Solution Bank has fully subscribed for 25 million euros of securities issued by a vehicle company that acquires pro soluto commercial credits from Italian SMEs. For those who sell to other companies with delayed payments, the Pro Soluto Sale of commercial credits transforms invoices into cash without consuming bank funds and shifts the risk that the customer does not pay onto the buyer: one of the paths of alternative finance for SME credit.

The advantage attributed to Pro Soluto Sale, liquidity without new off-balance sheet debt, depends on the contract clauses: if the risks are still in the enterprise, the sold invoice continues to appear as a credit and the anticipated payment becomes a debt. In summary: the vehicle that acquires invoices is a cartelization company regulated by Law 130/1999, the same law that the annual PMI (Article 8 of L. n. 34/2026) has modified to favor the commercial warehousing cartarization. According to art. 3, comma 2, of the law, each operation's credits, related receivables, and acquired activities form a separate property from the vehicle's, which can act only on behalf of the holders of the securities.

In clear: the payments of SMEs' customers serve to reimburse those who have financed the acquisition of invoices and other creditors cannot attack them. CashMe manages the platform and oversees the selection of credits, the assessment of risks, and monitoring; Centotrenta Servicing is the master servicer, accounting agent, corporate servicer, and representative of the securities holders. Solution Bank's CEO, Frank Fogiel, describes the investment as 'a bit... The main advantage of Pro Soluto Sale is the ease of access to alternative credit for SMEs. This system allows them to obtain financing without having to negotiate with traditional banks or invest in stock certificates, offering a simpler and less costly alternative solution.

However, this method requires good planning and good communication between interested parties. SMEs must be sure that their payment factors have been assessed correctly and that risks have been identified adequately. At the same time, Solution Bank must ensure that contracts are well written and that risks are well understood by clients. The cartarization of commercial credits with Solution Bank and CashMe offers an effective alternative solution for SMEs, but also for other companies seeking alternative credit. This system allows them to obtain financing without having to negotiate with banks.