Change Capital provides an AI‑driven fintech platform that aggregates over 200 credit and government‑backed financing solutions for Italian SMEs, predicts their liquidity needs, and ranks the most suitable opportunities. Entrepreneurs enter their VAT number, receive a curated list of loans, grants, and tax credits with success‑rate scores, and are supported by a dedicated advisor through the entire application process.
Funding
Funding not disclosed
Founders
Product
Problem
Small and medium-sized enterprises (PMI) in Italy often struggle to identify, apply for, and secure appropriate credit lines and government‑backed financial incentives due to fragmented information, complex eligibility criteria, and limited access to specialized advisory support.
Solution
Change Capital offers an AI‑driven fintech platform that aggregates more than 200 credit and finance‑agevolata solutions, predicts a company’s liquidity needs, and ranks the most suitable opportunities. Users start by entering their VAT number, after which the system automatically retrieves public company data and runs proprietary algorithms to estimate funding gaps and success probabilities. The platform then presents a curated list of loans, grants, tax credits, and other incentives, allowing entrepreneurs to compare terms with a single click. A dedicated human advisor guides the client through the full application process, from documentation to final approval, ensuring a seamless end‑to‑end experience. All interactions are free to initiate, and the service integrates with open‑banking APIs for digital reporting and compliance.
Target Audience
Primary customers are Italian small and medium-sized enterprises seeking rapid, tailored access to credit lines, grants, or tax incentives, as well as their financial managers who require advisory support throughout the funding process.
Features
- AI‑powered engine that forecasts liquidity requirements and matches firms with the most relevant credit and agevolata programs
- Real‑time integration of public company registries to auto‑populate financial profiles without manual data entry
- Database of over 200 financing products, including EU, national, regional, and chamber‑of‑commerce grants and low‑interest loans
- Success‑rate scoring that quantifies the probability of approval for each opportunity
- Dedicated fintech advisor who assists throughout the application, documentation, and closing stages
- Open‑banking enabled digital reporting and compliance tools for grant rendicontazione
- Multi‑channel access via web dashboard and mobile‑optimized interface, with no registration required for initial search