SA Finance

What SA Finance does

SA Finance Mediazione Creditizia Srl is an Italian credit brokerage and subsidized finance advisory firm headquartered in Brescia, Italy, with a registered office in Chiari. The company operates two integrated divisions: Mediazione Creditizia, which connects small and medium enterprises (PMI) with banks, leasing providers, factoring companies, and fintech platforms to source credit, leasing, factoring, and digital finance products, and Finanza Agevolata, delivered through wholly-owned subsidiary Agevola Srl Società Benefit, which advises businesses on accessing European, national, regional, and local subsidies and tax incentives. Target segments include Italian SMEs across manufacturing, agriculture/agri-food, commerce/tourism/services, export-oriented firms, and local government entities.

The company's technology stack centers on three proprietary assets: the Cubo document management platform, which provides encrypted, 2FA-authenticated, cloud-hosted (Microsoft SharePoint and AWS DynamoDB) archival of client documents and is maintained with Outsystems-based development by Novigo Consulting; Agevolarating, a continuously monitored structured database of public financial incentives managed by the in-house Centro Studi research arm; and a suite of financial simulators (iperammortamento, loan amortization, leasing, credit merit, and Sabatini contribution calculators) that double as lead-generation and education tools. SA Finance holds OAM registration M336 and ISO 9001 certification, and operates an Ambassador referral channel targeting accountants and equipment/software installers.

The business model is transaction-based, generating revenue primarily through commissions on successfully facilitated financing deals, supplemented by professional services fees for subsidized finance advisory. Pricing is not publicly disclosed, with engagement fees negotiated on a per-deal basis and a free pre-feasibility analysis offered up front. GTM combines direct enterprise field sales (mediation consultants), a content-led inbound motion anchored by Centro Studi guides, calculators, webinars, and newsletters, a self-serve digital layer including the MySAFinance client portal, and a referral channel through accountants and installers. The company is privately held under the direction and coordination of sole shareholder Leonardo Srl, with no external institutional investors, funding rounds, or capital markets activity disclosed.

Name

SA Finance

Legal name

SA Finance Mediazione Creditizia Srl

Website

https://safinance.it

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

SA Finance is an Italian credit brokerage and subsidized finance advisory firm serving Italian SMEs, connecting them with banks, leasing providers, factoring companies, and public subsidy programs across two divisions: Mediazione Creditizia and Finanza Agevolata (via subsidiary Agevola).

Ownership category

akta.pro rank

Product category

Credit Brokerage Services

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163)

akta.pro primary industry

Debt & Capital Advisory (Debt Raising, Refinancing, Private Credit) (BPAHAOAD)

akta.pro secondary industry

Private Credit / Direct Lending (FSAAAHAG)

Keywords

• Credit mediation services
• Subsidized finance advisory
• Business credit brokerage
• Factoring and leasing
• Public incentives consulting

Headquarters

HQ city

Brescia

HQ country

Italy

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Credit Mediation Fees / Commissions: SA Finance acts as a credit mediator between businesses and financial institutions (banks, fintech platforms, investment funds). Revenue is generated through commissions on successfully facilitated financing transactions, factoring operations, leasing arrangements, and other credit products. The company offers free pre-feasibility analysis, with compensation tied to successful deal closure.
2. Subsidized Finance Advisory (Agevola): Advisory services related to accessing public grants, subsidies, and tax incentives (e.g., Nuova Sabatini, Patent Box, Tax Credits, SIMEST). Provided through subsidiary Agevola Srl Società Benefit.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

SA Finance is a credit brokerage and subsidized finance advisory firm that operates two integrated divisions: Mediazione Creditizia (credit mediation), which connects Italian businesses with banks, fintechs, leasing companies, and factoring providers to source credit, leasing, and invoice financing; and Finanza Agevolata (subsidized finance), which identifies and helps clients access public grants, tax credits, and government incentives (e.g., Nuova Sabatini, SIMEST, Patent Box). The offering is supported by the Centro Studi research center, the Agevolarating incentive database, financial simulators, and a network of partner financial institutions.

Product overview

SA Finance operates as a credit mediation and subsidized finance company offering two integrated divisions: Mediazione Creditizia (credit mediation) and Finanza Agevolata (subsidized finance), supported by a Centro Studi (research center). The Mediazione Creditizia division provides Capital+, credit analysis, business credit procurement, operating and financial leasing, digital finance, and factoring services. The Finanza Agevolata division centers on Agevola+ for accessing subsidies and public contributions, backed by the Agevolarating incentive database. The Centro Studi provides financial simulators, guides, news, and webinars. Additional services include the Ambassador partner program and MySAFinance client portal.

Differentiator

Problem solved

Functional benefit

Brands

• Capital+: Financial management and creditworthiness improvement service under the credit mediation division.
• Agevola+
• Agevolarating
• CUBO

Products and services

• Mediazione Creditizia (Credit Mediation) Core credit mediation service that guides Italian businesses in financial planning and connects them with banks, leasing companies, fintech platforms, factoring providers, and investment funds to obtain credit, financing, and optimal financial solutions.
• Finanza Agevolata (Subsidized Finance) Subsidized finance advisory service that identifies and helps businesses access public grants, tax credits, and government incentives (e.g., Nuova Sabatini, SIMEST programs, Patent Box) to fund growth and investment projects.
• Capital+ Financial management and credit merit improvement service that helps businesses optimize cash flow, improve creditworthiness, and identify competitive financing opportunities.
• Agevola+ Service that bridges business vision and available government incentives, focused on accessing subsidies and public contributions for Italian companies.
• Analisi del Credito (Credit Analysis) Credit analysis service that evaluates a business's creditworthiness and financing capacity to inform optimal credit strategy.
• Reperimento credito alle imprese (Business Credit Procurement) Business credit procurement service that connects Italian enterprises with optimal financing solutions from partner banks, fintechs, and financial institutions.
• Leasing finanziario (Financial Leasing) Financial leasing arrangement service for business investments in equipment and machinery, sourced through partner leasing institutions.
• Leasing Operativo (Operating Lease) Operating lease services for machinery, equipment, and technology assets, arranged through partner leasing companies.
• Factoring Factoring service offering invoice discounting and fiscal credit assignment (including IVA, IRES, IRAP tax credits) to improve business liquidity, arranged through partner factoring institutions.
• Finanza Digitale (Digital Finance) Digital finance service covering invoice trading, fintech platforms, and alternative financing solutions outside traditional banking channels.

Quantifiable outcome

• €95 million in subsidies, aid, and financing facilitated in 2025
• +2 more outcomes

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• CRIF S.p.A. CRIF is a leading Italian and European credit information, analytics, and decisioning provider. While not a credit broker itself, CRIF powers credit evaluation across the Italian market — making it a key ecosystem participant and partial functional substitute for the credit-analysis component of SA Finance's offering.
• TeamSystem S.p.A. TeamSystem is a large Italian software and financial-services provider serving SMEs and commercialisti (accountants) with management software, payroll, and adjacent financial services. Its commercialisti-facing ecosystem overlaps with SA Finance's Ambassador channel, and its scale dwarfs that of SA Finance.
• Mediocredito Centrale S.p.A. Mediocredito Centrale is an Italian public development bank providing subsidized financing and credit guarantees to SMEs, often in cooperation with intermediaries. It sits on the supply side of many transactions that SA Finance brokers, and operates in the same subsidized-finance / SIMEST-adjacent ecosystem.
• Facile.it (brokerage arm): Facile.it is a major Italian financial comparison and brokerage platform for mortgages, loans, insurance, and utilities. While not exclusively a credit mediator, its business-financing arm directly overlaps with SA Finance's SME intermediation activity and represents a much larger, digital-first incumbent in the same end market.

Others

• Crédit Agricole Italia: Crédit Agricole Italia is a major Italian bank with significant SME and agricultural-business lending activity. It sits on the supply side of the credit-brokerage value chain in which SA Finance operates and is one of the partner institutions whose products SA Finance intermediates; as such it is an ecosystem peer rather than a direct competitor.

Direct peers

• Credipass: Credipass is an Italian credit-mediation network with a franchise model, focused on consumer and SME credit brokerage (mortgages, personal loans, business financing). It competes directly with SA Finance in the credit-mediation segment and operates a similar multi-bank partnership model.
• Euroansa S.p.A. Euroansa is an Italian credit broker offering mortgage, personal-loan, and corporate-financing intermediation through a network of agents across Italy. It is a directly comparable credit-mediation firm operating under similar OAM regulation and partnership economics.
• Affida (Bravo / Gruppo Bravo): Gruppo Affida (formerly Bravo) is an Italian credit and financial-services intermediary providing mortgage, personal-loan, and business-financing brokerage across a national network. It directly competes with SA Finance in intermediating business financing for SMEs through bank and financial-institution partnerships.
• Kìron - Gruppo Credipass: Kìron is one of Italy's largest credit-brokerage networks, intermediating mortgages and business financing between consumers/SMEs and banks. It is the most direct comparable to SA Finance's mediazione creditizia activity, with overlapping products (mutui, prestiti, cessione del quinto, credito alle imprese) and similar OAM-registered intermediary status.

Regional players

• Banca Mediocredito del Friuli Venezia Giulia: Mediocredito FVG is an Italian regional development-finance institution providing subsidized financing to local businesses, conceptually comparable to SA Finance's regional-incentive advisory activity. It is a regional peer operating in adjacent territory (Friuli Venezia Giulia vs. Lombardia) within the same subsidized-finance category.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCSj6uIRy8oS3iYr-IcryhzQ/featured
• Facebookfacebook.com/safinancesrl
• LinkedInlinkedin.com/company/sa-finance
• Instagraminstagram.com/sa_finance_srl

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

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 SA Finance