Fincasa
- Company typePrivate
- Founded-
- HeadquartersRoma, Italy
- Headcount51–100
- GTM typeB2C
- OfferingServices
Fincasa firmographics
Firmographics- Name
- Fincasa
- Legal name
- Fincasa S.r.l.
- Website
- https://fincasaspa.it
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
Fincasa industry classification
Industry- Product category
- Credit Brokerage Services
- NAICS
- Nondepository Credit Intermediation (5222)
- SIC
- Loan Brokers (6163)
- akta.pro industry
- Personal Loan & Unsecured Credit IntermediationFinancial & Insurance/Financial Advisory, Brokerage & Intermediation/Mortgage Brokerage & Loan IntermediationMulti-Loan / Multi-Creditor Consolidation Loans
Keywords
Where Fincasa is headquartered
LocationHeadquarters
- HQ city
- Roma
- HQ country
- Italy
- HQ region
- Europe
Offices2 records
Markets served
Fincasa business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D
Revenue model
- Credit Intermediation Commissions: Fincasa generates revenue through commissions on credit intermediation activities. As a credit broker (mediatore creditizio), they facilitate loans between customers and financial institutions, earning commissions from both lenders and borrowers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Cessione del Quinto loans ranging from €3,000 to €60,000 with terms up to 120 months |
| Transaction based/ take rate | Monthly | Personal loans from €1,500 to €30,000 repayable in 12 to 84 months |
| Transaction based/ take rate | Monthly | Debt consolidation combining multiple existing loans into single monthly payment |
| Transaction based/ take rate | Pay-as-you-go | Lifetime mortgage (Prestito Vitalizio) for clients over 65 without monthly repayments |
| Transaction based/ take rate | Monthly | Loans for protested/defaulted borrowers from €5,000 to €60,000 |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels6 records
Fincasa product offering
Product offeringCore offering
Fincasa S.r.l. is a credit mediation company (società di mediazione creditizia) that distributes credit products and debt services through a national network of credit intermediaries and financial agents, under conventions with major Italian Financial and Banking Institutes. Its portfolio centers on Cessione del Quinto (salary- and pension-backed) loans, supplemented by personal loans, debt consolidation, lifetime mortgages for over-65s, and guaranteed loans for protested or bad-credit borrowers.
Product overview
Fincasa S.r.l. is a credit mediation company operating as a multi-product financial services platform. The core offering centers on Cessione del Quinto products (salary and pension-backed loans) for employees (public, state, and private sectors) and pensioners, complemented by personal loans, debt consolidation, lifetime mortgages, and loans for individuals with negative credit history. The company also provides a supplementary salary delegation service (Delega di Pagamento). An internal management platform called P@ntheon supports the multi-product workflow. The product portfolio includes specialized offerings for different segments such as bank employees, medical professionals, and pensioners over 80 years of age.
Differentiator
Problem solved
Functional benefit
Brands
- Bonifazi Franchising: Real estate franchise network with agencies in Italy, Spain and Romania
- Pegaso Invest
- Okfranchising
- P@ntheon
Products and services
- Cessione del Quinto (Salary/Pension-Backed Loan) A loan product where borrowers repay through automatic deductions of up to one-fifth of salary or pension, available for employees (public, state, private) and pensioners with amounts from EUR 3,000 to EUR 60,000 and repayment terms up to 120 months. Includes insurance coverage for life and job loss and does not require justification of loan purpose.
- Cessione del Quinto della Pensione Salary-deduction loan for pensioners of Italian funds (INPS, INPDAP, ENPALS, ENASARCO, IPOST), with monthly repayments deducted directly from the pension up to EUR 60,000 over 24-120 months. No justification of loan purpose required.
- Cessione del Quinto Dipendenti Pubblici Loan for Italian public sector employees with repayment deducted from paycheck over up to 10 years, available even for those with negative credit history; no justification of loan purpose required.
- Cessione del Quinto Dipendenti Statali Loan product for Italian state employees and Ferrovie dello Stato workers, with repayment periods up to 120 months (60 months for railway employees).
- Cessione del Quinto Dipendenti Privati Fifth-of-salary deduction loan for private sector employees with indefinite-term contracts, with TFR acting as additional guarantee for the lender. Minimum 3 months service required.
- Prestito Personale Unsecured personal loan in Italy ranging from EUR 1,500 to EUR 30,000 with fixed interest rates and repayment periods from 12 to 84 months, with disbursement within 48 hours.
- Consolidamento Debiti Debt consolidation loan combining multiple existing loans into a single monthly payment over 12-84 months (up to 120 months for guaranteed loans), with optional additional liquidity beyond existing loan amounts.
- Prestito Vitalizio (Lifetime Mortgage) Lifetime mortgage loan for Italian applicants over 65 years old, providing liquid capital without monthly installments; the property remains with the borrower for life and is repaid via a lump sum upon passing.
- Prestiti Segnalati e Protestati Guaranteed loan products available to employees with negative credit history (CRIF-listed or with protests), from EUR 5,000 to EUR 60,000 at a fixed rate. Underwriting is based on employment rather than credit history.
- Cessione del Quinto per Medici Convenzionati e Professionisti Sanitari Preferential-rate Cessione del Quinto financing for Italian conventioned doctors (Medici di Base / ENPAM), psychologists (ENPAP), pharmacists (ENPAF), veterinarians (ENPAV) and biologists (ENPAB), with simplified processing.
- Cessione del Quinto per Dipendenti di Banca Guaranteed loan products for Italian banking sector employees who historically faced difficulties accessing Cessione del Quinto due to internal lender restrictions, enabled by a new specific convention.
Quantifiable outcome
- Loan disbursement within 48 hours from contract signing
- +3 more outcomes
Companies that use Fincasa
Customer profileNamed customers3 records
Segments7 records
Ideal customer profiles6 records
Fincasa technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Fincasa partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- Principal Financial and Banking Institutes (Italian Banks)coreFincasa operates with conventions (partnership agreements) with principal Financial and Banking Institutes operating in the Italian market. These conventions allow Fincasa to offer a complete portfolio of financial products and find the right solution for each customer.
- CRIF S.p.A.coreCRIF S.p.A. manages the EURISC credit information system. Fincasa communicates customer data to partner banks which forward to CRIF for credit risk evaluation. CRIF provides data to other credit granting companies for insolvency risk assessment.
- ENPAM, ENPAP, ENPAF, ENPAV, ENPAB (Professional Pension Funds)coreAgreements with Italian professional pension funds for doctors, psychologists, pharmacists, veterinarians, and biologists. New conventions enable financing through cessione del quinto for all conventioned healthcare professionals.
- Bonifazi Franchising s.r.l.minorReal estate franchise network with agencies throughout Italy and presence in Spain and Romania (Bonifazi Group subsidiary).
- Investimenti Immobiliari Europei s.r.l. (Pegaso Invest)minorReal estate investment company for property buying, selling and management under the Pegaso Invest brand (Bonifazi Group subsidiary).
- Pubblicom S.r.l. (Okfranchising)minorPublishing company operating the Okfranchising portal where franchisor companies in Italy are listed (Bonifazi Group subsidiary).
- Semi di Pace ONLUSminorHumanitarian association participating in the #1mattoneXbatouri project for construction of primary school 'Saint Jean' in Batouri. Fincasa contributes to fundraising for this charitable initiative.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
Fincasa competitors and assessment
Company assessmentDirect peers
- Prestiti.it: Prestiti.it is one of Italy's longest-running online loan brokers, comparing offers from multiple banks for personal loans, mortgages, and debt consolidation. Operates the same multi-bank intermediation model as Fincasa, served via digital channels rather than an agent network.
- Findomestic Banca: Findomestic (BNL BNP Paribas group) is one of Italy's largest personal-loan and consumer-credit providers, competing head-to-head with Fincasa in personal loans, debt consolidation, and salary-backed credit. Distribution partly through retail and partner networks in Italy.
- MutuiOnline: MutuiOnline (online mortgage broker) intermediating mortgage and personal loan products across Italian banks. Comparable to Fincasa on the mortgage intermediation side of the product portfolio, with a different channel (digital-first) vs. Fincasa's agent network.
- Agos Ducato: Agos Ducato (Société Générale / Mediolanum JV) is a leading Italian consumer credit company offering personal loans, auto loans, and salary-backed loans. Directly comparable to Fincasa on the cessione del quinto and personal loan product set.
- Compass Banca: Compass is a major Italian consumer finance company (Mediolanum group) offering personal loans, salary-deduction loans, and cessione del quinto. It directly competes with Fincasa for the same employee/pensioner segments in Italy, though as a direct lender rather than a broker.
- Sigla Credit (Creditis Servizi Finanziari): Sigla Credit specializes in salary-backed and pension-backed loans (cessione del quinto) in Italy, directly competing with Fincasa's core product across the same employee and pensioner segments. Acts as both direct lender and intermediator.
- Facile.it: Facile.it is Italy's largest financial comparison and intermediation platform, brokering personal loans, mortgages, and credit products across multiple bank partners. Strong direct competitor to Fincasa's broker/intermediation model, with a much larger digital footprint.
Emerging players
- Segugio.it: Segugio.it is an Italian financial comparison platform intermediating personal loans, mortgages, and insurance products from multiple providers. Comparable to Fincasa in intermediation function, but serving customers through a digital comparison funnel rather than a physical agent network.
- Younited Credit Italy: Younited Credit is a digital-first European consumer lender expanding in Italy with personal loans distributed online. Overlaps with Fincasa's personal loan offering but competes on speed and digital UX rather than the agent-driven intermediary model.
Broad incumbents
- Cofidis Italia: Cofidis is a European consumer credit specialist (Crédit Mutuel group) operating in Italy with personal loans, salary-backed loans, and credit cards. Larger and broader than Fincasa, but competes in the same personal-credit and cessione del quinto categories.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Fincasa social profiles
Digital presenceFincasa financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fincasa leadership team
Management profileNumber of profiles
Profiles2 records
Fincasa subsidiaries and ownership
Company hierarchySubsidiaries3 records
Fincasa funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fincasa M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Fincasa
What does Fincasa do?
Fincasa S.r.l. is a credit mediation company (società di mediazione creditizia) that distributes credit products and debt services through a national network of credit intermediaries and financial agents, under conventions with major Italian Financial and Banking Institutes. Its portfolio centers on Cessione del Quinto (salary- and pension-backed) loans, supplemented by personal loans, debt consolidation, lifetime mortgages for over-65s, and guaranteed loans for protested or bad-credit borrowers.
Is Fincasa a public or private company?
Fincasa is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Fincasa founded?
Fincasa was founded in -1. It employs 51 to 100 people.
Where is Fincasa based?
Fincasa is headquartered in Roma, Italy, in the Europe region.
How does Fincasa make money?
One revenue line is on record: credit Intermediation Commissions.
Who are Fincasa's main competitors?
Direct peers on record are Prestiti.it, Findomestic Banca, MutuiOnline, Agos Ducato, Compass Banca, Sigla Credit (Creditis Servizi Finanziari) and Facile.it. Emerging players are Segugio.it and Younited Credit Italy. Cofidis Italia is listed as a broad incumbent.
Does Fincasa have an API?
No public API is recorded for Fincasa.
What industry is Fincasa in?
Fincasa's product category is Credit Brokerage Services. Its primary akta.pro industry code is FSAEAEAM, Personal Loan & Unsecured Credit Intermediation, with a secondary code of FSAKAIAD, Multi-Loan / Multi-Creditor Consolidation Loans. Its NAICS code is 5222 and its SIC code is 6163.