Loan Yes Finance SpA

What Loan Yes Finance SpA does

PrestitoSì Finance S.p.A. is an Italian credit mediation company (mediatore creditizio), registered with the OAM under no. M54 and with IVASS Section E under no. E000436289, operating under the umbrella of Holding H2B. The company functions as a third-party intermediary that matches consumer and business borrowers with loan products offered by 65+ partner banks and financial institutions across Italy, earning transaction commissions paid by the lending institution upon successful disbursement. Its product portfolio spans Cessioni del Quinto (salary- and pension-backed loans segmented across public, private, para-public, state-employee, and pensioner categories), Prestiti Personali (unsecured personal loans up to roughly €70,000), Prestiti Finalizzati and Cambializzati, a comprehensive Mutui suite (acquisto, ristrutturazione, liquidità, surroga, consolidamento debiti, rifinanziamento), and Finanziamenti Aziendali covering fintech, leasing, factoring, microcredit, and short/medium/long-term business financing.

The company distributes through a hybrid GTM model combining 5 directly-owned branches, 98 franchise-style agencies under the PrestitoSì Family banner, and a network of over 200 Credit Advisors, complemented by digital self-serve channels for online loan requests and free feasibility studies. The feasibility-study workflow (Studio di Fattibilità) is a process-level differentiator that allows customers to assess loan fit without triggering credit-bureau inquiries. It operates exclusively within Italy, reports no public listing or external institutional investors, and does not disclose revenue, headcount, or transaction-volume figures. PrestitoSì is supported by an integrated media partnership with Cairo Editore and has received Italian industry recognition including Il Sole 24 Ore coverage and the Ambroselli and Premio Cento Eccellenze awards; sub-brands include MutuoSì (mortgage division) and PrestitoSì Family (agency network).

Name

Loan Yes Finance SpA

Legal name

PrestitoSì Finance S.p.A.

Website

https://prestitosifinance.it

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

101–250 employees

Short description

PrestitoSì Finance S.p.A. is an Italian credit mediation company, OAM-registered, that matches consumer and SME borrowers with loans from 65+ partner banks across Italy, distributed through 5 branches, 98 agencies, and 200+ Credit Advisors.

Ownership category

akta.pro rank

Product category

Credit Mediation Services

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Mortgage Refinance & Rate/Term Intermediation (FSAEAEAC)

Keywords

• Credit mediation services
• Personal loan brokerage
• Salary-deducted loans
• Mortgage brokerage
• Business financing solutions

Headquarters

HQ city

Milano

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, Technology or R&D, Others

Revenue model

1. Credit Mediation Commission: PrestitoSì acts as a credit intermediary, earning commissions from banking partners when loans are successfully finalized. The mediator is compensated by the bank only upon actual loan disbursement, with no hidden costs or advance payments required from customers. This commission-based model aligns the company's incentives with successful loan outcomes for customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

PrestitoSì Finance S.p.A. is an Italian credit mediation company that brokers personal loans, mortgages, Cessioni del Quinto (salary- and pension-deducted loans), and business financing solutions between customers and a network of over 65 partner banks and financial institutions. The company delivers its services through 5 direct branches, 98 partner agencies, and 200+ Credit Advisors, supported by free feasibility studies and a digital request platform. Revenue is generated via commissions from lending partners on successful loan disbursements.

Product overview

PrestitoSì Finance S.p.A. operates as a credit mediation platform offering a comprehensive portfolio of lending products through a network of over 200 Credit Advisors, 5 direct branches, and 98 agency locations across Italy. The core product suite centers on Cessioni del Quinto (Fifth Assignment Loans) for employees and pensioners with variants for public, private, and para-public sectors; Prestiti Personali (Personal Loans) for flexible unsecured financing; Prestiti Finalizzati (Purpose Loans) tied to specific purchases; Prestiti Cambializzati (Bill of Exchange Loans) for those with credit difficulties; and Mutui (Mortgages) including products for home purchase, renovation, debt consolidation, and refinancing. Business financing services encompass fintech solutions, leasing, factoring, microcredit, and short/long-term financing. The company differentiates through its network of over 65 banking partners and value-added services including free feasibility studies and advisory consultations.

Differentiator

Problem solved

Functional benefit

Brands

• PrestitoSì Family: A branch/franchise model under the PrestitoSì network, operated by Credit Advisors and agencies serving families and small businesses.
• MutuoSì

Products and services

• Cessioni del Quinto

Quantifiable outcome

• Access to over 65 partner banks and financial institutions for competitive loan matching
• +1 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Banking and Financial Institution PartnerscoreChannel Partner/ Reseller/ DistributorPrestitoSì maintains partnerships with over 65 banks and financial institutions across Italy, enabling the company to offer diverse credit solutions including personal loans, mortgages, cessione del quinto, and business financing. These partnerships form the foundation of the company's credit mediation business model.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Agos Ducato: One of Italy's largest consumer credit intermediaries, offering personal loans, cessione del quinto, and auto financing. Directly comparable as a multi-channel credit provider operating through both direct and partner distribution.
• Compass (Mediolanum): Major Italian credit broker specializing in personal loans and cessione del quinto, owned by Banca Mediolanum. Comparable in product mix and target customer segments to PrestitoSì.
• Cofidis Italia: Italian branch of the European consumer credit specialist, offering personal loans and credit solutions to households. Comparable in product offering and credit mediation approach.
• Findomestic (BNL-BNP Paribas): Italian consumer credit specialist offering personal loans, auto loans, and purpose loans. Comparable as a large-scale credit intermediary with similar customer segments.

Emerging players

• Segugio.it: Italian comparison platform for mortgages, loans, and insurance products. Comparable as a digital intermediary offering multi-lender credit matching, including surroga del mutuo.
• MutuiOnline: Italian online mortgage broker offering rate comparison and intermediation across multiple banks. Comparable in mortgage brokerage intermediation (including surroga), an overlapping service line with PrestitoSì.
• Facile.it: Italian price comparison portal covering credit, insurance, and utilities. Comparable as an intermediation platform connecting consumers to multiple lenders, including for mortgages and personal loans.
• Younited Credit Italy: European digital consumer lending platform operating in Italy with instant credit decisioning. Comparable on personal loan brokerage but with a digital-first model.

Broad incumbents

• Banca Mediolanum: Italian retail bank with significant consumer lending operations including through its subsidiary Compass. Comparable as a source of credit supply that PrestitoSì partners with or competes against for direct lending.
• BNL BNP Paribas (Findomestic parent): Major Italian retail bank with extensive consumer credit operations through Findomestic. Comparable as both a potential banking partner and a direct competitor in the Italian credit market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/prestitosi

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 Loan Yes Finance SpA