What Aosta Factor does

Aosta Factor S.p.A. is an Italian financial intermediary registered under Article 106 of the Consolidated Banking Law (TUB) and supervised by the Bank of Italy, specializing in factoring services for Italian businesses. Founded in 1991 and headquartered in Aosta (Valle d'Aosta), it operates as a wholly owned subsidiary of Finaosta S.p.A., the financial arm of the Autonomous Region of Valle d'Aosta, and is part of the Finaosta Financial Group established in 2017. The company markets a suite of seven core factoring products—Pro Soluto (with and without recourse), Pro Soluto IAS Compliant for balance-sheet derecognition, Maturity Factoring, Cross-Border Factoring, Reverse Factoring, and Tax Credit Monetization—under Law 52/1991, complemented by a digital remote factoring channel (myfactoring.it).

The business model is a relationship-driven, transaction-fee model: Aosta Factor purchases trade receivables from clients (advancing up to 90–95% of face value), earns commissions on factored volumes, and charges service fees for credit management, administration, and collection. Revenue is generated on both domestic and cross-border books, with pricing set case-by-case rather than published. The go-to-market relies on direct sales with a specialized team, supported by the parent company's regional network, membership in Assifact (Italian Factoring Association), and a slim organizational structure (11–50 employees) that emphasizes quick decision-making.

In 2025, the company reported a record turnover of €1.67 billion (+7.8% year-over-year), a net profit of €1.009 million, an NPL ratio of 2.73%, and over €140 million of turnover generated by Valle d'Aosta-based enterprises. It signed a new financing agreement with Cassa Depositi e Prestiti (CDP) unlocking over €10 million in dedicated funding, and in 2026 it refreshed its brand and website to mark its 35th anniversary. Customer segments are horizontally diversified across Italian SMEs (primary), large enterprises (primary), and specialized cohorts in public-sector receivables and cross-border trade.

Name

Aosta Factor

Legal name

Aosta Factor S.p.A.

Website

https://aostafactor.it

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

11–50 employees

Short description

Aosta Factor S.p.A. is an Italian regulated factoring intermediary (Art. 106 TUB) founded in 1991 and headquartered in Aosta, serving Italian SMEs and large enterprises with seven factoring products under parent Finaosta S.p.A.

Ownership category

akta.pro rank

Product category

Factoring Services

NAICS

Nondepository Credit Intermediation (5222), Credit Intermediation and Related Activities (522)

SIC

Miscellaneous Business Credit Institution (6159), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Invoice Financing & Factoring (FSAKAGAC)

akta.pro secondary industries

Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD), Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)

Keywords

• Factoring services
• Trade receivables financing
• Working capital solutions
• Credit management services
• Reverse factoring

Headquarters

HQ city

Aosta

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Factoring services - commissions and fees: Aosta Factor generates revenue through commissions charged on factoring operations, including pro soluto and pro solvendo arrangements. The company earns interest on advances paid to clients (up to 90-95% of ceded credits), as well as service fees for credit management, administration, and collection. Revenue is derived from both domestic and cross-border factoring operations.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Aosta Factor S.p.A. is a financial intermediary registered under Article 106 of the Italian Banking Law (TUB), operating since 1991 in Valle d'Aosta. The company purchases trade receivables from Italian businesses (SMEs and large enterprises), advancing up to 90-95% of the credit value and either assuming or retaining the insolvency risk depending on the structure chosen. Its offerings span pro soluto (without-recourse), pro solvendo (with-recourse), IAS-compliant, maturity, cross-border, reverse factoring, and tax credit monetization, complemented by a remote digital platform (myfactoring.it).

Product overview

Aosta Factor S.p.A. is a factoring services company offering a comprehensive suite of seven distinct factoring products. The core offerings include Pro Soluto (without-recourse), Pro Solvendo (with-recourse), and IAS Compliant variants for balance sheet optimization, alongside specialized products for maturity-based payments, cross-border transactions, reverse factoring for supplier financing, and tax credit monetization. All products operate under Law 52/91 and are supported by digital access via the My Factoring remote platform.

Differentiator

Problem solved

Functional benefit

Brands

• MyFactoring: Remote factoring platform for digital access to factoring services

Products and services

• Factoring Pro Soluto
• Factoring Pro Solvendo
• Factoring Pro Soluto IAS Compliant
• Maturity Factoring
• Cross Border Factoring
• Reverse Factoring
• Smobilizzo Crediti d'Imposta
• Remote Factoring (MyFactoring)

Quantifiable outcome

• Turnover growth of 7.8% to €1.67 billion in 2025
• +2 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Assifact (Associazione Italiana per il Factoring)coreOthersAosta Factor actively participates in the Italian Factoring Association. Director General Alessandro Gabriele was elected as an effective auditor (Revisore effettivo) of the new Board of Auditors of Assifact for the 2026-2029 term, following the association's annual assembly held in Milan on June 24, 2026. This represents recognition of Aosta Factor's role in the national factoring system.

Scale indicators7 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Ifitalia: Ifitalia is one of Italy's largest factoring companies, part of the BNL/BNP Paribas group. It directly competes with Aosta Factor in domestic and international factoring, serving SMEs and large corporates with a comparable product range including pro-soluto and reverse factoring.
• Banca IFIS: Banca IFIS is an Italian challenger bank specialized in factoring, credit management and NPL purchasing. It is a direct competitor to Aosta Factor in serving SMEs and mid-caps with factoring and receivables-based financing solutions.
• MPS Leasing & Factoring: MPS Leasing & Factoring is the captive leasing and factoring subsidiary of Banca Monte dei Paschi di Siena. It is a direct competitor in the Italian factoring market, offering pro-soluto, pro-solvendo and structured receivables financing similar to Aosta Factor's product suite.
• Factorit: Factorit is an Italian factoring company historically linked to the banking system and part of the Assifact ecosystem. It is a direct peer to Aosta Factor in offering factoring services to SMEs and corporates across Italy.
• Intesa Sanpaolo Pro (Intesa Sanpaolo Factoring): Intesa Sanpaolo Pro is the factoring vehicle of Italy's largest banking group. It directly competes with Aosta Factor across domestic, international and reverse factoring for SMEs and large corporates across Italy.
• Credito Fondiario (Credifactor): Credito Fondiario operates a factoring and credit servicing business in Italy, comparable to Aosta Factor's receivables management, collection and pro-soluto offerings, particularly in serving SMEs with working capital needs.
• UniCredit Factoring: UniCredit Factoring is the in-house factoring arm of UniCredit, one of Italy's largest banking groups. It competes head-to-head with Aosta Factor on pro-soluto, pro-solvendo and reverse factoring offerings for Italian corporates.

Broad incumbents

• Coface Italia: Coface is a global credit insurance and factoring player with Italian operations. It is comparable to Aosta Factor as a foreign receivables management and credit risk transfer provider, although it operates at much greater scale and internationally.
• SACE (Italian state-backed export credit): SACE is Italy's state-backed export credit and insurance agency. While broader than Aosta Factor, it shares the government-linked institutional character and supports Italian companies on cross-border receivables and credit risk, partially overlapping with Aosta Factor's Cross Border Factoring product.

Others

• Assifact (Associazione Italiana per il Factoring): Assifact is the Italian Factoring Association, of which Aosta Factor is a member. It is an industry body rather than a competitor, but is included as a directly comparable ecosystem participant that defines the standards and policy framework within which Aosta Factor operates.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInit.linkedin.com/company/aosta-factor-s-p-a

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

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 Aosta Factor