Finabruzzo Service

What Finabruzzo Service does

Fin Abruzzo Service Srl, doing business as Finabruzzo Service, is an Italian financial intermediary founded in 1994 and headquartered in L'Aquila, Abruzzo. The company distributes salary-backed loan products — primarily Cessione del Quinto (loan assignments with salary or pension deductions up to one-fifth of income) and Delegazione di Pagamento (payment delegations) — through the Italian consumer credit market, serving pensioners, public and state employees, military personnel, parapublic employees, and private-sector employees. Its product surface also includes Anticipo TFS (advance on end-of-service benefits for former public employees) and general Prestiti Personali (personal loans offered through convention agreements). The underlying technology stack is a vanilla marketing website (finabruzzoservice.com on WordPress/Elementor) with quote-request forms; there is no disclosed proprietary platform, no APIs, no mobile apps, and no AI components.

Finabruzzo Service operates as a mandated exclusive intermediary (società monomandataria) for Fides Gruppo Banco Desio, under which it earns intermediation commissions for originating loans on the bank's behalf. It is registered as a financial intermediary with OAM (N.A7786) and as an insurance intermediary with IVASS (E000686644, section E of RUI). The company holds accreditations with major Italian institutions including INPS, Ex INPDAP, Enasarco, Cassa Forense, and several military bodies (Stato Maggiore della Difesa, Marina Militare, Aeronautica Militare, Arma dei Carabinieri, Guardia di Finanza, Esercito Italiano, Capitaneria di Porto). Its go-to-market is consultative and human-led: customers are reached through the website, a toll-free phone line (800218692), email, plus a modest social presence on Facebook and Instagram. Customer acquisition emphasizes a 30-year track record, transparent "TUTTO TAN" pricing (no upfront fees), willingness to serve borrowers with existing credit difficulties or banking-database listings, and full administrative handling including document retrieval from employers.

The company has 11-50 employees and a share capital of €100,000 (fully paid up per the latest balance sheet). It is privately held, with no disclosed external funding, no M&A activity, and no public valuation. Revenue is not publicly disclosed, and the operating geographies are filed regionally as Abruzzo even though accreditation and toll-free infrastructure suggest broader national reach. The competitive position rests on regulatory accreditations, embedded distribution relationships with large public-sector employers, three decades of operating history, and the financial backing of its banking-group principal, Fides Gruppo Banco Desio.

Name

Finabruzzo Service

Legal name

Fin Abruzzo Service Srl

Website

https://finabruzzoservice.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

11–50 employees

Short description

Finabruzzo Service (Fin Abruzzo Service Srl) is an Italian financial intermediary headquartered in L'Aquila that distributes salary-backed loans (Cessione del Quinto) and payment delegation products for Italian employees and pensioners as the exclusive mandated intermediary for Fides Gruppo Banco Desio.

Ownership category

akta.pro rank

Product category

Consumer Lending / Loan Intermediation

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI)

Keywords

• Salary-backed loans
• Loan intermediation
• Pension loans
• Payment delegation
• Consumer credit

Headquarters

HQ city

L'aquila

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Loan Intermediation Services: Finabruzzo Service operates as a mandated monomandataria intermediary (Società monomandataria) for Fides Gruppo Banco Desio, facilitating Cessione del Quinto (loan against one-fifth of salary) and Delegazione di Pagamento products. Revenue is generated through intermediation fees and commissions from the lender Fides/Banco Desio for arranging loans.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Finabruzzo Service is a mandated exclusive intermediary (società monomandataria) for Fides Gruppo Banco Desio, specializing in salary-backed loans (Cessione del Quinto) and payment delegation products (Delegazione di Pagamento) for Italian public/state employees, private and parapublic employees, and pensioners. The company also offers TFS (Trattamento di Fine Servizio) advances for former public employees and personal loans (Prestiti Personali) with transparent 'TUTTO TAN' pricing that eliminates upfront fees.

Product overview

Finabruzzo Service is a financial intermediary specializing in loan products for employees and pensioners in Italy. The company operates through two main product families: Cessione del Quinto (loan assignments with salary/pension deductions up to one-fifth) and Delegazione di Pagamento (payment delegations). Both product lines are segmented by client type: public/state employees, parapublic employees, and private employees, plus a dedicated product for pensioners. Additional offerings include Anticipo TFS (advance on end-of-service benefits) for former public employees and general Prestiti Personali (personal loans). The company is accredited with major Italian institutions including INPS, Ex INPDAP, Enasarco, and Cassa Forense, and operates as a monomandataria of Fides Gruppo Banco Desio.

Differentiator

Problem solved

Functional benefit

Named customers5 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

Partnerships

One partnership is on record.

• Fides Gruppo Banco DesiocoreChannel Partner/ Reseller/ DistributorFinabruzzo Service is a mandated exclusive intermediary (Società monomandataria) for Fides Gruppo Banco Desio, distributing the bank's salary-backed loan products (Cessione del Quinto and Delegazione di Pagamento) under exclusive mandate.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Findomestic Banca: BNL group's consumer finance arm offering personal loans and Cessione del Quinto products through its own network — a direct competitor in salary-backed lending to Italian public sector employees and pensioners.
• Agos Ducato: Major Italian consumer finance company (joint venture between Crédit Agricole and Banco BPM) offering Cessione del Quinto and personal loans, directly competing for the same public-sector and pensioner customer base as Finabruzzo Service.
• Compass Banca: One of Italy's largest consumer finance companies, offering Cessione del Quinto, personal loans, and salary-backed credit products across all customer segments — directly competing with Finabruzzo's product portfolio and serving overlapping public-sector and pensioner customers.
• Fiditalia: Italian consumer finance company (Société Générale group) providing personal loans, salary-backed credit, and Cessione del Quinto products — competing for the same Italian employee and pensioner segments.
• Italcredit: Italian credit intermediary and financial services provider offering Cessione del Quinto and personal loan products — a regional direct peer competing for similar customer segments in the broader Italian market.
• Creditis: Italian credit intermediary specialized in Cessione del Quinto, salary-backed loans, and personal financing — comparable business model and customer focus to Finabruzzo Service.
• Prestitalia: Specialized Italian lender and intermediary focused on Cessione del Quinto and salary-backed loans, serving the same public employee and pensioner segments — competing head-to-head with Finabruzzo Service.
• Prestitempo: Italian consumer finance company specialized in Cessione del Quinto for public sector employees and pensioners, with multi-lender distribution — directly comparable to Finabruzzo's monomandataria model and target segments.

Emerging players

• Younited Credit: European fintech lending platform expanding into Italy with digital personal loan offerings — represents the emerging digital distribution channel that could disrupt traditional credit intermediaries like Finabruzzo.

Broad incumbents

• Banca Desio e della Brianza: Parent banking group of Fides (Finabruzzo's exclusive lending partner) — provides the credit products that Finabruzzo intermediates, and could potentially bypass intermediation with its own direct channels.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/finabruzzoservice
• Instagraminstagram.com/finabruzzo_
• LinkedInlinkedin.com/company/fin-abruzzo-service-srl

Compliance2 records

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 Finabruzzo Service