What Cash Flow does

Cash Flow S.r.l. is an Italian credit brokerage (mediazione creditizia) founded in 2002 and headquartered in Naples with a legal seat in Rome. The firm operates under OAM (Organismo Agenti e Mediatori) registration number M143, the regulator-required license that authorizes it to intermediate between clients seeking credit and Italian banks, financial intermediaries, and lending institutions. Its core offering is structured as a consulting-led intermediation service delivered through a network of 24 freelance credit consultants working from 8 branch offices across Italy under exclusive client engagement — a model designed to guarantee advisor independence from the lenders on the supply side.

The product surface spans short-term and medium/long-term bank financing, subsidized (agevolato) loans from public entities, startup financing, Confidi collective guarantees (covering up to 80% of financing), surety bonds, and dedicated women-entrepreneur credit lines. On the consumer side the firm intermediates personal loans, salary-assignment and pension-assignment loans (cessione del quinto), revolving credit cards, salary delegation loans, and finalized point-of-sale credit. Mortgage distribution (primarily through BNL) covers fixed-rate, variable-rate, and surroga products. Adjacent services include payment infrastructure (POS terminals, corporate cards, current accounts via Artigiancassa), long-term vehicle leasing through Arval, and management consulting through Coesio&Partners covering turnaround, business due diligence, and banking dispute resolution.

The business model is transaction-fee based: Cash Flow does not charge end clients for the mediation service and is compensated exclusively by commissions from partner banks and financial institutions on successfully placed loans. Historical scale metrics disclosed by the firm indicate 7,453 satisfied customers served and 7,968 financing products mediated cumulatively since inception. The firm is independently owned, privately held, and operates exclusively in Italy with no disclosed external equity, debt, or institutional funding. There are no proprietary technology products; the operating model is relationship-driven advisory intermediation rather than a technology platform.

Name

Cash Flow

Legal name

Cash Flow S.r.l.

Website

https://cashflowsrl.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

Cash Flow S.r.l. is an Italy-based OAM-registered credit mediator that connects Italian SMEs, artisans, consumers, and families with banks and financial institutions, intermediating short-term, long-term, subsidized, mortgage, and consumer credit through a network of 24 freelance consultants across 8 Italian offices since 2002.

Ownership category

akta.pro rank

Product category

Credit Brokerage and Financial Intermediation

NAICS

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

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Short-Term Credit Broking & Lead Generation (FSAKAMAN)

Keywords

• Credit brokerage
• Financial mediation
• SME lending
• Consumer credit
• Mortgage brokerage

Headquarters

HQ city

Naples

HQ country

Italy

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Credit Mediation Commission: Cash Flow S.r.l. operates as a credit mediation company (mediazione creditizia) registered with OAM (Organismo Agenti e Mediatori) at number M143. The company connects clients with banks, financial intermediaries and lending institutions for the granting of financing. Revenue is generated through commissions from partner banks and financial institutions upon successful loan mediation. The company does not charge clients directly for the mediation service.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Cash Flow S.r.l. is a credit mediation company (mediazione creditizia) registered with OAM under number M143 that operates as an intermediary between clients (Italian SMEs, artisans, and consumers/families) and partner banks, financial intermediaries, and lending institutions. The company delivers credit consulting through a network of 24 independent specialized agents who work under exclusive client engagement to identify optimal financing solutions across short-term loans, medium/long-term financing, subsidized credit, mortgages, consumer credit, Confidi guarantees, sureties, and payment services.

Product overview

Cash Flow S.r.l. is a credit mediation company (registered with OAM no. M143) that operates as a comprehensive financial services platform connecting clients with banks and financial institutions. The company's offering centers on its core credit consulting service, delivered through a network of specialized consultants, supported by a portfolio of financial products including short-term and medium/long-term financing, subsidized loans, startup financing, Confidi guarantees, sureties, women's entrepreneurship loans, and home mortgages. The product portfolio extends to consumer finance products (personal loans, salary assignment loans, pension loans, revolving credit cards, finalized credit), payment services (POS terminals, business credit cards, current accounts), and vehicle leasing. A strategic partnership with Coesio&Partners provides management consulting services. The company does not offer a modular platform architecture but rather positions itself as a full-service intermediary with a unified consulting-led approach to credit access.

Differentiator

Problem solved

Functional benefit

Products and services

• Short-term Financing (Breve termine) Short-term bank financing with contractual maturities not exceeding 18 months, including revocable loans granted at indeterminate maturities. Designed for SME working capital needs.
• Medium and Long-term Financing (Medio e lungo termine) Medium and long-term bank financing with contractual maturities exceeding 18 months, designated as purpose credit for specific investments by SMEs.
• Subsidized Financing (Agevolazioni) Subsidized financing granted by public entities (EU, State, Region, Province, Cassa Depositi e Prestiti) at favorable interest rates compared to market rates, with contributions calculated per financing type.
• Startup Financing Financing and advisory services for new businesses adopting particular organizational models and processes to compete in rapidly evolving markets.
• Confidi Guarantees (Garanzie Confidi) Collective guarantee services provided by Confidi (Guarantee Consortia and Cooperatives) to small and medium enterprises, covering up to 80% of financing to increase credit capacity.
• Sureties and Bonds (Fidejussioni e cauzioni) Surety bonds as regulated by Article 1936 of the Italian Civil Code, where a person commits personally to cover a third party's obligations.
• Women Entrepreneurship Financing (Imprenditoria femminile) Financing solutions for women-owned enterprises meeting specific legal requirements (cooperatives and partnerships with at least 60% female participation; capital companies with at least two-thirds female ownership).
• Payment Collection and Disbursement (Incassi e pagamenti) Electronic payment collection and disbursement services including POS terminals, business credit cards, and current accounts distributed through partnership with Artigiancassa.
• Business Services (Servizi per le aziende) Comprehensive services for optimizing business operations of commercial, artisanal, and SME activities, including long-term vehicle leasing through partnership with Arval.
• Business Consulting (Consulenze per le aziende) Business consulting services including organizational restructuring, financial planning, management control, turnaround, crisis management, and tax advisory delivered through partnership with Coesio&Partners.
• Family Financing (Finanziamenti alle famiglie) Complete range of financial products for personal and family credit needs, including personal loans (200 to 75,000 euro), salary-backed loans (CQS), pension-backed loans, salary delegation loans, current account credit lines, revolving credit cards, and finalized credit.
• Home Mortgages (Mutui casa) Medium to long-term bank mortgages for purchasing, renovating, or building residential properties, distributed through partnership with BNL and Artigiancassa in fixed-rate, variable-rate, substitution (surroga), and graduated-payment variants.

Quantifiable outcome

• 7,968 financing products successfully mediated
• +1 more outcomes

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core and minor.

• ArtigiancassacoreChannel Partner/ Reseller/ DistributorArtigiancassa is a key partner bank for Cash Flow, providing specialized credit products for artisans and small businesses. The partnership includes joint meetings and quality initiatives, with Artigiancassas Vice Director General participating in partner meetings. Products include the Artigiancassa Card (corporate credit card), Conto Corrente In Novo (current account), and POS Artigiancassa (payment terminal services).
• BNL (Banca Nazionale del Lavoro)coreChannel Partner/ Reseller/ DistributorBNL is a major banking partner offering various mortgage products distributed through Cash Flows network. Products include fixed-rate mortgages, variable-rate mortgages, and substitution mortgages (surroga). Cash Flow acts as intermediary for BNL credit products.
• Coesio&PartnerscoreImplementation/ SI/ Consulting PartnerStrategic partnership with Coesio&Partners, a management consulting company specializing in business process reengineering, economic-financial planning, management control, turnaround and crisis management, and banking dispute management. Services include Business Due Diligence, Balance Sheet Analysis, Performance Analysis, and Report on Finance Demand (RODF).
• ArvalminorChannel Partner/ Reseller/ DistributorLong-term vehicle rental partnership offering SMEs a comprehensive fleet management solution including vehicle acquisition, insurance coverage (RCA, theft/fire, Kasko), maintenance, tire replacement, roadside assistance, and replacement vehicles for businesses.
• Confidi (Consorzi e Cooperative di Garanzia Collettiva Fidi)coreChannel Partner/ Reseller/ DistributorConfidi partners provide collective guarantee services for SMEs, offering guarantees that increase credit capacity and cover up to 80% of financing. Cash Flow facilitates access to Confidi guarantee products as part of its credit mediation services.
• Banks and Financial IntermediariescoreChannel Partner/ Reseller/ DistributorCash Flow is officially registered with OAM (Organismo Agenti e Mediatori) and is partnered with multiple banks and financial intermediaries for credit mediation services. The company facilitates connections between clients and lending institutions for various financing products including short-term loans, medium/long-term loans, subsidized financing, and consumer credit.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Findomestic: BNL Group's consumer credit subsidiary offering personal loans and point-of-sale financing. Direct lender competing with Cash Flow's consumer finance mediation, and a sister entity to one of Cash Flow's core banking partners (BNL).
• Compass: Italian consumer credit specialist (Mediobanca Group) offering personal loans, salary-backed loans, and revolving credit. Overlaps with Cash Flow's consumer finance segment but acts as a direct lender rather than broker.
• Cofidis: European consumer credit specialist with significant Italian operations offering personal loans and revolving credit. Overlaps with Cash Flow's consumer credit mediation services but operates as a direct lender.
• Agos Ducato: Major Italian consumer credit provider (Crédit Agricole and Banco BPM joint venture) offering personal loans, auto loans, and credit cards. Competes with Cash Flow in consumer credit but as a lender rather than broker.

Direct peers

• Facile.it: Italy's largest price-comparison portal for financial products (loans, mortgages, insurance, utilities). Directly competes with Cash Flow in consumer credit and mortgage brokerage but operates a digital-first model serving national volume.
• MutuiOnline: Italian online mortgage and credit broker intermediating between consumers and banks. Direct competitor in the mortgage intermediation segment that Cash Flow handles via BNL partnerships.
• Prestiti.it: Italian online personal loan and consumer credit broker. Comparable to Cash Flow's consumer credit mediation services (Prestito Personale, Cessione del Quinto) but with a digital-first acquisition model.
• Creditouno: Italian credit brokerage firm serving SMEs and consumers with a multi-bank intermediation model. Direct competitor to Cash Flow in the Italian credit mediation market with similar OAM registration structure.
• Segugio.it: Italian financial product comparison platform specializing in loans, mortgages, and insurance. Direct competitor targeting similar SME and consumer credit brokerage customers via a digital channel.

Emerging players

• Soisy: Italian fintech offering installment payments and consumer credit intermediation through a digital platform. Emerging digital-first competitor to Cash Flow's traditional relationship-based brokerage model, particularly in e-commerce and consumer point-of-sale credit.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/cashflowsrl
• LinkedInlinkedin.com/company/cash-flow-mediazione-creditizia

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 Cash Flow