Best Alternative Lending Companies in Italy
The 57 best Alternative Lending companies in Italy in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Scalapay.
Among the 57 Alternative Lending companies tracked in Italy, Scalapay sits in a category of its own: $953M in disclosed funding, against a field where total sector funding reaches $1.1B. That ratio tells you everything about how concentrated this market still is. AideXa follows at $106M, Credimi at $27M, and the rest of the pack trails well behind. One unicorn in the cohort. The global market was pegged at roughly $2.4B in 2023, growing at a 14.4% CAGR, and Italy's slice reflects both that momentum and its own structural quirks, particularly a banking sector that's historically slow to serve SMEs and younger borrowers.
So what's actually moving the needle here? Demand from both individuals and businesses is compressing the gap between traditional credit and alternative channels, and recent practitioner commentary frames that shift less as disruption and more as coexistence. I'd add that regulatory clarity in Italy remains a live variable, one that investors like Fasanara and Fabrick are clearly watching. As research on fintech credit markets shows, platform transparency and borrower data quality are what separate durable lenders from short-cycle plays. The funding gap between Scalapay and everyone else won't close fast, but the mid-tier is where the interesting bets are forming right now.
Ranked: Best Alternative Lending companies in Italy
| # | Company | Last round | Disclosed funding | Employees | Founder | Tech stack | Web popularity | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | adv finance ADV Finance provides an array of loans, credit, information technology, debt consolidation, and payment… | — | — | 43 | — | WordPressMySQLPHP+16 | Top 5M | — |
| 2 | Aigis Banca Provider of specialist lending and banking services intended for small and medium-sized enterprises. | — | — | 50 | — | — | — | — |
| 3 | Anticipay Online marketplace for invoice financing | — | — | 11 | Jacopo Moresco Chief Executive Officer and Founder | — | — | — |
| 4 | ATS ReLab Software for credit assessment | — | — | — | Gianluigi Guida CEO | — | — | — |
| 5 | Bitcoin PosPAY Provider of bitcoin payments & POS solutions for businesses | — | — | — | Walter Pugi Founder & CEO | — | — | — |
| 6 | CambioMerci Cambiomerci.com è un network che mette insieme aziende e professionisti interessati al baratto di beni e… | — | — | 28 | — | — | — | — |
| 7 | comparetech CompareTech is a developer of price comparison as a service platform. | — | — | 4 | — | — | — | — |
| 8 | ConfrontaConti Online platform for comparing banking products | — | — | — | Alessandro Fracassi CEO | — | — | — |
Top 12 Alternative Lending companies in Italy
#1
Scalapay 🦄Series B · Milan, Lombardy · founded 2019 · 207 employees$952.7Mraised▾
Provider of payment solutions for e-commerce businesses. It provides users with a lending platform which provide point-of sale installment financing as well as pay later facility. It allows users to avail the facility by choosing checkout. It provides fraud prevention and data protection systems for customers to maintain secure transactions.
- Dec 2025Conventional Debt$81.5M
- May 2022Series B$37.2M
- Feb 2022Conventional Debt$284M
- Feb 2022Series B$214.9M
#2
Seed · Milano, Umbria · founded 2020 · 104 employees$106.2Mraised▾
Provider of an online lending platform for business loans. Businesses can apply for loans by registering VAT numbers, identity cards, fiscal codes, and other required document details. Repayment of loans can be made on an instalment basis. It also offers open banking solutions to businesses for allowing holders of current accounts to share the data with third parties.
- Jun 2024Seed$17.3M
- May 2023Seed$21.4M
- 2022Seed$12.8M
- Nov 2020Seed$54.7M
#3
Series A · Milan, Lombardy · founded 2021 · 33 employees$14.5Mraised▾
Provider of revenue-based financing and analytics for digital companies. It offers capital for growth and working capital to sustain operations. The platform connects to data sources and uses analytics to improve spending efficiency. It provides funding offers and an analytics platform for decision-making.
- May 2023Series A$11M
- Nov 2021Seed$3.5M
- Nov 2021Conventional Debt$23.2M
#4
Series A · Milan, Lombardy · founded 2015 · 97 employees$27.3Mraised▾
Online marketplace offering diversified business loans. It offers its users loans for various purposes like working capital, trade finance, supply chain loans, and more. It also facilitates installment-based automatic repayments through its platform, and liquidity management to keep the cashflows under control.
- Jan 2022Series A$6.4M
- Nov 2018Series A$11.4M
- Sep 2015Seed$9.5M
#5
Acquired · Milan, Lombardy · founded 2009 · 16 employees$10Mraised▾
Prestiamoci provides an online lending platform for consumer loans. It offers multiple loans including education loans, vehicle loans, debt consolidation, and home renovation loans. The loan term varies between 12-72 months. Investors are repaid in fixed monthly and equal installments.
- Sep 2021Series C$2.3M
- Jun 2019Series C$2.2M
- 2017Series B$1.9M
- Dec 2015Series A$2.2M
#6
Seed · Bergamo, Lombardy · founded 2018$3.8Mraised▾
App-based P2P crowdsourcing platform for SMEs. It is an online marketplace that enables SMEs to source funds for business activities as well as enables private investors to find and invest in interesting SMEs. It also offers traditional loans, equity loans, and bond loans. Its app is available for Android and iOS users.
- Jan 2023Conventional Debt—
- Oct 2022Seed$2.4M
- Jul 2022Seed$531.3K
- Sep 2020Seed$577.1K
#7
Seed · Milano, Provincia Di Perugia · founded 2020 · 24 employees$2.9Mraised▾
Online API-enabled AI-based platform offering credit assessment and lending-as-a-service solutions. It enables banks & financial institutions in retrieving customer data &transaction history, analyzes & predict spending patterns, evaluate creditworthiness, and more. It also enables financial institutions in providing loans to their customers along with customer onboarding, KYC verification, personalized loan tailoring, digital signature, and more.
- Oct 2022Seed$2.9M
#8
Acquired · Milan, Lombardy · founded 2019 · 41 employees$1.7Mraised▾
Provider of financing solutions for businesses. It identifies and presents various credit and financing options available in the market to support business growth. The company uses algorithms to anticipate a company's liquidity needs and match them with suitable financial incentives. It also provides support throughout the application and approval process.
- Aug 2022Series B$1.7M
#9
Seed · Trieste, Friuli Venezia Giulia · founded 2009 · 64 employees$1.4Mraised▾
Provider of credit ratings, ESG assessments, and risk management solutions. It offers credit ratings for businesses and banks, along with environmental, social, and governance (ESG) assessments. The company develops and provides risk management tools, including platforms for automating risk analysis, evaluating creditworthiness, and simulating financial scenarios. It caters to fintech companies, banks, financial institutions, investment firms, and businesses, offering integration via APIs and plug-and-play solutions.
- Jun 2021Grant (prize money)$343.8K
- Nov 2020Grant (prize money)$73.1K
- Jan 2019Grant (prize money)$57.3K
- May 2016Grant (prize money)$55.6K
#10
Series A · Milan, Lombardy · founded 2007 · 8 employees$4.9Mraised▾
Smartika offers an online lending platform for personal loans. It offers loans up to € 15,000. The loan term is up to 4 years. The investor's money is distributed to 50 applicants. Investors can invest from € 100 to € 100,000.
- Jan 2016Series A$4.9M
#11
Seed · Milan, Lombardy · founded 2012 · 103 employees$2.8Mraised▾
Online platform for business loans. It offers a marketplace that connects businesses with multiple financial institutions and banks for business loans. Users must add the required business information and apply for the loan. Once approved, the funds are transferred to the registered bank account. It features calculation tools for calculating installments, APRs, and depreciation.
- May 2017Seed$1.7M
- Dec 2015Seed$1.1M
#12
Seed · Brescia, Lombardy · founded 2015 · 10 employees$1.7Mraised▾
CashMere offers financing options to SMEs. As on February 2016 it is in private version.
- Sep 2018Seed$1.7M
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of Alternative Lending coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
Common questions
Rohit lives in the feed. He covers what's moving right now — the funding rounds, launches and shifts breaking across the trade press — and ties them back to where the sector is heading.