What Our Members Say

The value of FINANZIARIA PROMOZIONE TERZIARIO S.C.P.A. is best measured through the experiences of the businesses we support. Our members represent a diverse cross-section of the tertiary sector, from retail and hospitality to professional services and logistics. Their feedback reflects the real impact that structured credit support and collective guarantees have on business growth and financial stability. We are proud of the relationships we have built and remain committed to delivering the same high standard of service to every member.

  • "As a retail business owner with limited property to offer as collateral, I had been repeatedly turned down by banks before joining this consortium. Within three months of membership, I had a €120,000 credit line approved at a rate I would not have believed possible. The advisory team guided me through every step and the documentation process was far simpler than I expected. I cannot overstate how much this has changed my ability to manage inventory and plan for seasonal demand."

    — Marco Dellavalle ★★★★★

  • "Our hospitality group had been struggling to finance a property renovation that we knew would significantly increase our revenue, but conventional bank financing kept stalling. FINANZIARIA PROMOZIONE TERZIARIO S.C.P.A. helped us structure a combined direct loan and collective guarantee arrangement that made the project viable. The relationship manager we were assigned understood our business model quickly and that made all the difference. We completed the renovation on schedule and occupancy has increased noticeably since."

    — Simona Ferretti ★★★★★

  • "I upgraded from the Starter to the Business plan after my first year and the difference in available support is substantial. The quarterly advisory sessions have helped me understand my company's financial position much more clearly and I make better decisions because of it. The credit monitoring service flagged a potential cash flow gap six weeks before it would have become a real problem, giving me time to act. I recommend this organisation to any SME owner who wants genuine financial partnership rather than just a product."

    — Roberto Marchini ★★★★☆

  • "We joined primarily for the collective guarantee access but have come to rely just as much on the market intelligence updates and the banking network introductions. Our sector is highly competitive and having access to better credit terms gives us a real operational advantage. The team is responsive, knowledgeable, and always straightforward about what is and is not possible. After two years of membership I feel significantly more financially secure than before."

    — Elena Tomasini ★★★★★

  • "The Corporate plan has been a strong fit for our group of three companies, which had previously managed financing separately and inefficiently. Consolidating our relationship through FINANZIARIA PROMOZIONE TERZIARIO S.C.P.A. gave us access to a much larger combined guarantee and the structured credit solutions the team put together saved us a meaningful amount in financing costs annually. Communication has always been clear and timely, and the annual review process is genuinely useful rather than just a formality."

    — Davide Conti ★★★★☆