The strength of the model — and its legal soundness — rests on one actor: the authorised financial partner, a credit mediation company registered in the registers held by the OAM, the Italian body that supervises credit agents and mediators.
All reserved activities belong to the partner: collecting the application, assessing creditworthiness, approving and disbursing. This page explains who the partner is and why that protects your clinic.
An OAM-registered credit mediator
The financial partner is a credit mediation company registered in the OAM registers, as required by Italian banking law (Legislative Decree 385/1993, as reformed by Legislative Decree 141/2010). Registration means verified capital requirements, fit-and-proper standards, professional insurance and ongoing supervision.
For your clinic this is the single most important safeguard: the credit side of the operation is run by an entity that is authorised, supervised and accountable for it.
The product: a personal loan requested by the patient
The instrument is a personal loan requested by the Italian-resident patient directly from the partner. It is not a loan taken out by your clinic, and it is not a debt your clinic carries: the contract exists exclusively between the patient and the partner.
Once the partner has disbursed the funds to the patient, the patient pays your clinic for the treatment plan — with the traceable payment that also supports the patient's tax documentation.
Your clinic stays outside the credit perimeter
Your clinic does not assess creditworthiness, does not approve anything and does not collect the patient's credit data. It plays the role the law assigns to the contracted supplier: promoting the availability of financing for its own services, under Article 12(1)(a) of Legislative Decree 141/2010.
Our consultancy sits on the same side: we work for the clinic, on the agreement, the training and the procedures. Neither we nor your staff ever enter the credit relationship.
The legal basis, in plain terms
Article 12(1)(a) of Legislative Decree 141/2010 allows a supplier of goods or services to promote and conclude financing contracts solely for the purchase of its own goods or services, on the basis of agreements with banks or authorised financial intermediaries — without any registration of its own.
This is the same structure behind the thousands of dental practices in Italy that offer financing at the front desk. Your clinic in Albania applies it to its Italian patients through the direct agreement our consultancy prepares.
Our role, clearly defined
Credit assessment and disbursement of the financing are the exclusive responsibility of the authorised financial partner. The service is reserved for clinics, not for patients.
No outcome is guaranteed. Approval, rates and disbursement times are determined exclusively by the partner, application by application.
FAQ
The partner is a credit mediation company registered in the OAM registers, operating with banks and financial intermediaries. What matters for your clinic is the substance: an authorised, supervised entity handles the entire credit relationship with the patient.
In Italy, credit mediation is a reserved activity: only registered entities may carry it out. Working with an OAM-registered partner means every reserved activity — application handling, assessment, disbursement — sits with an entity that is legally entitled and supervised to perform it.
Exclusively the patient and the financial partner. Your clinic is not a party to the loan contract, and neither are we. The clinic's role is that of contracted supplier of the treatment being financed.
We present the partner structure and commercial terms during the free analysis, once we understand your clinic's situation. This protects both sides: detailed terms are discussed with clinics that are actually eligible, not published online.
The repayment relationship exists exclusively between the patient and the financial partner. Your clinic is paid for its services and is not involved in the loan's life cycle.