Prestitalia
Prestitalia S.p.A. is an Italian financial intermediary and wholly-owned Intesa Sanpaolo subsidiary that specializes in Cessione del Quinto (salary/pension-deducted loans), Prestito Delega, Anticipo TFS/TFR, and Delegazione di Pagamento products, serving Italian employees, INPS pensioners, and former public/state employees via a nationwide network of 700+ agents and Intesa Sanpaolo's 3,000+ branches.
- Company typePrivate
- Founded1998
- HeadquartersBergamo, Italy
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Prestitalia does
Prestitalia S.p.A. is an Italian financial intermediary founded in 1998 and headquartered in Bergamo, operating as a wholly-owned subsidiary of the Intesa Sanpaolo Group. The company specializes in Cessione del Quinto (loan against salary/pension) and adjacent credit products — including Cessione del Quinto for employees and pensioners, Prestito Delega (payroll-deduction personal loans), Anticipo TFS/TFR (severance-pay advances for former public employees), and Delegazione di Pagamento (payment delegation). Prestitalia holds exclusive conventions with INPS for pensioner lending and with the MEF-NoiPA system for state employees, providing preferential rates that are central to its competitive positioning. Technology components include a 100% digital loan application process launched in 2024, PSD2-based customer data retrieval, RPA-driven operational automation, and an ongoing collaboration with the Italian Ministry of Economy and Finance on a blockchain platform for Cessione del Quinto processing.
Prestitalia's go-to-market is a dual-channel distribution model built around a nationwide network of over 700 financial agents — 'Agenti Strutturati' on the open market and 'Agenti Leggeri' embedded in Intesa Sanpaolo's 3,000+ branches — supplemented by commercial partnerships with Prestito24, Prestiter, and Crefinmoney (PrestitoPiù brand), and a digital referral channel via Isybank (Intesa Sanpaolo's digital bank). The company serves private and para-public employees, INPS/ex-INPDAP/ex-ENPALS pensioners, and former public/state employees with accrued TFS/TFR rights. To date it has assisted more than 500,000 Italian families over 25 years of activity and closed 2024 with over €1 billion in capital financed, with Cessione del Quinto volumes growing approximately 10% year-over-year.
Revenue is generated through intermediation fees, interest margins on financed capital, and bundled insurance commissions from a panel of 15 insurance partners that includes Société Générale Insurance and elipsLife (Swiss Life). Prestitalia is led by CEO and Director General Cesare Colombi (in role since 2015 as Director General and CEO since March 2025), who also serves as President of Assofin (third consecutive term, 2024-2027). The company operates exclusively within Italy, has 101-250 direct employees, and is not publicly listed.
Prestitalia firmographics
Firmographics- Name
- Prestitalia
- Legal name
- Prestitalia S.p.A.
- Website
- https://prestitalia.it
- Company type
- Private
- Founded year
- 1998
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Prestitalia S.p.A. is an Italian financial intermediary and wholly-owned Intesa Sanpaolo subsidiary that specializes in Cessione del Quinto (salary/pension-deducted loans), Prestito Delega, Anticipo TFS/TFR, and Delegazione di Pagamento products, serving Italian employees, INPS pensioners, and former public/state employees via a nationwide network of 700+ agents and Intesa Sanpaolo's 3,000+ branches.
- Ownership category
- akta.pro rank
Prestitalia industry classification
Industry- Product category
- Consumer Credit Services
- NAICS
- Other Nondepository Credit Intermediation (52229)
- akta.pro primary industry
- Retirement Income Planning & Decumulation Advisory (FSAEABAD)
Keywords
Where Prestitalia is headquartered
LocationHeadquarters
- HQ city
- Bergamo
- HQ country
- Italy
- HQ region
- Europe
Offices1 record
Markets served
Prestitalia business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Loan Origination and Intermediation: Prestitalia operates as a financial intermediary earning fees from originating and intermediating Cessione del Quinto loans, salary delegation loans, and TFS/TFR advances. Revenue is generated through interest margins and origination fees on financed capital.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Cessione del Quinto for Employees - Standard |
| Other | Monthly | Cessione del Quinto for Pensioners - INPS Convention |
| Other | Other | TFS/TFR Advance |
Go-to-market motion1 record
Distribution channels6 records
Marketing channels6 records
Prestitalia product offering
Product offeringCore offering
Prestitalia is a financial intermediary that originates and distributes salary- and pension-backed consumer credit products in Italy. Its core offering is Cessione del Quinto (fifth-of-salary/pension loans), complemented by Prestito Delega (payroll deduction loans), Anticipo TFS/TFR (severance pay advances for former public/state employees), and Delegazione di pagamento. Products are distributed through a 700+ agent network, over 3,000 Intesa Sanpaolo branches, and exclusive INPS and MEF-NoiPA conventions that grant preferential terms to pensioners and state employees.
Product overview
Prestitalia is a financial intermediary specializing in fifth-of-salary loans (cessione del quinto) and related credit products. The company offers a portfolio of loan products including Cessione del Quinto for employees and pensioners, Prestito Delega (payroll deduction loans), Anticipo TFS/TFR (severance pay advances), and Delegazione di Pagamento (payment delegation). Products are distributed through a network of over 700 agents and through Intesa Sanpaolo branches. Prestitalia operates conventions with INPS and MEF-NoiPA for preferential conditions, and offers insurance products (life and credit coverage) in partnership with major insurers including Société Générale Insurance and elipsLife.
Differentiator
Problem solved
Functional benefit
Products and services
- Cessione del Quinto per Dipendenti (Employee Salary-Backed Loan) Personal loan for employees of private and public companies where up to one-fifth of the borrower's monthly salary is deducted directly from the paycheck to repay the loan. Targets private and public employees with fixed-term or permanent contracts, including newly hired workers and employees of small companies.
- Cessione del Quinto per Pensionati (Pensioner Loan) Fifth-of-pension loan specifically designed for INPS, former INPDAP and former ENPALS pensioners, with exclusive preferential interest rates granted through the INPS convention. Includes bundled life insurance coverage for the borrower.
- Prestito Delega Personal loan with payroll deduction (trattenuta in busta paga) for employees of private and para-public companies, including newly hired employees (up to 12 months seniority), employees of small companies (up to 15 employees), and employees of large companies with convention. Sold through all Prestitalia agencies and the digital channel.
- Anticipo TFS/TFR (Severance Pay Advance) Advance financing on Trattamento di Fine Servizio / Trattamento di Fine Rapporto (severance pay) for former public and state employees who are retired or have accrued the right to receive their severance pay. Provides liquidity before the official TFS/TFR payout date.
- Delegazione di pagamento (Payment Delegation Loan) Payment delegation loan product that supplements other loan products by providing additional financing capacity for employees, repaid through a separate payment delegation mechanism on top of any existing Cessione del Quinto deduction.
Quantifiable outcome
- Over 1 billion EUR capital financed in 2024
- +3 more outcomes
Companies that use Prestitalia
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles4 records
Prestitalia technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature4 records
Prestitalia partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core, important and flagship.
- Prestito24corePrestitalia and Prestito24 renewed their commercial agreement for the promotion of Cessione del Quinto dello Stipendio e della Pensione, Delegazioni di Pagamento, and Anticipo TFS products. The renewal reinforces a partnership based on continuous dialogue, mutual trust, and shared objectives. Luca Carrara (Commercial Director Prestitalia) and Alessia Vizzaccaro (Commercial Director Prestito24) lead the collaboration with support from CEO Cesare Colombi.
- Crefinmoney (PrestitoPiù)corePrestitalia and Crefinmoney renewed their multi-year commercial agreement until 2029 for promotion of Cessione del Quinto, Delegazioni di Pagamento, and Anticipo TFS products. Crefinmoney operates under the PrestitoPiù brand, offering personalized and transparent financial consulting solutions. The partnership has seen volumes more than double in recent years.
- PrestitercorePrestiter and Prestitalia renewed their partnership agreement for 2025-2027 (extendable to 2030) for promotion of Cessione del Quinto, Delegazione di Pagamento, and Anticipo TFS products. The 26-year collaboration with the Di Vincenzo family continues with planned IT integrations and improved service levels. Prestiter was awarded Best Performer 2024 by Prestitalia.
- Société Générale InsuranceimportantPrestitalia signed a partnership with Société Générale Insurance through two conventions for credit life and credit insurance coverage bundled with Cessione del Quinto and Delegazione di Pagamento loans. This partnership adds Société Générale Insurance as Prestitalia's 15th insurance partner, providing quality assurance and international credibility to the credit offerings.
- IsybankimportantPrestitalia signed a referral agreement with Isybank (Intesa Sanpaolo's digital bank) allowing Isybank customers to access Prestitalia's loan and consumer credit products through the mobile app. Customers can express interest and request contact from Prestitalia to evaluate financing solutions.
- elipsLife (Swiss Life)importantPrestitalia and elipsLife (part of Swiss Life International) entered a partnership for life insurance coverage protecting against death risk for Cessione del Quinto della Pensione borrowers. The partnership strengthens Prestitalia's insurance offering to meet all customer financing needs, with elipsLife committed to being a stable and reference insurer in the long-term pension Cessione del Quinto market.
- Intesa SanpaoloflagshipPrestitalia is a wholly-owned subsidiary of Intesa Sanpaolo, Italy's largest banking group. The partnership provides Prestitalia with distribution through 3,000+ Intesa Sanpaolo branches, operational synergies (POS distribution with Nexi), financial strength, and brand credibility. Prestitalia's agents support bank branches with out-of-premises placement of credit products.
- INPSflagshipPrestitalia holds an exclusive convention with INPS (Istituto Nazionale della Previdenza Sociale) for Cessione del Quinto della Pensione, offering preferential rates for INPS pensioners (and former INPDAP and ex-ENPALS members). The convention was renewed in 2024 supporting the silver economy in a sustainable perspective.
- MEF-NoiPAflagshipPrestitalia holds a convention with MEF (Ministry of Economy and Finance) through NoiPA for Cessione del Quinto for state and public employees, providing favorable conditions for this segment. Collaboration is ongoing for activation of a blockchain-based platform for process optimization.
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
Prestitalia competitors and assessment
Company assessmentBroad incumbents
- Banca Sella (Sella Group Consumer Credit): Italian banking group with consumer lending and salary-backed credit offerings; broader banking portfolio makes it a marketwide incumbent rather than a CdQ-pure-play, but it overlaps on employee and retail credit.
Direct peers
- Compass (Mediocredito Centrale): Italian consumer credit specialist within the Mediocredito Centrale Group (now under BSP/Deutsche Bank-era ownership) offering personal loans and Cessione del Quinto through a multi-channel bank and agent network similar to Prestitalia's go-to-market.
- Fiditalia: Italian consumer finance arm of Société Générale, providing personal loans, Cessione del Quinto, and revolving credit; direct competitor leveraging its parent bank's balance sheet and insurance partnerships in much the same way Prestitalia uses ISP and SocGen Insurance.
- Agos: Italian consumer credit company, joint venture between Crédit Agricole Consumer Finance and Intesa Sanpaolo; offers personal loans and Cessione del Quinto through a similar agent-and-bank distribution model, making it the closest direct competitor in CdQ.
- Findomestic Banca: Italian consumer credit subsidiary of BNP Paribas, providing personal loans and salary-backed financing nationwide; competes head-to-head with Prestitalia in the same retail credit channels and product categories.
- Cofidis Italia: Italian subsidiary of the French Cofidis group, active in personal loans and consumer credit for employees and pensioners; competes directly with Prestitalia's CdQ and salary-deduction products.
Emerging players
- Illimity Bank: Italy-native digital-first bank extending into consumer credit and salary-advance products; an emerging digital challenger that uses technology-led distribution to attack the same employee and SME borrower pool Prestitalia serves.
Others
- Facile.it: Italy's leading financial products comparison portal aggregating personal loans, CdQ, and consumer credit offers; adjacent ecosystem participant that influences pricing and distribution across the same customer base Prestitalia serves.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Prestitalia social profiles
Digital presencePrestitalia financial estimates
Financial estimateRevenue estimate
Valuation estimate
Prestitalia leadership team
Management profileNumber of profiles
Profiles3 records
Prestitalia funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Prestitalia 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 Prestitalia
What does Prestitalia do?
Prestitalia is a financial intermediary that originates and distributes salary- and pension-backed consumer credit products in Italy. Its core offering is Cessione del Quinto (fifth-of-salary/pension loans), complemented by Prestito Delega (payroll deduction loans), Anticipo TFS/TFR (severance pay advances for former public/state employees), and Delegazione di pagamento. Products are distributed through a 700+ agent network, over 3,000 Intesa Sanpaolo branches, and exclusive INPS and MEF-NoiPA conventions that grant preferential terms to pensioners and state employees.
Is Prestitalia a public or private company?
Prestitalia is a private company. It is classified as corporate owned and is currently operating.
When was Prestitalia founded?
Prestitalia was founded in 1998. It employs 101 to 250 people.
Where is Prestitalia based?
Prestitalia is headquartered in Bergamo, Italy, in the Europe region.
How does Prestitalia make money?
One revenue line is on record: loan Origination and Intermediation.
Who are Prestitalia's main competitors?
Banca Sella (Sella Group Consumer Credit) is listed as a broad incumbent. Direct peers are Compass (Mediocredito Centrale), Fiditalia, Agos, Findomestic Banca and Cofidis Italia. Illimity Bank is listed as an emerging player. Facile.it is listed as an others.
Does Prestitalia have an API?
No public API is recorded for Prestitalia.
What industry is Prestitalia in?
Prestitalia's product category is Consumer Credit Services. Its primary akta.pro industry code is FSAEABAD, Retirement Income Planning & Decumulation Advisory. Its NAICS code is 52229.