Fidirete

What Fidirete does

Fidirete s.r.l. is a Palermo-headquartered, privately held Italian financial services agency that operates as a licensed agente in attività finanziaria (OAM A8985; RUI E000690931) distributing loan products on behalf of Prexta Spa, an Intermediario Finanziario registered with Banca d'Italia (Albo Unico no. 117) and part of Gruppo Bancario Mediolanum. The company was founded in 2015 and is led by legal representative Sig. Giuseppe Scaccia.

Its core offering is the Cessione del Quinto (CQ), a salary- and pension-backed consumer credit product whose repayments are deducted directly from the borrower's net monthly income at a ceiling of one-fifth. The product suite is segmented by employer category: public employees (Regione Siciliana, Comuni, Aziende Ospedaliere, Pubblica Amministrazione, ex-Province), ministerial employees (Polizia di Stato, Carabinieri, Forze Armate, Vigili del Fuoco, Pubblica Istruzione), parapublic employees (AMAT, AMG, RAP, Acquedotto, AMAP, GESAP), private-sector employees, and pensioners (INPS, INPDAP, Fondo Quiescenza Regione Sicilia, CIPAG, ENPALS, ENPAM). Complementary products include a tiered personal-loan family (PRESTITO START, ONE, TOP, COMPACT, COMPACT MAXI, MAXI) covering €1–€100k, the Prexta Anticipo TFS (advance on termination benefits up to 100% of accrued value with no processing fees or mandatory insurance), and Delegazione di Pagamento as an add-on for existing CQ borrowers.

Fidirete earns commissions on originated loans distributed through a hybrid channel — physical branches plus home-visit field consultants across Palermo, Agrigento, and Trapani, backed by a website lead-capture funnel and localized regional SEO sites. Loan processing is digitized via electronic document signing with the same legal value as a wet signature, and each borrower is assigned a dedicated OAM-authorized consultant who owns the application from inquiry through post-disbursement servicing. Pricing is fully quote-based through consultants rather than publicly disclosed, with amounts capped at €75,000 for standard CQ (up to €100,000 for Prestito MAXI) and maximum borrower age of 87 at loan end for pensioner products.

Name

Fidirete

Legal name

Fidirete s.r.l.

Website

https://fidirete.it

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Fidirete is a Palermo-based Italian financial agency (OAM A8985) that distributes Cessione del Quinto, personal loans, and Anticipo TFS products — supplied by Prexta Spa (Gruppo Mediolanum) — to public-sector, ministerial, parapublic, private, and pensioner borrowers across Sicily via branches and home-visit consultants.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Mortgage Refinance & Rate/Term Intermediation (FSAEAEAC)

Keywords

• Salary deduction loans
• Personal loan services
• Pensioner loan products
• Debt consolidation loans
• Financial agency services

Headquarters

HQ city

Palermo

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Loan Origination / Agent Commission: Fidirete operates as a licensed financial agent (Agente in Attività Finanziaria, OAM A8985, RUI E000690931) of Prexta Spa. It earns commissions for originating Cessione del Quinto loans, delegation of payment loans, TFS advances, and personal loans for Prexta and other partner banks/financial intermediaries.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Fidirete is an Italian licensed financial agency (agenzia in attività finanziaria, OAM A8985) acting as an authorized agent of Prexta Spa (Gruppo Bancario Mediolanum). It distributes Cessione del Quinto (fifth-of-salary/pension deduction) loans, personal loans, and TFS advances to public, ministerial, parapublic, and private sector employees as well as pensioners across Sicily. The company combines physical branches, home-visit consultants, and digital processing (electronic document signing) to deliver loan origination services.

Product overview

Fidirete operates as a financial agency (agenzia in attività finanziaria) for Prexta Spa, part of Gruppo Bancario Mediolanum, specializing in loan products. The core product is the Cessione del Quinto (Fifth Deduction Loan), where loan repayments are automatically deducted from salary or pension, capped at one-fifth of net income. The product portfolio includes specialized Cessione del Quinto offerings for different segments: public employees (regional, municipal, hospital, ministry), semi-public employees (AMAT, AMG, RAP, etc.), private sector employees, and pensioners (INPS, INPDAP, professional funds). Additional products include personal loans (PRESTITO START, ONE, TOP, COMPACT, COMPACT MAXI, MAXI) and Prexta Anticipo TFS for immediate access to termination benefits. The Delegazione di Pagamento serves as an add-on for existing Cessione del Quinto borrowers seeking additional financing.

Differentiator

Problem solved

Functional benefit

Products and services

• Cessione del Quinto Dipendenti Pubblici Loan product for public sector employees where repayments are deducted directly from salary, capped at one-fifth of net salary. Covers employees of regions, municipalities, hospitals, and public administration.
• Cessione del Quinto Dipendenti Ministeriali Loan product for ministerial employees including Polizia di Stato, Carabinieri, Armed Forces, Fire Brigade, Guardia di Finanza, and Public Education staff, with salary-deducted repayments.
• Cessione del Quinto Dipendenti Parapubblici Loan product for employees of semi-public companies (at least 50% publicly controlled), including AMAT, AMG, RAP, Acquedotto, AMAP, and GESAP in the Palermo/Sicily region.
• Cessione del Quinto Dipendenti Privati Loan product for employees of private companies with repayments deducted directly from salary, capped at one-fifth of net salary.
• Cessione del Quinto Pensionati Loan product for pensioners where repayments are deducted directly from pension payments, covering INPS, INPDAP, Regione Sicilia (Fondo Quiescenza), CIPAG, ENPALS, and ENPAM pension holders, with maximum borrower age of 87 years not yet completed at loan end.
• PRESTITO START Personal loan at fixed rate for amounts under 3,000 euros, designed for small projects and minor expenses.
• PRESTITO ONE Personal loan with fixed rate for amounts from 3,000 to 30,000 euros, offering predictable monthly payments.
• PRESTITO TOP Personal loan financing larger projects for amounts from 30,001 to 75,000 euros.
• PRESTITO COMPACT Debt consolidation personal loan for managing all debts with a single monthly payment, with additional cash availability.
• PRESTITO COMPACT MAXI Enhanced debt consolidation personal loan with cash availability up to 100,000 euros.
• PRESTITO MAXI Fixed-rate personal loan for amounts from 75,001 to 100,000 euros for major objectives.
• Prexta Anticipo TFS Advance on Termination of Service (TFS) allowing employees to receive their full matured TFS amount immediately without waiting for standard installments, with no processing fees or mandatory insurance requirements.
• Delegazione di Pagamento Additional financing option for employees who already have a Cessione del Quinto loan, allowing a second deduction from salary.

Quantifiable outcome

• Loan amounts up to €75,000 for standard Cessione del Quinto; up to €100,000 for Prestito MAXI; Anticipo TFS provides 100% of accrued TFS with no processing fees or mandatory insurance
• +2 more outcomes

Segments5 records

Ideal customer profiles6 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.

• Prexta SpacoreChannel Partner/ Reseller/ DistributorFidirete operates as a licensed financial agent (Agente in Attività Finanziaria, OAM A8985) of Prexta Spa, an Intermediario Finanziario registered at number 117 on the Albo Unico held by Banca d'Italia under Art. 106 of D. Lgs. 385/1993 (TUB). Prexta Spa is part of Gruppo Bancario Mediolanum and is the primary product provider for Cessione del Quinto, Delegazione di Pagamento, Anticipo TFS, and personal loans distributed by Fidirete. Fidirete collects commissions on originated loans.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Pitagora S.p.A. Italian financial intermediary specializing in salary/pension deduction loans (Cessione del Quinto) with nationwide branch network. Directly comparable business model as a CQS-specialized financial intermediary serving similar employee and pensioner segments.
• Italcredit: Italian financial intermediary active in salary-backed lending and personal loans. Comparable as a CQS-focused agent operating across Italian regions with similar employee-targeted products.
• Prestitalia: Italian Cessione del Quinto specialist focused on public employees and pensioners. Operates a similar agency model distributing CQS products through financial intermediaries across Italy, with comparable customer segments.
• Sigeconsult: Italian financial broker and agent specializing in salary/pension deduction loans for public employees and pensioners. Comparable small-scale agent model with similar customer targeting and product focus.

Broad incumbents

• Agos Ducato: Italian consumer credit leader (joint venture between Crédit Agricole and Banco BPM) offering personal loans and salary-backed products. Comparable as a CQS and personal loan provider but operating at significantly larger scale with diversified product range.
• Cofidis Italia: Italian consumer credit subsidiary of Cofidis Group offering personal loans and salary deduction products. Comparable in providing CQS and personal loans to employees but with broader product scope and digital-first distribution.
• Compass (Mediobanca Group): Major Italian consumer credit provider owned by Mediobanca, offering Cessione del Quinto alongside broader personal loan and credit card products. Comparable as a large-scale CQS lender overlapping Fidirete's product offering but with much broader product portfolio.
• Findomestic: Major Italian consumer credit provider (BNP Paribas group) offering personal loans and credit products. Comparable in personal loan product overlap though lacks the CQS specialization that is central to Fidirete's offering.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/fidirete
• LinkedInlinkedin.com/company/fidirete

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Fidirete