Ronna provides a single API that helps credit providers and fintechs assess the financial health of Italian SMEs using verified fiscal data, electronic invoices, and payment behavior. The platform ingests signals from Italy's Sistema di Interscambio (SDI) and transforms them into standardized KPIs, risk signals, and credit profiles for faster underwriting decisions. Ronna is currently onboarding a small group of launch partners.
Funding
Funding not disclosed
Founders
Product
Problem
Credit providers and fintechs struggle to assess the financial health of Italian SMEs due to fragmented, unverified data sources and manual analysis processes. This leads to slower underwriting decisions and delayed detection of credit deterioration, increasing risk exposure for lenders.
Solution
Ronna offers a unified API that aggregates verified fiscal data, electronic invoices, and payment behavior from Italian SMEs into standardized KPIs, risk signals, and credit profiles. The platform leverages data from Italy's Sistema di Interscambio (SDI) to reveal operational insights such as invoice volumes, customer concentration, supplier diversity, payment terms, and overdue patterns. Ronna transforms these raw data points into actionable early-warning signals that help lenders detect credit deterioration earlier and make faster, more informed underwriting decisions through a single integration point.
Target Audience
Primary customers are credit providers, fintechs, and credit platforms that need efficient, data-driven underwriting for Italian SME lending.
Features
- Single API integration for accessing verified fiscal records, electronic invoices, and payment behavior data
- Early warning system that converts SDI invoice data into KPIs for detecting credit deterioration
- Standardized risk signals and credit profiles designed specifically for Italian SME lending
- Analysis of invoice volumes, customer concentration, supplier diversity, payment terms, and overdue patterns
- Automated data ingestion and transformation pipeline that reduces manual analysis effort