Banking services for businesses and individuals

We operate at the service of the real economy, assisting companies in all their financial needs and offering “tailor-made” services to individuals.

Speed, simplicity and digital evolution: we know how to respond in the times required by the entrepreneur, we understand the needs of businesses, and we offer products and services to support small and medium-sized enterprises.

We believe in relations of trust: we don’t have counters, but sales offices and advanced digital services. We like to get to know our customers and build continuous and stable relationships over time. Our sales staff are proactive and motivated: they speak the same language as the entrepreneurs and offer customised solutions.

In addition to corporate activities, we provide services for retail customers. In 2008 we launched the Rendimax high-yield online savings account, and later also the Rendimax current account. Since 2018 we have been involved in consumer credit with Capitalfin Spa.

Our numbers

100,000

customer companies

26

commercial offices

Commercial and Corporate Banking

Our four areas of business are:

  • Trade Receivables: we offer trade receivables services to companies operating in Italy and abroad. We support the operating cycle with services ranging from the optimisation of financing sources for working capital, to support for investments in production activities.We also provide specialised services to companies operating in the pharma sector:
    • We support companies that supply the National Health Service and to whom amounts are due and that want to protect themselves from the risk of late payment, by selling without recourse;
    • Credifarma, controlled at 70% by Banca Ifis and at 30% by Federfarma, is the financial company of reference that offers credit to pharmacies.
  • Leasing: we offer financial, equipment and operational leasing solutions to small economic operators and SMEs;
  • Corporate and Investment Banking:
    • Structured Finance: support for companies and private equity funds in the structuring of financing, also in pools with other banks;
    • Special Situations: support for the financial rebalancing of companies that have overcome financial strain;
    • Equity Investments: equity investments in non-financial companies and investments in shares of intermediary organisations;
    • Financial Advisory: support for companies in extraordinary growth projects.
  •  Tax receivables: under the Fastfinance brand we focus on operations associated with tax receivables; we collect direct and indirect taxes and tax receivables either performing or arising from insolvency proceedings. We also purchase trade receivables from insolvency proceedings.

We support SMEs with specialised credit solutions

Banca Ifis supports SMEs with specialised credit solutions: factoring, leasing, medium and long-term financing and corporate finance. We have a long track record in a variety of sectors: logistics and transport, medical, agricultural, manufacturing, construction and food. We operate both in Italy and abroad, particularly in Eastern Europe, where we are present through Ifis Finance Sp. Z.o.o.

Credit but also business culture

From 2016 to date, we have devised various innovative projects to disseminate business culture. With the pioneering “Botteghe digitali”, which has also become a webseries, we have cultivated innovation in small craft shops. Thanks to the “Tour PMI” project, we have involved universities and businesses, encouraging young students to channel their best efforts and ideas at the service of SMEs. In May 2019, we launched the “Fattore I” which, for the first time, revealed the power of big data in the scenario of SMEs. By cross-referencing the balance sheet data of “Star SMEs” with the market trends found on the web, we selected the best stories of business performance, which are told in online and offline multimedia case histories.

Retail activities

Our retail collection tools:

  • Rendimax Conto Deposito
    It is a high-yield online solution for individuals and businesses launched on the market in 2008. It allows you to get high returns on your savings, with a secure and manageable account completely online. Rendimax Conto Deposito is the first savings account also designed for bankruptcy proceedings, with accounts available for receivers.
  • Rendimax Conto Corrente
    It is the high-yield current account of Banca Ifis, launched in 2013: simple and low cost, it is a transparent savings tool which offers various fixed solutions based on the customer’s needs.
  • Capitalfin Services
    We entered the consumer credit sector in 2018, acquiring 100% of Capitalfin, a financial broker specialising in salary/pension backed loans. Capitalfin is also active in payment authorisation and the distribution of financial products for private individuals.