Divestment with Recourse

“focus on core business”

  • Outsourced management and assessment of your company's customers.
  • Converting fixed management costs to variable costs and collecting receivables.
  • Possibility of additional credit, directly proportionate to sales volumes.

The “Divestment with Recourse” service primarily targets small/medium-sized companies which have growing turnover and the need to monetise their receivables, have a seasonal business or were established recently.


Mediocredito Italiano offers an effective outsourcing solution to manage receivables and their immediate advance payment, if requested. The assessment and outsourced management of your company's customers favours the possibility of focusing the strengths on the corporate core business. Mediocredito Italiano performs a detailed assessment and undertakes to manage all of your company's receivables. Professional credit management assures that the current fixed costs of your company's internal administration department are substituted with variable costs, adapting these variable costs to the quantity of the receivables actually managed.


Mediocredito Italiano is able to anticipate the amount of the credits purchased, on request, based on a percentage to be agreed (generally 80%), thereby improving your company's liquidity without reducing the credit capacity in relation to the banking system.
Mediocredito Italiano manages the collection of assigned receivables directly.


Advertising message. For details of the contractual terms of the products and services offered in Italy, please refer to the Fact Sheets available in Mediocredito Italiano’s Branches and on its internet site as well as in the Branches and on the internet sites of the Intesa Sanpaolo Group Banks that offer Mediocredito Italiano’s products and services.

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