What PrestitoSì Automotive does

PrestitoSì Automotive S.r.l. is an Italian credit mediation intermediary founded in March 2024 as a subsidiary of Holding H2B. Operating under OAM Mediatore Creditizio registration M577 and IVASS Section B registration B000726307, the company distributes automotive financing products through a B2B channel of more than 200 affiliated Car Dealers across Italy, supported by a direct field sales force of Area Managers and a corporate-website direct-to-consumer front end. End customers reach the company indirectly through dealer partners at the point of vehicle sale.

The product portfolio covers the full spectrum of automotive credit: prestiti finalizzati (targeted vehicle loans), prestiti personali up to €30,000, cessioni del quinto up to €75,000, a family of Rateale installment variants (Standard, Maxi Rata, Maxi Rata Plus, Minirata, Leisure Camper plus motorcycle and commercial-vehicle sub-products), leasing products for vehicles, motorcycles, heavy commercial assets, and campers, and PCP (Personal Contract Purchase). In February 2026 the company launched an Insurance Division distributing CVT (Corpi Veicoli Terrestri) vehicle insurance policies. Operational delivery runs on the proprietary "Sìstema" all-in-one digital platform developed by parent Holding H2B, which enables dealer partners to compare, customize, and submit credit applications and insurance policies in real time.

Revenue is generated primarily via transaction-based commissions on credit intermediation and insurance distribution, with a small, distinct stream of professional training fees (IVASS and OAM qualification courses priced €36.60 to €109.80 per participant). H1 2026 disclosures report intermediated volume above €31 million (+13% YoY), brokerage division revenue approaching €6 million, the Insurance Division beating its 250-policy target with 700 policies issued, and a 2025 credit mediation revenue target of €13 million. The company is headquartered in Milan (Viale dell'Innovazione, 13) within the Holding H2B ecosystem that also includes PrestitoSì Finance, RentalSì, and AssicuraSì Broker, and operates with a 12-person headcount.

Name

PrestitoSì Automotive

Legal name

PrestitoSì Automotive S.r.l.

Website

https://prestitosiautomotive.it

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

11–50 employees

Short description

PrestitoSì Automotive is an Italian credit mediation intermediary that distributes automotive financing and CVT insurance products through a B2B channel of 200+ affiliated Car Dealers, using the proprietary Sìstema digital platform for application processing and policy issuance across Italy.

Ownership category

akta.pro rank

Product category

Automotive Credit Mediation

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Auto & Vehicle Loan Brokerage (FSAEAEAK)

akta.pro secondary industry

New & Used Auto Purchase Loans (FSAKADAA)

Keywords

• Automotive credit mediation
• Vehicle financing services
• Consumer auto loans
• CVT insurance distribution
• Automotive leasing solutions

Headquarters

HQ city

Milan

HQ country

Italy

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Credit Mediation Commission: PrestitoSì Automotive operates as a credit mediator (Mediatore Creditizio, registered under number M577 at the Organismo degli Agenti e dei Mediatori), putting credit institutions in contact with clients for loan concessions. The company earns commissions on financed transactions intermediated through its dealer network. The company achieved over €31 million in intermediated volume in H1 2026, with a target of €13 million revenue for credit mediation in 2025.
2. Insurance Distribution Commission: The Insurance Division, launched in February 2026 and focused on CVT (vehicle body) insurance policies, generated 700 policies issued against a target of 250. The division achieved +180% growth, earning commissions on each policy distributed through dealer partners via the SISTEMA platform.
3. Training Course Fees: Through convention arrangements with IVASS and OAM, the company offers training courses for insurance and credit professionals: 30-hour IVASS maintenance course (€60), 60-hour IVASS new registration course (€100), OAM assessment test (€85.40), 45-hour OAM update course (€109.80), 30-hour OAM update course (€73.20), 15-hour OAM update course (€36.60).

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

PrestitoSì Automotive is an Italian credit mediation intermediary that places end customers of affiliated car dealers in contact with banks and financial institutions for vehicle financing. It distributes secured and unsecured loans (Prestiti Finalizzati, Prestiti Personali up to €30,000, Cessioni del Quinto up to €75,000), installment financing variants (Rateale), vehicle leasing, PCP, long-term rental via partner RentalSì, and CVT vehicle insurance policies through the proprietary Sìstema digital platform.

Product overview

PrestitoSì Automotive operates as a credit mediation company (Mediatore Creditizio OAM M577) offering a comprehensive portfolio of automotive financing products. The core offerings include: Prestiti Finalizzati for vehicle purchases at preferential rates; Prestiti Personali up to €30,000 without restrictions; Cessioni del Quinto up to €75,000 for employees and retirees. The Rateale product family provides installment financing with multiple variants (Standard, Maxi Rata, Maxi Rata Plus with guaranteed exit, Minirata, and Leisure for campers) covering vehicles up to 35 quintali, motorcycles, and heavy commercial vehicles. Leasing solutions cover vehicles, motorcycles, trucks/buses/agricultural vehicles, and campers. PCP (Personal Contract Purchase) enables vehicle use with payments based on actual utilization. Long-term rental is available through RentalSì partnership. CA Auto Pay handles payment processing via CA Auto Bank. A proprietary Insurance Division (launched February 2026) offers CVT vehicle insurance through the Sìstema digital platform. The company serves a network of over 200 Car Dealer partners across Italy.

Differentiator

Problem solved

Functional benefit

Brands

• Sìstema: Proprietary all-in-one digital platform developed by Holding H2B for management, analysis, and monitoring of dealer, partner, and consultant activities.

Products and services

• Prestiti Finalizzati Secured loans with customized rates for financing the purchase of cars or motorcycles at preferential rates and advantageous conditions, distributed through affiliated dealers to private customers.
• Prestiti Personali Unsecured personal loans up to €30,000 without destination restrictions, available to employees, self-employed professionals and retirees.
• Cessioni del Quinto Salary- and pension-backed loans up to €75,000 for employees and retirees, with monthly installments equal to 1/5 of salary or pension.
• Rateale (Installment Financing) Installment financing for purchasing new or used vehicles, motorcycles, commercial vehicles, agricultural vehicles, semitrailers and campers, with payment dilution into convenient monthly installments and multiple variants (Standard, Maxi Rata, Maxi Rata Plus, Minirata, Leisure).
• Leasing Vehicle leasing solutions with fixed monthly payments and fiscal/operational advantages, available for standard vehicles, motorcycles, heavy commercial vehicles, buses, agricultural machinery, semitrailers and campers.
• PCP (Personal Contract Purchase) Financing that lets the customer drive a new car paying only for actual usage, with lower monthly payments and an optional final balloon payment.
• Noleggio Lungo Termine Long-term vehicle rental solutions for individuals and businesses distributed through the partnership with RentalSì (part of Holding H2B), offering flexibility without long-term ownership commitment and maintenance-inclusive packages.
• CA Auto Pay Digital payment system offered to financing customers through the partnership with CA Auto Bank, used to manage loan repayments.
• Polizze CVT (Corpi Veicoli Terrestri) Vehicle total coverage insurance policies covering theft, fire, vandalism, atmospheric events and glass damage, issued to consumers via affiliated dealers using the Sìstema digital platform. The division issued 700 policies in H1 2026 against a target of 250.
• IVASS/OAM Accredited Training Courses Accredited professional training for insurance intermediaries (IVASS Section B 30-hour maintenance course at €60, 60-hour new registration course at €100) and credit professionals (OAM assessment test at €85.40, 45-hour update at €109.80, 30-hour update at €73.20, 15-hour update at €36.60).

Quantifiable outcome

• +13% growth in intermediated volume (H1 2026 vs H1 2025)
• +2 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Six partnerships are on record, tiered core, supporting and regulatory.

• Global Insurance Companies (Captive)coreStrategic or Co-development Partner · 1 February 2026Exclusive captive insurance agreements with primary global insurance companies for CVT (Corpi Veicoli Terrestri) vehicle insurance policies. These agreements provide competitive pricing enabling the Insurance Division to achieve 700 policies issued against a target of 250 in its first semester of operation.
• RentalSìcoreStrategic or Co-development PartnerRentalSì is a long-term rental company belonging to Holding H2B. PrestitoSì Automotive has a partnership with RentalSì enabling dealers to offer long-term vehicle rental solutions alongside financing products. The integration creates a synergistic ecosystem where dealers can provide both financing and rental options to customers.
• CA Auto BanksupportingTechnology or IntegrationCA Auto Bank provides the CA Auto Pay payment system that PrestitoSì Automotive offers to its customers. This collaboration enables digital payment solutions for financing customers.
• Holding H2BcoreStrategic or Co-development PartnerPrestitoSì Automotive is a subsidiary of Holding H2B, which also owns PrestitoSì Finance S.p.A. (credit mediation), RentalSì (long-term rental), and AssicuraSì Broker (insurance brokerage). The Holding provides shared services, the proprietary Sìstema platform, and strategic direction.
• IVASSregulatoryOthersItalian Insurance Supervision Institute. PrestitoSì Automotive holds IVASS registration section B number B000726307 for insurance distribution activities, and offers training courses in partnership with IVASS for insurance professional qualification.
• OAM (Organismo Agenti e Mediatori)regulatoryOthersItalian register for credit brokers and agents. PrestitoSì Automotive is registered as credit mediator under number M577 at OAM, and offers training courses in partnership with OAM for credit professional qualification.

Scale indicators12 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Compass (Mediobanca): Italian consumer credit division of Mediobanca offering personal loans, auto loans, and salary-backed loans through a multi-channel distribution model including dealer partnerships. Comparable as a regulated credit intermediary with broad Italian dealer coverage.
• Agos Ducato: Major Italian consumer credit company (Crédit Agricole and Banco BPM JV) offering personal loans, auto loans, and cessioni del quinto. Directly comparable in product mix (including Cessioni del Quinto up to similar amounts) and dealer-distribution model.
• Findomestic: Italian consumer credit specialist and one of the largest automotive loan brokers in Italy, owned by BNL Paribas. Directly comparable as a mass-market auto and personal loan intermediary serving Italian car dealers and consumers with similar product breadth (finalized loans, personal loans, refinancing).
• Cofidis Italia: Italian subsidiary of Crédit Mutuel's Cofidis offering personal loans, auto financing, and credit intermediation. Comparable as a multi-product credit intermediary serving Italian consumers with similar regulated structure.
• Sella Personal Credit: Italian consumer credit company within the Sella Group offering personal loans and specialized auto financing through dealer and direct channels. Comparable as a regulated, mid-sized Italian credit intermediary.
• PrestitiSì Finance S.p.A. Sister company within Holding H2B that also intermediates credit in Italy. Highly comparable as a direct peer operating under the same parent ecosystem with overlapping product offerings and regulatory framework (OAM registration).
• CA Auto Bank: Captive auto finance bank for multiple OEMs (previously FCA Bank). Although PrestitoSì has a payment partnership with them, CA Auto Bank also directly competes in automotive financing and dealer intermediation, making it both a partner and a direct competitor.
• Santander Consumer Bank: Italian arm of Santander's consumer finance business, active in auto loans, personal loans, and dealer financing through bank and broker channels. Comparable in regulated intermediation and product breadth.

Broad incumbents

• Deutsche Bank Easy: Italian online consumer lending brand of Deutsche Bank offering personal and auto loans. Comparable as an incumbent financial intermediary serving Italian consumers with regulated credit products, though broader in overall scope.
• BNL Finance (BNL Paribas): Banking arm offering a wide suite of consumer and auto loan products through owned channels and dealer partnerships. Comparable as a much larger incumbent with overlapping products but broader portfolio beyond credit intermediation.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/prestitos%C3%AC-automotive

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 PrestitoSì Automotive