Spa and other intermediaries — the company does not take credit risk, as Prexta retains underwriting authority and is the counterparty to the financed contracts. Governance includes GDPR compliance, a D.Lgs. 24/2023-aligned Whistleblowing channel, and full disclosure of transparency documentation. No funding rounds, M&A activity, or named institutional investors are disclosed.

Name

Signor Prestito SpA

Legal name

SIGNOR PRESTITO S.P.A.

Website

https://signorprestito.it

Company type

Private

Operating status

Operating

Headcount range

251–500 employees

Short description

Signor Prestito SpA is a Verona-based Italian financial agent (OAM-licensed) distributing Cessione del Quinto, personal loans, and TFS advances on behalf of Prexta Spa (Mediolanum Banking Group) through 79 branches and 250 consultants serving retail borrowers across Italy.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Channel/Partner Sales Support (Reseller Enablement, Deal Reg) (BPAAADAH)

Keywords

• Cessione del Quinto
• Personal loans
• Debt consolidation
• Financial advisory services
• Salary-backed lending

Headquarters

HQ city

Verona

HQ country

Italy

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Technology or R&D, Others

Revenue model

1. Financial Product Distribution Commission: Signor Prestito operates as an agent (Agente in Attività Finanziaria) for Prexta Spa and other financial intermediaries, earning commissions on financed products distributed including Cessione del Quinto, delegation of payment, TFS advances, and personal loans. The company is registered with OAM (Organismo Agenti e Mediatori) and the RUI (Registro Unico Intermediari).

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

Signor Prestito SpA operates as an Italian financial agent (Agente in Attività Finanziaria) distributing consumer loan products — primarily Cessione del Quinto, personal loans, TFS advances, debt consolidation, and loan renewals — originated by Prexta Spa (Mediolanum Banking Group). Distribution is delivered through 79 branches across Italy supported by 250 financial consultants, supplemented by online quote requests, WhatsApp, and toll-free phone channels. The company earns transaction-based commissions on financed products and holds OAM (A17919) and RUI (A000819388) registrations.

Product overview

Signor Prestito SpA is a financial services company (Società per Azioni) operating as an Agente in Attività Finanziaria (Financial Activity Agent). The company offers a portfolio of loan and financing products distributed through a network of 79 branches across Italy with 250 consultants. The core products are: Cessione del Quinto (salary/pension-backed loan with automatic deduction), Prestito Personale (personal loan), and Anticipo TFS (advance on terminal benefits). These are complemented by supplementary products including Prestito Delega (delegation loan for additional liquidity), Consolidamento Debiti (debt consolidation), and Rinnovo della Cessione del Quinto (loan renewal). The company operates as an agent for Prexta Spa, a financial intermediary registered with Bank of Italy, distributing their products under the Bancario Mediolanum group.

Differentiator

Problem solved

Functional benefit

Products and services

• Cessione del Quinto A loan product with a fixed installment directly withheld from salary or pension, dedicated to employees (public and private with >16 employees) and retirees. Repayment is made through automatic deduction by the employer or pension institution. Features a fixed rate and flexible repayment terms.
• Prestito Personale A flexible and customizable personal loan ideal for financing personal projects, unexpected expenses, or consolidating debts. No destination restrictions apply to the proceeds. Installments are tailored to the borrower's needs.
• Anticipo TFS Advance on Terminal Service Benefits (Trattamento di Fine Servizio - TFS) provided to public employees with customized solutions, allowing access to accrued end-of-service funds before the standard payout.
• Prestito Delega Also known as Cessione del Doppio Quinto, a financing formula dedicated to public and private employees who already have an active Cessione del Quinto and want to obtain an additional sum. Allows withholding of up to two-fifths of salary for installment repayment. Not available for retirees.
• Consolidamento Debiti Debt consolidation solution that unifies multiple active loans into a single monthly installment, extinguishing previous financing and obtaining more comfortable and sustainable conditions. Additional cash can be requested for new expenses.
• Rinnovo della Cessione del Quinto Loan renewal service allowing customers to extinguish the current Cessione del Quinto financing and stipulate a new contract, receiving additional liquidity while maintaining the same fixed installment convenience.

Quantifiable outcome

• 95% customer satisfaction rate
• +1 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration18 records

Feature3 records

Partnerships

Three partnerships are on record, tiered core and supporting.

• Prexta SpacoreChannel Partner/ Reseller/ DistributorSignor Prestito operates as a licensed financial agent (Agente in Attività Finanziaria, OAM A17919) for Prexta Spa, an authorized Financial Intermediary registered with Bank of Italy (Albo Unico no. 117) under Article 106 of Legislative Decree 385/1993. Prexta is part of the Mediolanum Banking Group (Via Ennio Doris, Palazzo Meucci, 20079 Milan 3 - Basiglio). Signor Prestito distributes Prexta's Cessione del Quinto, delegation of payment, TFS advance, and personal loan products. Prexta retains credit evaluation and approval authority.
• Ineo S.r.l.supportingImplementation/ SI/ Consulting PartnerIneo S.r.l. provides document management services for Signor Prestito customers, handling delivery and retrieval of financial documentation including pension records (estratto conto contributivo, Obis M, CU/CUD) from third-party entities such as patronato offices. Ineo operates as an autonomous data controller under its own privacy policy, providing operational support for loan application processing.
• Patronati (Labor Advisory Offices)supportingImplementation/ SI/ Consulting PartnerPartner organizations (patronato) that assist customers in obtaining employment and pension documentation required for loan applications, working in coordination with Ineo S.r.l. for document transmission.

Scale indicators4 records

Recent moves7 records

Expansion highlights4 records

Direct peers

• Creditis SpA: Creditis is an Italian financial intermediary specialized in Cessione del Quinto and salary-backed loans, focused on public sector employees. Comparable as a direct niche competitor in the CQS category.
• Agos Ducato: Agos Ducato is a major Italian consumer credit specialist (Crédit Agricole / Banco BPM) offering personal loans, Cessione del Quinto, and auto finance. Comparable in product portfolio and Italian retail distribution focus.
• Pitagora SpA: Pitagora is an Italian financial intermediary specialized in Cessione del Quinto and salary-backed loans for public and private employees. Closely comparable niche competitor in the same CQS product category.
• Findomestic Banca: Findomestic is a leading Italian consumer credit provider (BNL/BNP Paribas group) specializing in personal loans and salary-backed loans. Directly comparable as a large Italian personal-loan distributor with overlapping customer segments.
• Cofidis Italia: Cofidis Italia is the Italian subsidiary of Crédit Mutuel's Cofidis, distributing personal loans and consumer credit through digital and partner channels. Comparable as a multi-channel consumer credit intermediary in Italy.
• PrestitiOnline.it: PrestitiOnline.it is an Italian online loan broker aggregating personal loan and Cessione del Quinto offers from multiple lenders. Comparable as a multi-lender distribution intermediary.
• Compass SpA: Compass is the consumer-finance arm of Mediobanca, offering personal loans and Cessione del Quinto across Italy. It is the most directly comparable large-scale consumer credit intermediary to Signor Prestito in product mix and Italian retail distribution.
• Santander Consumer Bank: Santander Consumer Bank is a major Italian consumer lender (Santander Group) offering personal loans, auto finance, and Cessione del Quinto through direct and agent channels—comparable scale and channel mix to Signor Prestito.

Emerging players

• Facile.it: Facile.it is Italy's largest price-comparison and intermediation marketplace for financial products, including personal loans and Cessione del Quinto. Comparable as a digital intermediation channel competing for the same customer demand.
• Younited Credit Italy: Younited operates a digital consumer lending platform in Italy offering instant personal loans. Comparable as a digital-first consumer credit intermediary competing for the same retail borrower segments.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Signor Prestito SpA