Micro Finance

What Micro Finance does

Micro Finance S.r.l. con S.U. is an Italian financial services agency (Agenzia in Attività Finanziaria, OAM n° A7255), founded in 2010 and headquartered in Milan at Via Vasto 1. The company operates exclusively as an authorized intermediary distributing third-party financial products rather than as a balance-sheet lender. On the B2C side, it acts as a financial agency of Cofidis Group (a Crédit Mutuel Alliance Fédérale–backed European consumer credit specialist), distributing consumer credit and installment payment solutions including PagoDIL (zero-cost deferred payment) and Prestito Finalizzato (finalized loans) at partnered retail points of sale. On the B2B side, it acts as a financial solutions partner of dll Group, distributing financial leasing, operational leasing, and related consulting services to Italian businesses and professionals.

The company's go-to-market is fully indirect: it does not market directly to end consumers but instead recruits and enables a nationwide network of partnered businesses (aziende convenzionate) spanning home appliances, climate control, home security, renewable energy (solar, wind), bathroom furnishings, electric scooters, sleep systems, and water treatment. These partners offer Micro Finance financing solutions to their customers at point of sale, in exchange receiving immediate settlement, a self-service plan-simulation portal, dematerialized processes, and increased conversion on higher-ticket purchases. Revenue is generated via transaction fees/commissions on credit and leasing arrangements facilitated between Cofidis/dll and the merchant's end customer; pricing is set by the principal partners' product terms rather than independently by Micro Finance.

The core technology stack is not publicly disclosed and no proprietary platforms or AI/ML capabilities are evidenced. Operational differentiation rests on the regulatory authorization to intermediate, the dual-product (B2C + B2B) integration, local Italian market knowledge, and a decade of partner relationships. Headcount is in the 11-50 range with active recruitment across commercial, administrative, back-office, and product specialist roles, including a new Cessione del Quinto (salary-backed lending) line. The company is privately held with no disclosed funding rounds and operates solely within Italy.

Name

Micro Finance

Legal name

Micro Finance S.r.l. con S.U.

Website

https://micro-finance.it

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Micro Finance is an Italian financial services agency that distributes Cofidis consumer credit and dll Group leasing products to partnered retail businesses across Italy, enabling merchants to offer installment and financing solutions at point of sale.

Ownership category

akta.pro rank

Product category

Financial Services Intermediary

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Personal Credit Institutions (6141), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Debt Capital Raising Intermediation (Private Debt/Mezzanine/Bonds) (FSAEALAM)

akta.pro secondary industry

Microfinance, Financial Inclusion & Inclusive Markets (BPAGABAM)

Keywords

• Consumer credit agency
• Financial leasing services
• Installment payment solutions
• Payment deferral solutions
• Business leasing advisory

Headquarters

HQ city

Milano

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Consumer Credit and Installment Payments (B2C): Acts as Cofidis Retail agency providing consumer credit and deferred payment solutions to partnered businesses' customers. Earns commissions or fees from facilitating credit transactions between Cofidis and end consumers at partner retail locations.
2. Financial and Operational Leasing (B2B): Operates as dll financial solutions partner offering financial leasing and operational leasing to businesses and professionals. Provides advisory services and facilitates leasing arrangements for equipment and asset acquisitions.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Micro Finance S.r.l. is an Italian financial services agency (Agenzia in Attività Finanziaria) operating as an authorized intermediary for Cofidis Group (B2C consumer credit and installment payments via PagoDIL and Prestito Finalizzato) and DLL Group (B2B financial leasing and operating lease). The company serves partnered retailers and businesses across Italy, providing advisory and facilitating credit and leasing transactions at the point of sale.

Product overview

Micro Finance S.r.l. is a financial agency operating under Cofidis Retail, serving as an intermediary for consumer credit and payment solutions (B2C) and business financing solutions (B2B). The company offers a portfolio of financial products including PagoDIL for payment deferral, Prestito Finalizzato for consumer credit, and through its DLL partnership, Leasing Finanziario and Locazione Operativa for business clients. The B2C offerings focus on consumer credit and installment payments, while B2B services provide financial and operating leasing solutions for enterprises seeking to enhance their productivity and competitiveness.

Differentiator

Problem solved

Functional benefit

Brands

• PagoDIL: Credit solution by Cofidis that allows businesses to receive immediate payment while customers pay in installments with no additional costs.
• Prestito Finalizzato

Products and services

• PagoDIL A payment deferral solution by Cofidis that allows merchants to offer customers the ability to spread payments over time without additional costs. Provides real-time approval and immediate merchant settlement; aimed at consumer purchases at partnered retailers.
• Prestito Finalizzato (Finalized Loan) Consumer credit service by Cofidis enabling merchants to offer multiple financing solutions for customers to purchase higher-value items in installments. Targeted at individual consumers buying goods through partnered retail businesses.
• Leasing Finanziario (Financial Leasing) Financial leasing product for businesses and professionals, enabling acquisition of equipment or assets through structured financing arrangements; distributed via the DLL partnership.
• Locazione Operativa (Operating Lease) Operating lease solution for enterprises providing flexible asset rental without ownership transfer, with fully dematerialized processes; aimed at companies seeking productivity investments without upfront capital outlay.
• Consulenza (Consulting Services) Financial consulting services for businesses and professionals, providing tailored financial product offerings to improve productivity and competitiveness alongside leasing arrangements.

Quantifiable outcome

• Increased sales conversion for partner businesses through deferred payment options
• +1 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered flagship and minor.

• Cofidis S.A. (Succursale Italiana)flagshipChannel Partner/ Reseller/ DistributorMicro Finance operates as an authorized financial agency of Cofidis, offering consumer credit and installment payment solutions (B2C). Cofidis is a leading European consumer credit specialist operating in 9 European countries, backed by Crédit Mutuel Alliance Fédérale, one of France's major banks.
• DLL B.V. (Succursale Italiana)flagshipChannel Partner/ Reseller/ DistributorMicro Finance serves as dll financial solutions partner, providing financial leasing and operational leasing services to businesses and professionals (B2B). dll Group is an international provider of asset-based financial solutions.
• Rise Against HungerminorOthersCollaboration with Rise Against Hunger, an international non-profit organization fighting hunger through food distribution and humanitarian aid. Micro Finance donates time, resources, and support to this cause.
• LILT (Lega Italiana per la Lotta contro i Tumori)minorOthersCharity partnership through Milano Marathon participation, supporting LILT and their 'Child Care' program for pediatric cancer research and support.
• Sorrisi InfinitiminorOthersPartnership supporting Sorrisi Infiniti association and their Clowndottori project in Burundi, providing support to children and families through clown therapy and humanitarian programs.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Agos Ducato: Agos is a large Italian consumer-credit provider offering personal loans and installment products. It overlaps with Micro Finance's B2C credit distribution, though at greater scale and as a direct lender.
• Grenke: Grenke provides small-ticket leasing and related financial services to businesses. Its asset-finance model is comparable to Micro Finance's B2B leasing distribution, with a more direct lessor and finance-company model.
• Klarna: Klarna is a global buy-now-pay-later and consumer-finance platform embedded at checkout. Its installment proposition is comparable to PagoDIL and merchant-funded credit, though its scale and geographic reach are much broader.
• Findomestic: Findomestic provides consumer-credit and purchase-financing solutions in Italy. It overlaps with finalized loans and merchant financing, but it is a direct credit provider rather than an agency.
• BNL BNP Paribas Leasing Solutions: BNL BNP Paribas Leasing Solutions provides B2B equipment and asset leasing. It overlaps with Micro Finance's DLL financial and operating leasing proposition and serves businesses and professionals.

Direct peers

• Scalapay: Scalapay offers buy-now-pay-later and installment payment solutions to merchants and consumers. It is a direct product and market analogue for Micro Finance's consumer installment and deferred-payment proposition.
• Mister Finance: Mister Finance is an Italian online loan-comparison and brokerage platform that connects borrowers with lenders. Its intermediary-led model is comparable to Micro Finance's role in facilitating credit, although it is more consumer-focused and digital.
• Soisy: Soisy is an Italian fintech providing consumer credit and installment payments for online purchases. It overlaps with PagoDIL and finalized loans at the point of sale, but operates as a financing platform rather than a multi-product agency.

Others

• Cofidis: Cofidis is the consumer-credit provider behind Micro Finance's B2C products and operates across nine European countries. It is comparable as a major point-of-sale installment-credit platform, although Micro Finance is an intermediary rather than a direct competitor.
• DLL Group: DLL is the asset-finance provider behind Micro Finance's financial and operating leasing line. Its B2B leasing and advisory offering is directly comparable to Micro Finance's second product line, though DLL is a provider and partner rather than a direct agency competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/micro-finance-srl
• Facebookfacebook.com/MicroFinanceSrl

Compliance1 record

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 Micro Finance