Underuse of Italian Public Incentives Highlights Advisory and Fintech Opportunity

According to a recent LinkedIn post from Bandosubito, a large majority of Italian companies may be leaving public funding opportunities untapped. The post cites data from the Registro Nazionale Aiuti indicating that only 1.28 million out of 4.4 million active Italian firms have accessed at least one public contribution between 2023 and today, despite about €80 billion in ordinary incentives disbursed in the same period.

The company’s LinkedIn post highlights a substantial disparity in benefits between occasional and frequent users of incentive schemes. It suggests that a typical firm accessing a single measure receives around €1,929, while companies leveraging five or more measures can reach approximately €125,000, implying that structured and continuous access to public funding may materially influence corporate liquidity and investment capacity.

The post further implies that the main barrier is not eligibility but a lack of information and ongoing support, emphasizing the role of advisors in building long-term funding strategies rather than merely identifying individual calls for grants. For investors, this could point to a sizable advisory and fintech-enabled opportunity in Italy’s facilitated finance segment, with potential recurring revenue models for platforms and consultants that help SMEs systematically tap into public incentives.

As shared in the post, the suggestion that discovery of funding opportunities can be automated while strategic guidance remains a human-driven activity may indicate a hybrid service approach for players in this niche. If Bandosubito is positioned within this ecosystem, increased awareness of underutilized funds and the need for continuous consulting could support demand for its services, potentially enhancing its growth prospects in the Italian corporate funding market.