We Finance

What We Finance does

We Finance S.p.A. a Socio Unico is an Italian financial intermediary headquartered in Turin, wholly owned by Pitagora S.p.A. and operating within Gruppo Cassa di Risparmio di Asti (Codice Gruppo 6085.5) under the direction and coordination of Banca di Asti S.p.A. The company is registered at number 164 in Banca d'Italia's Register of Financial Intermediaries pursuant to Article 106 TUB, authorizing it to originate consumer credit in Italy. Its commercial brand, SoloQui, targets Italian public and private sector employees and pensioners with fixed-rate, single-signature personal loans whose repayments are deducted directly from the borrower's salary or pension.

The company's core product is Cessione del Quinto, a fifth-of-salary/pension loan offering up to €75,000 over 48-120 months with fixed rates and constant installments, shielded from default risk by mandatory direct deduction from the borrower's paycheck. Supplementary products include Prestito con Delega (a delegation-of-payment loan up to €75,000, combinable with an existing Cessione del Quinto up to 40% of net salary), giustoXte (small-ticket unsecured loans up to €8,000 over 36 months, launched in 2025), Anticipo TFS/TFR (lump-sum severance advance for retired public employees), and Prestito Personale (unsecured personal loans up to €30,000 distributed under a mandate from Younited Credit, which retains full underwriting discretion). The company operates a digital lending platform with remote onboarding via video-recognition and OTP-based Qualified Electronic Signature (FEQ), enabling paperless, multichannel contract execution; credit assessment relies on third-party Credit Information Systems (CRIF and CTC).

We Finance generates revenue through interest spreads on originated loans, distribution commissions on Younited Credit-routed personal loans, and insurance premiums embedded in Cessione del Quinto products. Distribution is executed through a nationwide network of OAM-registered financial agents and credit intermediaries (agenti in attività finanziaria and mediatori creditizi) operating on an open-market basis, supplemented by direct digital self-service via the SoloQui website for quote requests and a dedicated agent portal. Loan disbursement for several products is performed by group entities (Pitagora, Younited Credit), positioning We Finance primarily as a regulated originator and distributor within the Gruppo Cassa di Risparmio di Asti banking ecosystem.

Name

We Finance

Legal name

We Finance S.p.A. a Socio Unico

Website

https://wefinancespa.it

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

We Finance S.p.A. is an Italian regulated financial intermediary (Art. 106 TUB) wholly owned by Pitagora S.p.A. within Gruppo Cassa di Risparmio di Asti, operating under the SoloQui brand to provide fixed-rate, salary/pension-deducted personal loans (Cessione del Quinto, Prestito con Delega, TFS/TFR advances, giustoXte) to public and private sector employees and pensioners via an OAM-registered agent network and digital channels.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Consumer Lending (522291), Nondepository Credit Intermediation (5222)

SIC

Personal Credit Institutions (6141), Loan Brokers (6163)

akta.pro industry

PRIMARYFSAHAJAF

Direct Lending — Specialty Finance (Consumer/SME Lending Platforms)

Financial & Insurance/Hedge Funds & Alternative Investments/Alternative Investments — Private Credit & Direct Lending

SECONDARYFSAKAFAF

Retail Credit (Closed-End) & Promotional Financing (0%/Deferred Interest)

Financial & Insurance/Lending & Consumer Finance/Point-of-Sale (POS) & Retail Financing (Installment)

Keywords

• Consumer credit
• Salary-backed loans
• Pension loans
• Personal lending
• Financial intermediation

Headquarters

HQ city

Milan

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Cessione del Quinto dello Stipendio/Pensione: Core product offering a fixed-rate, single-signature personal loan where repayments are deducted directly from the customer's salary or pension (up to 20% of net salary/pension), with repayment periods of 48 to 120 months and amounts up to €75,000. Revenue generated through interest spreads and origination fees on loans to public/private employees and pensioners. The loan is protected by mandatory life and employment risk insurance whose premium is borne by the financial intermediary.
2. Prestito con Delega di Pagamento: Delegation of payment loan similar to cessione del quinto, available to employees who already have an existing cessione del quinto. The combined repayment of both cannot exceed 40% of net salary. Revenue generated through interest on loans up to €75,000 with repayment terms up to 120 months.
3. Anticipo TFS/TFR: TFS/TFR advance financing for retiring public sector employees, where the company pays out the severance pay immediately (up to 100% in discounted form) in a single sum, guaranteed by the assignment of future TFS/TFR installments. Revenue generated through interest charged on the advanced amount.
4. Prestito Personale (by Younited Credit): Unsecured personal loans up to €30,000 with terms up to 84 months at fixed rates. We Finance acts as a promoter and distributor under a distribution mandate from Younited Credit, which retains full discretion over loan approval following its own creditworthiness assessment. Revenue is generated through distribution commissions.
5. giustoXte: Small-project financing up to €8,000 with repayment terms up to 36 months, repaid through monthly deductions from payroll via an irrevocable payment mandate. Erogated by Pitagora and distributed by We Finance. Revenue generated through origination fees and interest spreads.

Pricing tiers

Go-to-market motion3 records

Distribution channels2 records

Marketing channels5 records

Core offering

We Finance S.p.A., operating through its SoloQui consumer brand, is an Italian financial intermediary that provides fixed-rate consumer credit products primarily to public and private sector employees and pensioners. Core offerings include cessione del quinto (salary/pension assignment loans up to €75,000 with 48-120 month terms), prestito con delega (payment delegation loans up to €75,000), anticipo TFS/TFR (single-sum severance advance up to 100% in discounted form), giustoXte small-amount loans (up to €8,000), and personal loans (up to €30,000) distributed under mandate from Younited Credit. All products feature fixed rates, constant installments, single-signature application, and direct payroll/pension deduction.

Product overview

We Finance S.p.A. operates as a financial intermediary in Italy's consumer credit market, distributing its products exclusively under the SoloQui brand. The portfolio centers on cessione del quinto (wage/pension assignment loans) as the core product, supplemented by payment delegation (Prestito con Delega) for additional credit capacity, giustoXte for small-amount financing needs, Anticipo TFS/TFR for retired public employees, and Prestito Personale via partnership with Younited Credit. All products target employees (public/private) and pensioners with fixed-rate, single-signature non-finalized loans.

Differentiator

Problem solved

Functional benefit

Brands

• giustoXte: A non-purpose loan product for small financing needs, offered up to 8,000 euros, repayable up to 36 months, with fixed rate and constant installments.

Products and services

• Cessione del Quinto (Salary/Pension Assignment Loan) Fixed-rate, single-signature non-finalized personal loan for public/private sector employees and pensioners, repaid via direct deduction from salary or pension (up to 20% of net income). Up to €75,000 over 48-120 months, with mandatory life and employment risk insurance included.
• Prestito con Delega (Payment Delegation Loan) Delegation of payment loan similar to cessione del quinto, available to employees with an existing cessione del quinto. Combined repayment of both cannot exceed 40% of net salary. Up to €75,000 with terms up to 120 months at fixed rate.
• Anticipo TFS/TFR (Severance Pay Advance) Advance on TFS/TFR severance pay for retired public sector employees who have not yet received their severance. Up to 100% of total paid in a single lump sum in discounted (actuarial) form, with no monthly repayment installments, no salary/pension withholdings, and no need for a current account.
• giustoXte (Small-Amount Financing) Small-project financing up to €8,000 (net disbursed) with terms up to 36 months at fixed rate with constant installments. Repaid through monthly deductions from payroll via an irrevocable payment mandate. Unsecured non-finalized loan with single signature. Erogated by Pitagora, distributed by We Finance.
• Prestito Personale (Personal Loan) Unsecured personal loan up to €30,000 with terms up to 84 months at fixed rate with constant installments and single signature. Offered in partnership with Younited Credit, which retains full underwriting discretion; We Finance acts as promoter and distributor under a distribution mandate.

Quantifiable outcome

• 24-hour definitive outcome communication upon receipt of complete documentation
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

One partnership is on record.

• OAM – Organismo Agenti e MediatoricoreChannel Partner/ Reseller/ DistributorOAM is the official Italian registry for financial agents and credit intermediaries. SoloQui's distribution network consists exclusively of agents in attività finanziaria and mediatori creditizi registered with OAM, operating nationwide on the Italian market. OAM regulation ensures intermediary compliance and consumer protection.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Compass (Mediobanca): Italian consumer-credit leader within the Mediobanca group, offering personal loans, salary-assignment (CQ) loans, and credit cards. Comparable on CQ and personal loan products with broader product portfolio and larger balance sheet.
• Agos Ducato: Major Italian consumer credit provider (Crédit Agricole/UniCredit JV) offering personal loans, salary-assignment loans, and auto financing. Directly comparable to We Finance on CQ and personal loans with substantially larger origination volume.
• Cofidis Italia: Italian subsidiary of the Cofidis group providing personal loans and revolving credit to consumers. Comparable on the unsecured personal-loan product distributed by We Finance via Younited Credit.
• Findomestic Banca: One of Italy's largest consumer credit providers (BNL/BNP Paribas group) offering personal loans, salary-assignment loans, and auto financing nationwide. Directly comparable on personal loan and cessione del quinto products but at materially larger scale.
• BNP Paribas Personal Finance (Italy): Italian consumer-finance subsidiary of BNP Paribas offering personal loans, salary-assignment loans, and credit cards. Comparable CQ and personal-loan offerings to We Finance at significantly larger scale.
• Santander Consumer Bank (Italy): Italian consumer-credit arm of Santander offering personal loans, salary-assignment loans, and auto financing. Comparable to We Finance on CQ and personal-loan products via a national agent distribution model.

Emerging players

• Facile.it (Prestiti): Italian price-comparison portal including personal loans and CQ products. Comparable as a digital aggregator that competes for We Finance's online quote traffic and agent leads.
• PrestitiOnline.it: Italian loan-comparison and brokerage platform helping consumers compare personal loans and CQ offers from multiple lenders. Comparable as a digital acquisition channel that competes with We Finance's direct-to-consumer quote flow.

Direct peers

• Pitagora S.p.A. Immediate parent company of We Finance and co-distributor of the TFS/TFR advance and giustoXte products. Operates as a financial intermediary in the same Italian consumer-credit space with overlapping cessione del quinto and small-ticket personal loan offerings.
• Younited Credit: European online lender providing personal loans in Italy up to €30,000 with terms up to 84 months; We Finance distributes Younited's loans under a distribution mandate, making Younited a direct product-line peer and operating partner.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

Compliance3 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 We Finance