What Prexta does

Prexta S.p.A. is an Italian regulated financial intermediary wholly-owned by Banca Mediolanum S.p.A. and operating within the Gruppo Bancario Mediolanum. Registered at number 117 in the Albo Unico of Banca d'Italia pursuant to art. 106 of D.Lgs. 385/1993 (TUB), with a fully subscribed share capital of €2,040,000 and dual headquarters (legal seat at Basiglio/Milano 3, operational seat in Rome), the company specializes in consumer credit products for the Italian retail market. Core offerings include standard personal loans (Prestiti Personali), the high-ticket Prexta Maxi product for €75,000-€100,000, the small-ticket Prexta Start product under €3,000, salary- and pension-backed loans (Cessione del Quinto, Delegazione di Pagamento), and Anticipo TFS advances for public-sector employees. It also distributes MetLife creditor protection insurance (CL/26/130, CL/26/131, CL/26/132) under IVASS registration D000628844, with preferential pricing for European Disability Card holders as a social-inclusion offering.

Prexta operates a direct-to-consumer model, acquiring customers through its prexta.it website, toll-free line (800 754 445), and the Banca Mediolanum branch and agent network. Revenue is generated primarily through interest income on originated and serviced fixed-rate personal and salary-backed loans, supplemented by distribution fees from placing third-party bank and MetLife insurance products. The company maintains an integrated HSE management system certified to ISO 14001:2015 and ISO 45001:2018, and operates under group-level Gender Equality certification (UNI/PdR 125:2022). The loan portfolio is underwritten per the Italian consumer-credit transparency framework (IEBCC), with stamp duty of €16 per contract and variable TAN/TAEG by product and segment.

No proprietary technology platform is disclosed; core technology is listed as 'Not publicly disclosed'. The company has no mobile app, no API or SDK, no AI modalities, and no patents or trademarks. Its go-to-market depends on traditional regulated lending processes combined with content marketing (financial education blog) and the parent bank's physical distribution channel. Strategic posture is product-line extension and segment broadening (Maxi, Start, Anticipo TFS, Disability Card offering, MetLife bundling) within a single-country, single-vertical Italian consumer credit footprint.

Name

Prexta

Legal name

Prexta S.p.A.

Website

https://www.prexta.it

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

101–250 employees

Short description

Prexta S.p.A. is an Italian regulated financial intermediary and wholly-owned subsidiary of Banca Mediolanum that originates personal loans (up to €100,000), salary- and pension-backed loans (Cessione del Quinto), and distributes MetLife creditor protection insurance to Italian retail consumers via digital, phone, and Banca Mediolanum branch channels.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Nondepository Credit Intermediation (5222), Other Nondepository Credit Intermediation (52229)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Retail Credit (Closed-End) & Promotional Financing (0%/Deferred Interest) (FSAKAFAF)

Keywords

• Personal loans
• Salary-backed loans
• Consumer lending
• Fifth-of-salary loans
• Credit distribution

Headquarters

HQ city

Rome

HQ country

Italy

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest income on loans: Prexta generates revenue by originating and servicing personal loans and salary-backed loans (cessione del quinto, delegazione di pagamento) to Italian consumers. Interest income is the primary revenue stream from fixed-rate financing products. The company also earns distribution fees by placing financial products of other banks and insurance products on behalf of insurance partners (MetLife).

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Prexta S.p.A. is an Italian financial intermediary that originates and services consumer credit products for Italian individuals, including fixed-rate personal loans (Prestiti Personali), the high-amount Prexta Maxi product (€75,000–€100,000), salary/pension-backed loans (Cessione del Quinto) and Delegazione di Pagamento for employees and pensioners, and TFS advances for public sector workers. The company also distributes creditor protection insurance products underwritten by MetLife Europe alongside its loan offerings as an IVASS-registered insurance intermediary.

Product overview

Prexta is a financial services company offering a unified portfolio of credit products, primarily personal loans and salary-backed financing solutions. The core offerings include standard personal loans (Prestiti Personali), the high-value Prexta Maxi (€75,000-€100,000), Cessione del Quinto for employees and retirees, Delegazione di Pagamento, and TFS advances for public sector workers. Additionally, Prexta distributes creditor protection insurance products (CL/26/130, CL/26/131, CL/26/132) underwritten by MetLife Europe d.a.c. and MetLife Europe Insurance d.a.c. The company operates as part of the Gruppo Bancario Mediolanum and is registered as Financial Intermediary No. 117 with Banca d'Italia.

Differentiator

Problem solved

Functional benefit

Brands

• Prexta Maxi: Fixed-rate loan product allowing customers to request amounts exceeding €75,000 up to €100,000 for major personal objectives.
• Prexta for European Disability Card Holders
• Prexta Start

Products and services

• Prexta Maxi Fixed-rate personal loan for amounts above €75,000 and up to €100,000, designed for major personal financial goals. Targeted at Italian consumers seeking larger financing for personal projects.
• Prestiti Personali (Personal Loans) Fixed-rate personal loans for individuals to finance personal or family projects, available across multiple loan amounts and terms, distributed via prexta.it, the toll-free line, and the Banca Mediolanum network.
• Cessione del Quinto Salary or pension assignment loan (quinto dello stipendio/pensione) for Italian employees (public or private) and pensioners, with repayment deducted directly from paychecks or pension payments, maximum duration of 120 months (minimum 24) and mandatory life and unemployment insurance included.
• Delegazione di Pagamento (Payment Delegation) Supplementary loan product for employees where the employer is delegated to make monthly deductions from salary, similar to Cessione del Quinto but voluntary for the employer.
• Anticipo TFS (TFS Advance) Advance on employee termination benefits (Trattamento di Fine Servizio) for public-sector employees in Italy.
• Prexta Start Personal loan product for amounts below €3,000, providing tailored small-ticket financing for personal projects.
• Prestito Personale - European Disability Card Offer Special personal loan rate reserved for holders of the European Disability Card, with published example TAN 8.70% and TAEG 9.12% (e.g., €10,000 repayable in 72 months at €178.77/month, total amount due €12,871.44).
• Creditor Protection Insurance (MetLife CL/26/130) Creditor protection insurance product (CL/26/130) distributed by Prexta on behalf of MetLife Europe d.a.c. for loan borrowers alongside Prexta's credit offerings.
• Creditor Protection Insurance (MetLife CL/26/131) Creditor protection insurance product (CL/26/131) distributed by Prexta on behalf of MetLife Europe d.a.c. for loan borrowers.
• Creditor Protection Insurance (MetLife CL/26/132) Creditor protection insurance product (CL/26/132) distributed by Prexta on behalf of MetLife Europe d.a.c. for loan borrowers.

Quantifiable outcome

• Personal loan for European Disability Card holders example: €10,000 over 72 months at €178.77/month — TAN 8.70%, TAEG 9.12%, total cost €12,871.44.

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core, minor and flagship.

• MetLife Europe d.a.c.coreChannel Partner/ Reseller/ Distributor · 18 March 2024Prexta distributes MetLife Europe d.a.c. creditor protection insurance products (Creditor Protection Insurance CL/26/130, CL/26/131, CL/26/132) alongside its loan offerings. Prexta acts as an insurance distributor registered with IVASS (RUI D000628844).
• MetLife Europe Insurance d.a.c.coreChannel Partner/ Reseller/ Distributor · 18 March 2024Prexta distributes MetLife Europe Insurance d.a.c. creditor protection insurance products (damage insurance) alongside its loan offerings. Both MetLife entities are insurance companies for which Prexta distributes products as a registered insurance intermediary.
• ABI, Fabi, First-Cisl, Fisac-Cgil, Uilca, UnisinminorStrategic or Co-development Partner · 23 November 2023Prexta has adhered to the ABI Protocol for supporting women victims of gender violence, allowing suspension of loan repayments (up to 18 months) for women enrolled in protection programs, with corresponding extension of the amortization plan. The protocol was signed on 23 November 2023 and extended until 25 November 2025.
• Banca Mediolanum S.p.A.flagshipOthers

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Market position

Competitive moat4 records

Key highlights9 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

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 Prexta