What Figenpa does

Figenpa S.p.A. is a privately held Italian financial services company headquartered in Genoa, operating as a registered credit intermediary under Article 106 of the Italian Consolidated Banking Act (TUB), with registration number 159 in the Albo Unico. Founded in 1993, the company has built a nationwide retail distribution network of 35+ physical branches across most Italian regions, complemented by digital service channels (online loan request forms, toll-free 800327328, WhatsApp, email, SPID activation). The company's core customer base consists of Italian consumers — public sector employees, private sector employees with permanent contracts, INPS/EX-INPDAP pensioners (minimum pension €700), and self-employed workers — together with small and medium enterprises requiring business financing.

The product portfolio centers on consumer credit, with Cessione del Quinto (fifth-of-salary-backed loans with automatic deduction) as the flagship, alongside personal loans up to €75,000 with 48-120 month repayment terms, financing for atypical workers, debt consolidation, payment delegation (delegazione di pagamento), and TFS/TFR severance advances. Pricing is tiered by customer risk profile: public employees receive TAN 6.893% / TAEG 7.130%, private employees TAN 8.845% / TAEG 9.230%, and pensioners TAN 9.150% / TAEG 9.560%, with statutory maximum TAEG of 20%. Supplementary revenue streams include accident insurance bundled with loans, QOMODO Buy Now Pay Later, Amazon Counter pickup at branches, SPID digital identity activation, and mortgage referral — but no proprietary AI/ML, no developer API, and no proprietary technology stack beyond a conventional loan-origination portal are evidenced.

Figenpa monetizes primarily through credit intermediation commissions on loans originated via partner lending institutions, supplemented by interest revenue on any balance-sheet lending and ancillary insurance/BNPL fees. Registered share capital is €10,500,000 fully paid-in; revenue figures are not publicly disclosed. Operating geographies are strictly domestic (Italy). The company has expanded gradually over more than three decades through organic branch openings and lightweight point formats rather than M&A or external capital, and remains free of identifiable parent company or institutional investor ownership.

Name

Figenpa

Legal name

Figenpa S.p.A.

Website

https://figenpa.it

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

11–50 employees

Short description

Figenpa S.p.A. is a Genoa-based Italian credit intermediary (founded 1993) operating 35+ branches nationwide. It offers personal loans, cessione del quinto, debt consolidation, TFS/TFR advances, and SME financing to Italian employees, pensioners, and self-employed workers under Article 106 TUB.

Ownership category

akta.pro rank

Product category

Consumer Credit and Lending Services

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163)

akta.pro primary industry

Debt Consolidation & Credit Card Balance Transfer Intermediation (FSAEAEAN)

akta.pro secondary industry

Lending & Credit Disbursements (FSAMAKAH)

Keywords

• Consumer credit services
• Personal loan products
• Salary-backed lending
• Debt consolidation services
• Mortgage referral services

Headquarters

HQ city

Genoa

HQ country

Italy

HQ region

Europe

Offices37 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Loan Interest Revenue: Revenue generated from interest charged on personal loans, cessione del quinto (fifth of salary), and other financing products. Interest rates (TAN) vary by customer profile: public employees typically receive lower rates (e.g., 6.893%), private employees higher rates (e.g., 8.845%), and pensioners (e.g., 9.150%).
2. Credit Intermediation Fees: Fees earned as a credit intermediary under Art. 106 TUB, facilitating loans from partner lending institutions. The company operates nationwide as an intermediary without representation powers.
3. Insurance Products: Sale of insurance products, including accident insurance policies, bundled with loan products as required by law for cessione del quinto.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels8 records

Core offering

Figenpa S.p.A. is an Italian credit intermediary registered under Article 106 of the Consolidated Banking Law (TUB) that originates and distributes consumer credit products, including Cessione del Quinto (salary/pension deduction loans), personal loans, general financing, business loans, debt consolidation, TFS/TFR advances, and payment delegation. The company also offers supplementary services such as accident insurance, BNPL via QOMODO, SPID digital identity activation, and mortgage referrals.

Product overview

Figenpa is an Italian financial services company founded in 1993, operating as a credit intermediary (Intermediario del Credito) registered under Article 106 TUB. The company offers a comprehensive suite of consumer and business lending products centered around non-finalized personal loans and the Cessione del Quinto (salary-backed lending). The core product portfolio includes Cessione del Quinto (fifth-of-salary deductions for employees and pensioners), Prestiti Personali (personal loans up to €75,000), Finanziamenti (general financing), and Prestito alle Imprese (business loans). The company extends its offering through supplementary services including Anticipo TFS/TFR (end-of-service pay advances), Consolidamento Debiti (debt consolidation), Delegazione di Pagamento (payment delegation), and QOMODO BNPL. Additional services include insurance products, SPID activation, Amazon Counter pickup, and mortgage referrals. With branches across Italy, Figenpa primarily serves public and private sector employees, pensioners, self-employed workers, and small-to-medium enterprises.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Maximum loan amount available: €75,000
• +3 more outcomes

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

Three partnerships are on record, tiered minor and core.

• QOMODOminorGTM or Marketing PartnerQOMODO provides 'Buy Now, Pay Later' (BNPL) services integrated with Figenpa's offerings. This partnership allows Figenpa to offer installment payment solutions without additional costs to customers.
• Amazon CounterminorGTM or Marketing PartnerAmazon Counter allows customers to pick up their Amazon orders at Figenpa branches, adding a convenience service for branch visitors.
• Fondo di Garanzia SCCcoreOthersFigenpa adheres to the Fondo di Garanzia SCC guarantee fund, which provides additional security for SME loans under the Ministry of Enterprise and Made in Italy (Law 662/96).

Scale indicators4 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Euroansa: Italian credit intermediary and broker providing personal loans and Cessione del Quinto products through a multi-branch network. Operates in the same regulatory framework (Art. 106 TUB) and targets similar customer segments.
• Cofidis Italia: Italian arm of French Crédit Mutuel's Cofidis group, providing personal loans, salary-backed loans, and revolving credit to Italian consumers. Direct peer in intermediated consumer credit with overlapping customer segments.
• Findomestic: BNP Paribas subsidiary and one of the largest Italian consumer credit intermediaries, offering personal loans and retail point-of-sale financing. Directly comparable to Figenpa on product portfolio and target customer base.
• Agos: Major Italian consumer credit intermediary jointly owned by Crédit Agricole and Banco BPM, offering personal loans, Cessione del Quinto, and auto financing. Competes directly with Figenpa in the same Italian salaried-employee and pensioner segments.
• Prestitalia: Italian credit intermediary specializing in Cessione del Quinto and personal loans, particularly focused on public-sector employees and pensioners — the same primary segments as Figenpa.
• Compass: Italy's largest credit intermediary (Mediolanum group), offering personal loans, Cessione del Quinto, and salary-backed loans through a multi-channel model. Closest direct competitor to Figenpa, with a comparable product mix and a more developed digital channel mix.
• Sigla Credit: Italian credit intermediary offering salary-backed loans (Cessione del Quinto and delegazione di pagamento) and personal loans, focused on employees and pensioners. Closely comparable product offering to Figenpa.

Broad incumbents

• UniCredit: Italy's largest commercial bank with a significant consumer finance arm (UniCredit Subito Casa and personal loans). Broad incumbent that overlaps with Figenpa in personal loans and salary-backed lending, but as part of a much wider product portfolio.
• Banca Mediolanum: Parent of Compass and one of Italy's largest retail banks, with consumer credit products reaching many of the same public-employee and pensioner households Figenpa serves. Larger incumbent offering overlapping capabilities as part of a broader banking portfolio.

Emerging players

• Younited Credit: European digital consumer lender now operating in Italy, offering personal loans through a fully online funnel. Represents the digital-first competitive threat to Figenpa's branch-based intermediation model, with overlapping target customers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCIQdACuI9F2vFeV0USHUSDg
• Facebookfacebook.com/figenpaufficiale
• LinkedInlinkedin.com/company/figenpa
• Instagraminstagram.com/figenpaspa

Compliance3 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 Figenpa