@font-face{font-family:'Fraunces';src:url('https://creditore.it/wp-content/uploads/wca-bridge-managed/fonts/fraunces-500.woff2') format('woff2');font-weight:400 500;font-style:normal;font-display:swap}@font-face{font-family:'Fraunces';src:url('https://creditore.it/wp-content/uploads/wca-bridge-managed/fonts/fraunces-600.woff2') format('woff2');font-weight:600;font-style:normal;font-display:swap}@font-face{font-family:'Fraunces';src:url('https://creditore.it/wp-content/uploads/wca-bridge-managed/fonts/fraunces-700.woff2') format('woff2');font-weight:700;font-style:normal;font-display:swap}@font-face{font-family:'Fraunces';src:url('https://creditore.it/wp-content/uploads/wca-bridge-managed/fonts/fraunces-500i.woff2') format('woff2');font-weight:500;font-style:italic;font-display:swap}@font-face{font-family:'IBM Plex Sans';src:url('https://creditore.it/wp-content/uploads/wca-bridge-managed/fonts/plex-400.woff2') format('woff2');font-weight:400;font-style:normal;font-display:swap}@font-face{font-family:'IBM Plex Sans';src:url('https://creditore.it/wp-content/uploads/wca-bridge-managed/fonts/plex-500.woff2') format('woff2');font-weight:500;font-style:normal;font-display:swap}@font-face{font-family:'IBM Plex Sans';src:url('https://creditore.it/wp-content/uploads/wca-bridge-managed/fonts/plex-600.woff2') format('woff2');font-weight:600;font-style:normal;font-display:swap}@font-face{font-family:'IBM Plex Sans';src:url('https://creditore.it/wp-content/uploads/wca-bridge-managed/fonts/plex-700.woff2') format('woff2');font-weight:700;font-style:normal;font-display:swap}
:root{
--navy:#0e2438;--navy-2:#16334d;--navy-3:#1e405f;
--ottone:#c8903f;--ottone-2:#a06f2e;--ottone-soft:#ecd9b4;
--avorio:#f6f3ec;--avorio-2:#efeadf;--panna:#ece7db;
--ink:#14232f;--muted:#5f6b73;--bordo:#e3ddcf;--bordo-scuro:rgba(255,255,255,.13);
--maxw:1240px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:"IBM Plex Sans",system-ui,sans-serif;background:var(--avorio);color:var(--ink);line-height:1.62;-webkit-font-smoothing:antialiased;overflow-x:hidden}
h1,h2,h3,h4{font-family:"Fraunces",Georgia,serif;line-height:1.06;letter-spacing:-.02em;font-weight:600}
a{color:inherit;text-decoration:none;transition:color .3s ease-out}
img{max-width:100%;display:block}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 26px}
.eyebrow{font-size:13px;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:var(--ottone-2)}
.btn{display:inline-flex;align-items:center;gap:11px;padding:17px 34px;font-family:"IBM Plex Sans";font-weight:700;font-size:14px;letter-spacing:.1em;text-transform:uppercase;border-radius:0;border:1px solid transparent;cursor:pointer;transition:all .3s ease-out}
.btn svg{width:17px;height:17px}
.btn-primary{background:var(--ottone);color:var(--navy)}
.btn-primary:hover,.btn-primary:focus-visible{background:var(--ottone-2);transform:translateY(-2px);box-shadow:0 14px 34px -10px rgba(160,111,46,.55);outline:none}
.btn-ink{background:transparent;border:1px solid var(--ink);color:var(--ink)}
.btn-ink:hover,.btn-ink:focus-visible{background:var(--ink);color:var(--avorio);outline:none}
.btn-ghost{background:transparent;border:1px solid rgba(255,255,255,.42);color:#fff}
.btn-ghost:hover,.btn-ghost:focus-visible{background:#fff;color:var(--navy);transform:translateY(-2px);outline:none}
:focus-visible{outline:2px solid var(--ottone);outline-offset:3px}
@media(prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important;scroll-behavior:auto!important}}/* HEADER — identico alla home, trasparente sopra l'hero scuro */
header{position:absolute;top:0;left:0;right:0;z-index:40}
.nav{display:flex;align-items:center;justify-content:space-between;height:82px}
.logo{font-family:"Fraunces";font-weight:700;font-size:24px;letter-spacing:-.02em;color:#fff;display:flex;align-items:center;gap:10px}
.logo .dot{width:11px;height:11px;background:var(--ottone);border-radius:50%}
.menu{display:flex;align-items:center;gap:30px}
.menu a{font-size:15px;font-weight:500;color:rgba(255,255,255,.86);position:relative;padding:6px 0}
.menu a::after{content:"";position:absolute;left:0;bottom:0;width:0;height:2px;background:var(--ottone);transition:width .3s ease-out}
.menu a:hover::after,.menu a:focus::after,.menu a[aria-current="page"]::after{width:100%}
.menu a:hover,.menu a[aria-current="page"]{color:#fff}
.nav-tel{display:inline-flex;align-items:center;gap:8px;font-weight:600;color:#fff;border:1px solid var(--bordo-scuro);padding:10px 18px}
.nav-tel:hover,.nav-tel:focus-visible{border-color:var(--ottone);color:var(--ottone-soft);outline:none}
.nav-tel svg{width:17px;height:17px}
.burger{display:none;background:none;border:0;cursor:pointer;padding:8px}
.burger span{display:block;width:26px;height:2px;background:#fff;margin:5px 0;transition:.3s}/* 1 · HERO — split a colonne: testo su navy a sx, foto a filo colonna a dx (senza cornice/chip: layout proprio) */
.fhero{position:relative;background:var(--navy);color:#fff;overflow:hidden}
.fhero::before{content:"";position:absolute;left:-10%;bottom:-24%;width:52vw;height:52vw;max-width:680px;max-height:680px;background:radial-gradient(circle,rgba(200,144,63,.12) 0%,rgba(200,144,63,0) 64%);pointer-events:none}
.fhero .grid{position:relative;z-index:2;display:grid;grid-template-columns:1.06fr .94fr;gap:60px;align-items:center;min-height:90vh;padding-top:120px;padding-bottom:80px}
.crumb{display:flex;flex-wrap:wrap;align-items:center;gap:9px;font-size:13px;color:rgba(236,231,219,.74);margin-bottom:26px}.crumb a{padding:3px 2px !important;margin:-3px -2px !important;display:inline-flex !important;align-items:center !important}
.crumb a{color:rgba(236,231,219,.74)}
.crumb a:hover{color:var(--ottone-soft)}
.crumb .sep{color:var(--ottone);font-size:12px}
.crumb .cur{color:var(--ottone-soft)}
.fhero .eyebrow{color:var(--ottone-soft)}
.fhero h1{font-size:clamp(40px,5.4vw,62px);color:#fff;margin:16px 0 22px;line-height:1.02;max-width:16ch}
.fhero .answer{font-size:clamp(17px,1.5vw,19.5px);color:#dbe2e8;max-width:52ch;margin-bottom:32px;line-height:1.6}
.fhero .answer b{color:#fff;font-weight:600}
.fhero .cta{display:flex;flex-wrap:wrap;align-items:center;gap:16px 24px}
.fhero .tel-inline{display:inline-flex;align-items:center;gap:11px;font-weight:600;color:#fff}
.fhero .tel-inline svg{width:20px;height:20px;color:var(--ottone-soft);flex-shrink:0}
.fhero .tel-inline b{display:block;font-family:"Fraunces";font-size:17px;letter-spacing:-.01em}
.fhero .tel-inline span{display:block;font-size:12.5px;color:#9fb0bd;font-weight:500}
.fhero .assur{display:flex;flex-wrap:wrap;gap:12px 28px;margin-top:40px;padding-top:26px;border-top:1px solid rgba(255,255,255,.16)}
.fhero .assur .it{display:flex;align-items:center;gap:10px;font-size:13.5px;color:#c9d3dc}
.fhero .assur svg{width:19px;height:19px;color:var(--ottone);flex-shrink:0}
.fhero .shot{position:relative;align-self:stretch;min-height:clamp(360px,54vh,600px);overflow:hidden}
.fhero .shot img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:50% 40%;transition:transform 1.1s ease-out}
.fhero .shot:hover img{transform:scale(1.05)}
.fhero .shot::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(14,36,56,.12) 0%,rgba(9,20,32,.14) 60%,rgba(9,20,32,.72) 100%)}
.fhero .shot .cap{position:absolute;left:0;bottom:0;z-index:2;background:var(--navy);color:var(--panna);font-size:12.5px;padding:10px 16px;letter-spacing:.02em}/* 2 · QUALI CREDITI TRATTIAMO (FIRMA) — listino editoriale a righe con aliquota-protagonista, non-card */
.cred{padding:110px 0;background:var(--avorio)}
.cred .head{max-width:64ch;margin-bottom:12px}
.cred .head h2{font-size:clamp(30px,4vw,46px);color:var(--navy);margin:14px 0 16px}
.cred .head p{font-size:18px;color:var(--muted);max-width:60ch}
.listino{margin-top:40px;border-top:1px solid var(--bordo)}
.crow2{display:grid;grid-template-columns:minmax(112px,150px) 1fr minmax(150px,190px);gap:34px;align-items:center;padding:28px 24px 28px 0;border-bottom:1px solid var(--bordo);transition:background .3s ease-out,padding-left .3s ease-out}
.crow2:hover,.crow2:focus-within{background:var(--avorio-2);padding-left:20px}
.crow2 .ali{font-family:"Fraunces";font-size:clamp(34px,4.2vw,50px);font-weight:600;color:var(--ottone);line-height:.9;letter-spacing:-.02em}
.crow2 .ali small{display:block;font-family:"IBM Plex Sans";font-size:11px;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:var(--ottone-2);margin-top:8px}
.crow2 .desc h3{font-size:21px;color:var(--navy);margin-bottom:5px}
.crow2 .desc p{font-size:15px;color:var(--muted);max-width:56ch}
.crow2 .stato{font-size:13px;color:var(--navy);text-align:right}
.crow2 .stato .tag{display:inline-block;font-size:11.5px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--ottone-2);border:1px solid var(--bordo);padding:5px 11px;background:#fff}
.crow2 .stato .an{display:block;margin-top:8px;font-size:12.5px;color:var(--muted)}
.cred .stock{margin-top:34px;display:flex;gap:14px;align-items:flex-start;font-size:14.5px;color:var(--muted);background:var(--avorio-2);padding:22px 24px;border-left:3px solid var(--ottone)}
.cred .stock svg{width:22px;height:22px;color:var(--ottone-2);flex-shrink:0;margin-top:2px}
.cred .stock b{color:var(--navy);font-weight:600}/* 3 · COME FUNZIONA — process rail orizzontale: binario continuo dietro 4 nodi, l'incasso è il traguardo (layout proprio) */
.rail{padding:112px 0;background:var(--navy);color:var(--panna)}
.rail .eyebrow{color:var(--ottone)}
.rail .head{max-width:60ch;margin-bottom:16px}
.rail .head h2{font-size:clamp(30px,4vw,46px);color:#fff;margin:14px 0 16px;max-width:22ch}
.rail .head p{font-size:18px;color:#aab6c0;max-width:58ch}
.track{position:relative;display:grid;grid-template-columns:repeat(4,1fr);gap:30px;margin-top:64px}
.track::before{content:"";position:absolute;left:28px;right:28px;top:27px;height:2px;background:linear-gradient(90deg,rgba(200,144,63,.35) 0%,var(--ottone) 100%);z-index:0}
.step{position:relative;z-index:1}
.step .nodo{width:56px;height:56px;border-radius:50%;border:2px solid var(--ottone);background:var(--navy);display:flex;align-items:center;justify-content:center;font-family:"Fraunces";font-size:21px;font-weight:600;color:var(--ottone-soft);transition:all .3s ease-out}
.step:hover .nodo{background:var(--ottone);color:var(--navy);transform:translateY(-3px)}
.step.goal .nodo{background:var(--ottone);color:var(--navy);border-color:var(--ottone)}
.step.goal .nodo svg{width:24px;height:24px}
.step h3{font-size:20px;color:#fff;margin:22px 0 10px}
.step.goal h3{color:var(--ottone-soft)}
.step p{font-size:15px;color:#aab6c0;max-width:34ch}
.step .flag{display:inline-flex;align-items:center;gap:8px;margin-top:14px;font-family:"Fraunces";font-size:13.5px;font-weight:600;color:var(--ottone-soft)}
.step .flag svg{width:16px;height:16px;color:var(--ottone)}
.rail .note{margin-top:56px;display:flex;gap:14px;align-items:flex-start;font-size:14.5px;color:#9fb0bd;border-top:1px solid var(--bordo-scuro);padding-top:26px;max-width:82ch}
.rail .note svg{width:22px;height:22px;color:var(--ottone);flex-shrink:0;margin-top:2px}
.rail .note b{color:#fff}/* 4 · COSA SERVE — la qualità che fa il prezzo: foto a sx + checklist a dx con indice d'incidenza (layout proprio) */
.qual{padding:110px 0;background:var(--avorio)}
.qual .row{display:grid;grid-template-columns:.82fr 1.18fr;gap:62px;align-items:start}
.qual .media{position:relative;aspect-ratio:3/4;overflow:hidden;position:sticky;top:104px}
.qual .media img{width:100%;height:100%;object-fit:cover;transition:transform .8s ease-out}
.qual .media:hover img{transform:scale(1.05)}
.qual .media .fig{position:absolute;left:0;bottom:0;background:var(--navy);color:var(--panna);font-size:12.5px;padding:10px 15px;letter-spacing:.02em;max-width:88%}
.qual .head{margin-bottom:26px}
.qual .head h2{font-size:clamp(30px,3.8vw,44px);color:var(--navy);margin:13px 0 16px;max-width:22ch}
.qual .head p{font-size:17.5px;color:var(--muted);max-width:54ch}
.qitem{display:grid;grid-template-columns:44px 1fr auto;gap:20px;padding:26px 0;border-top:1px solid var(--bordo);align-items:start}
.qitem:last-of-type{border-bottom:1px solid var(--bordo)}
.qitem>svg{width:34px;height:34px;color:var(--ottone-2);stroke-width:1.5;margin-top:3px}
.qitem .qt h3{font-size:19.5px;color:var(--navy);margin-bottom:7px}
.qitem .qt p{font-size:15px;color:var(--muted);max-width:52ch}
.qitem .qt p b{color:var(--navy);font-weight:600}
.qitem .inc{text-align:right;white-space:nowrap;padding-top:3px}
.qitem .inc .lv{font-family:"IBM Plex Sans";font-size:11px;font-weight:700;letter-spacing:.11em;text-transform:uppercase;color:var(--ottone-2)}
.qitem .inc .bars{display:flex;gap:4px;justify-content:flex-end;margin-top:8px}
.qitem .inc .bars i{width:8px;height:8px;background:var(--bordo)}
.qitem .inc .bars i.on{background:var(--ottone)}
.qual .after{margin-top:34px;font-size:15px;color:var(--muted);border-left:2px solid var(--ottone);padding-left:20px;max-width:60ch}
.qual .after b{color:var(--navy)}/* 5 · QUANTO VALE — numero grande + scala/gauge 0→100 con la fascia 60-92 evidenziata (onestà, layout proprio) */
.scala{padding:114px 0;background:var(--navy);color:var(--panna)}
.scala .head{max-width:62ch}
.scala .eyebrow{color:var(--ottone)}
.scala .head h2{font-size:clamp(30px,4vw,46px);color:#fff;margin:14px 0 14px;max-width:22ch}
.scala .head p{font-size:18px;color:#aab6c0;max-width:60ch}
.scala .big{font-family:"Fraunces";font-size:clamp(72px,12vw,150px);font-weight:600;color:#fff;line-height:.9;letter-spacing:-.03em;margin:44px 0 8px}
.scala .big span{color:var(--ottone-soft)}
.scala .bigsub{font-size:14px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--ottone-soft);margin-bottom:44px}
.gauge{position:relative;margin-top:10px}
.gauge .bar{position:relative;height:16px;background:rgba(255,255,255,.11);overflow:hidden}
.gauge .bar .fill{position:absolute;top:0;bottom:0;left:60%;right:8%;background:linear-gradient(90deg,var(--ottone-2),var(--ottone) 55%,var(--ottone-soft));}
.gauge .ticks{display:flex;justify-content:space-between;margin-top:12px;font-size:12px;color:#8f9ba5;font-weight:500}
.gauge .marks{position:relative;height:26px;margin-top:6px}
.gauge .mk{position:absolute;transform:translateX(-50%);text-align:center}
.gauge .mk .v{font-family:"Fraunces";font-size:18px;font-weight:600;color:var(--ottone-soft);line-height:1}
.gauge .mk .l{display:block;font-size:11px;color:#9fb0bd;margin-top:3px;white-space:nowrap}
.gauge .mk.lo{left:60%}
.gauge .mk.hi{left:92%}
.scala .legend{display:grid;grid-template-columns:1fr 1fr;gap:26px;margin-top:64px}
.scala .lg{border-top:2px solid var(--ottone);padding-top:18px}
.scala .lg h3{font-size:19px;color:#fff;margin-bottom:8px}
.scala .lg p{font-size:15px;color:#aab6c0;max-width:44ch}
.scala .disc{margin-top:44px;display:flex;gap:14px;align-items:flex-start;font-size:14.5px;color:#cdd6df;border-left:3px solid var(--ottone);padding:6px 0 6px 20px;max-width:80ch}
.scala .disc b{color:#fff}/* 6 · FAQ — accordion a sx + colonna foto/nota/micro-CTA a dx (variante propria, specchiata rispetto alle sorelle) */
.faq{padding:106px 0;background:var(--avorio-2)}
.faq .row{display:grid;grid-template-columns:1.24fr .76fr;gap:60px;align-items:start}
.faq .head{margin-bottom:20px}
.faq .head h2{font-size:clamp(30px,3.8vw,44px);color:var(--navy);margin-top:14px;max-width:20ch}
.qa{border-top:1px solid var(--bordo)}
.qa:last-child{border-bottom:1px solid var(--bordo)}
.qa summary{cursor:pointer;list-style:none;padding:26px 0;display:flex;justify-content:space-between;align-items:center;gap:20px;font-family:"Fraunces";font-size:20px;font-weight:500;color:var(--navy);transition:color .3s}
.qa summary::-webkit-details-marker{display:none}
.qa summary:hover{color:var(--ottone-2)}
.qa .ico{width:26px;height:26px;flex-shrink:0;position:relative}
.qa .ico::before,.qa .ico::after{content:"";position:absolute;background:var(--ottone-2);transition:.3s}
.qa .ico::before{top:12px;left:2px;width:22px;height:2px}
.qa .ico::after{top:2px;left:12px;width:2px;height:22px}
.qa[open] .ico::after{transform:rotate(90deg);opacity:0}
.qa .ans{padding:0 40px 28px 0;color:var(--muted);font-size:16px;max-width:70ch}
.qa .ans b{color:var(--navy);font-weight:600}
.faq .aside{position:sticky;top:104px}
.faq .aside .ph{position:relative;aspect-ratio:4/5;overflow:hidden}
.faq .aside .ph img{width:100%;height:100%;object-fit:cover;transition:transform .8s ease-out}
.faq .aside .ph:hover img{transform:scale(1.05)}
.faq .aside .ph .fig{position:absolute;left:0;bottom:0;background:var(--navy);color:var(--panna);font-size:12px;padding:9px 14px;letter-spacing:.02em;max-width:92%}
.faq .aside .ask{margin-top:22px;background:var(--navy);color:#fff;padding:26px 24px}
.faq .aside .ask h3{font-size:19px;color:#fff;margin-bottom:8px}
.faq .aside .ask p{font-size:14px;color:#aab6c0;margin-bottom:18px}
.faq .aside .ask a{display:inline-flex;align-items:center;gap:9px;font-weight:700;font-size:13px;letter-spacing:.09em;text-transform:uppercase;color:var(--ottone-soft)}
.faq .aside .ask a svg{width:18px;height:18px;transition:transform .3s ease-out}
.faq .aside .ask a:hover svg{transform:translateX(5px)}/* 7 · FORM CEDENTE (marketplace-ready) — split navy + form, impianto coerente con le sorelle */
.richiesta{background:var(--navy);color:var(--panna)}
.rq-grid{display:grid;grid-template-columns:.9fr 1.1fr;min-height:100%}
.rq-left{padding:100px 56px 100px 0}
.rq-left .eyebrow{color:var(--ottone)}
.rq-left h2{color:#fff;font-size:clamp(30px,4vw,46px);margin:14px 0 20px}
.rq-left .lead{color:#aab6c0;font-size:17.5px;margin-bottom:30px;max-width:44ch}
.rq-left .mk{display:flex;gap:13px;align-items:flex-start;padding:20px 22px;background:rgba(255,255,255,.05);border-left:3px solid var(--ottone);margin-bottom:30px}
.rq-left .mk svg{width:22px;height:22px;color:var(--ottone);flex-shrink:0;margin-top:2px}
.rq-left .mk p{font-size:14.5px;color:#c9d3dc}
.rq-left .mk b{color:#fff;font-weight:600}
.cont-canale{display:flex;gap:15px;align-items:center;padding:18px 0;border-top:1px solid var(--bordo-scuro)}
.cont-canale svg{width:23px;height:23px;color:var(--ottone);flex-shrink:0}
.cont-canale b{color:#fff;font-size:17px;display:block}
.cont-canale span{font-size:13.5px;color:#8f9ba5}
.rq-right{background:var(--avorio);padding:52px;color:var(--ink);align-self:center}
.rq-right .ftit{font-family:"Fraunces";font-size:23px;font-weight:600;color:var(--navy);margin-bottom:6px}
.rq-right .fsub{font-size:14px;color:var(--muted);margin-bottom:26px}
.field{margin-bottom:18px}
.field.full{grid-column:1/-1}
.field label{display:block;font-size:13.5px;font-weight:600;margin-bottom:7px;color:var(--navy)}
.field .opt{color:var(--muted);font-weight:500;text-transform:none;letter-spacing:0}
.field input,.field select{width:100%;padding:14px 16px;border:1px solid var(--bordo);background:#fff;font-family:inherit;font-size:15px;color:var(--ink);transition:border-color .3s;border-radius:0}
.field input:focus,.field select:focus{outline:none;border-color:var(--ottone)}
.field-2{display:grid;grid-template-columns:1fr 1fr;gap:0 18px}
.fsec{font-size:11.5px;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:var(--ottone-2);margin:26px 0 14px;padding-bottom:8px;border-bottom:1px solid var(--bordo)}
.fsec:first-of-type{margin-top:0}
.rq-note{font-size:12.5px;color:var(--muted);margin-bottom:20px;line-height:1.55;background:var(--avorio-2);padding:14px 16px;border-left:3px solid var(--ottone)}
.consenso{display:flex;gap:10px;font-size:12.5px;color:var(--muted);margin-bottom:22px;line-height:1.5}
.consenso input{margin-top:3px;flex-shrink:0}/* FOOTER — identico alla home */
footer{background:#0a1a29;color:#8f9ba5;padding:74px 0 34px}
.foot-grid{display:grid;grid-template-columns:1.7fr 1fr 1fr;gap:44px;padding-bottom:46px;border-bottom:1px solid var(--bordo-scuro)}
.foot-brand .logo{color:#fff;margin-bottom:17px}
.foot-brand p{font-size:14.5px;max-width:40ch;line-height:1.62}
footer h4{font-family:"IBM Plex Sans";font-size:13px;letter-spacing:.13em;text-transform:uppercase;color:#fff;margin-bottom:17px;font-weight:600}
footer ul{list-style:none}
footer li{margin-bottom:11px;font-size:14.5px}
footer li a:hover{color:var(--ottone)}
.foot-bottom{padding-top:26px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;font-size:12.5px}
.foot-bottom .piva strong{color:#aab6c0}
.demo{color:var(--ottone-soft)}/* ===== TABLET ≤920 (copre 768) ===== */
@media(max-width:920px){
.fhero .grid{grid-template-columns:1fr;gap:0;min-height:0;padding-top:128px;padding-bottom:0}
.fhero .shot{order:2;min-height:0;aspect-ratio:16/10;margin:44px -26px 0;width:calc(100% + 52px)}
.cred .head{margin-bottom:8px}
.crow2{grid-template-columns:minmax(96px,120px) 1fr;gap:22px 26px;padding:26px 0}
.crow2:hover,.crow2:focus-within{padding-left:0}
.crow2 .stato{grid-column:2/3;text-align:left}
.crow2 .stato .an{margin-top:6px}
.track{grid-template-columns:1fr;gap:0;margin-top:44px}
.track::before{left:27px;right:auto;top:20px;bottom:34px;width:2px;height:auto}
.step{display:grid;grid-template-columns:56px 1fr;gap:22px;padding:18px 0}
.step h3{margin-top:0;padding-top:12px}
.step p,.step .flag{grid-column:2/3}
.qual .row{grid-template-columns:1fr;gap:40px}
.qual .media{position:relative;top:0;aspect-ratio:16/10;max-height:420px}
.qitem{grid-template-columns:40px 1fr;gap:16px}
.qitem .inc{grid-column:2/3;text-align:left}
.qitem .inc .bars{justify-content:flex-start}
.scala .legend{grid-template-columns:1fr}
.faq .row{grid-template-columns:1fr;gap:40px}
.faq .aside{position:relative;top:0;display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:start}
.faq .aside .ph{aspect-ratio:4/5}
.faq .aside .ask{margin-top:0}
.rq-grid{grid-template-columns:1fr}
.rq-left{padding:80px 0 40px}
.rq-right{padding:40px}
.foot-grid{grid-template-columns:1fr 1fr}
.foot-brand{grid-column:1/-1}
}
/* ===== MOBILE ≤640 (copre 375) ===== */
@media(max-width:640px){
.menu,.nav-tel{display:none}
.burger{display:block}
.fhero .grid{padding-top:112px}
.fhero .shot{aspect-ratio:4/3;margin-top:38px}
.fhero .assur{gap:10px 20px;margin-top:32px}
.crumb{font-size:12.5px;margin-bottom:22px}
.cred,.rail,.qual,.scala,.faq{padding:66px 0}
.crow2 .ali{font-size:38px}
.qitem{grid-template-columns:1fr;gap:12px}
.qitem>svg{margin-top:0}
.gauge .mk .l{white-space:normal;max-width:12ch}
.faq .aside{grid-template-columns:1fr}
.rq-left{padding:56px 0 30px}
.rq-right{padding:30px 24px}
.field-2{grid-template-columns:1fr;gap:0}
.foot-grid{grid-template-columns:1fr}
}
.e-con{width:auto !important;display:block !important;padding:0 !important}img{max-width:100% !important;display:block !important;height:auto}.wrap{max-width:1240px !important;margin:0 auto !important;padding:0 26px !important}/* parallele auto-generate dal CSS del mockup (ripristino post-reset atomic) */img{max-width:100% !important}img.e-con{max-width:100% !important}.wrap{max-width:var(--maxw) !important;margin:0 auto !important;padding:0 26px !important}.wrap.e-con{max-width:var(--maxw) !important;margin:0 auto !important;padding:0 26px !important}.btn{display:inline-flex !important;align-items:center !important;gap:11px !important;padding:17px 34px !important}.btn.e-con{display:inline-flex !important;align-items:center !important;gap:11px !important;padding:17px 34px !important}.btn svg{width:17px !important;height:17px !important}.btn svg.e-con{width:17px !important;height:17px !important}.nav{display:flex !important;align-items:center !important;justify-content:space-between !important;height:82px !important}.nav.e-con{display:flex !important;align-items:center !important;justify-content:space-between !important;height:82px !important}.logo{display:flex !important;align-items:center !important;gap:10px !important}.logo.e-con{display:flex !important;align-items:center !important;gap:10px !important}.logo .dot{width:11px !important;height:11px !important}.logo .dot.e-con{width:11px !important;height:11px !important}.menu{display:flex !important;align-items:center !important;gap:30px !important}.menu.e-con{display:flex !important;align-items:center !important;gap:30px !important}.menu a{padding:6px 0 !important}.menu a.e-con{padding:6px 0 !important}.menu a::after{width:0 !important;height:2px !important}.menu a:hover::after,.menu a:focus::after,.menu a[aria-current="page"]::after{width:100% !important}.nav-tel{display:inline-flex !important;align-items:center !important;gap:8px !important;padding:10px 18px !important}.nav-tel.e-con{display:inline-flex !important;align-items:center !important;gap:8px !important;padding:10px 18px !important}.nav-tel svg{width:17px !important;height:17px !important}.nav-tel svg.e-con{width:17px !important;height:17px !important}.burger{padding:8px !important}.burger.e-con{padding:8px !important}.burger span{width:26px !important;height:2px !important;margin:5px 0 !important}.burger span.e-con{width:26px !important;height:2px !important;margin:5px 0 !important}.fhero::before{width:52vw !important;height:52vw !important;max-width:680px !important}.fhero .grid{display:grid !important;grid-template-columns:1.06fr .94fr !important;gap:60px !important;align-items:center !important;min-height:90vh !important;padding-top:120px !important;padding-bottom:80px !important}.fhero .grid.e-con{display:grid !important;grid-template-columns:1.06fr .94fr !important;gap:60px !important;align-items:center !important;min-height:90vh !important;padding-top:120px !important;padding-bottom:80px !important}.crumb{display:flex !important;flex-wrap:wrap !important;align-items:center !important;gap:9px !important;margin-bottom:26px !important}.crumb.e-con{display:flex !important;flex-wrap:wrap !important;align-items:center !important;gap:9px !important;margin-bottom:26px !important}.fhero h1{margin:16px 0 22px !important;max-width:16ch !important}.fhero h1.e-con{margin:16px 0 22px !important;max-width:16ch !important}.fhero .answer{max-width:52ch !important;margin-bottom:32px !important}.fhero .answer.e-con{max-width:52ch !important;margin-bottom:32px !important}.fhero .cta{display:flex !important;flex-wrap:wrap !important;align-items:center !important;gap:16px 24px !important}.fhero .cta.e-con{display:flex !important;flex-wrap:wrap !important;align-items:center !important;gap:16px 24px !important}.fhero .tel-inline{display:inline-flex !important;align-items:center !important;gap:11px !important}.fhero .tel-inline.e-con{display:inline-flex !important;align-items:center !important;gap:11px !important}.fhero .tel-inline svg{width:20px !important;height:20px !important}.fhero .tel-inline svg.e-con{width:20px !important;height:20px !important}.fhero .assur{display:flex !important;flex-wrap:wrap !important;gap:12px 28px !important;margin-top:40px !important;padding-top:26px !important}.fhero .assur.e-con{display:flex !important;flex-wrap:wrap !important;gap:12px 28px !important;margin-top:40px !important;padding-top:26px !important}.fhero .assur .it{display:flex !important;align-items:center !important;gap:10px !important}.fhero .assur .it.e-con{display:flex !important;align-items:center !important;gap:10px !important}.fhero .assur svg{width:19px !important;height:19px !important}.fhero .assur svg.e-con{width:19px !important;height:19px !important}.fhero .shot{min-height:clamp(360px,54vh,600px) !important}.fhero .shot.e-con{min-height:clamp(360px,54vh,600px) !important}.fhero .shot img{width:100% !important;height:100% !important}.fhero .shot img.e-con{width:100% !important;height:100% !important}.fhero .shot .cap{padding:10px 16px !important}.fhero .shot .cap.e-con{padding:10px 16px !important}.cred{padding:110px 0 !important}.cred.e-con{padding:110px 0 !important}.cred .head{max-width:64ch !important;margin-bottom:12px !important}.cred .head.e-con{max-width:64ch !important;margin-bottom:12px !important}.cred .head h2{margin:14px 0 16px !important}.cred .head h2.e-con{margin:14px 0 16px !important}.cred .head p{max-width:60ch !important}.cred .head p.e-con{max-width:60ch !important}.listino{margin-top:40px !important}.listino.e-con{margin-top:40px !important}.crow2{display:grid !important;grid-template-columns:minmax(112px,150px) 1fr minmax(150px,190px) !important;gap:34px !important;align-items:center !important;padding:28px 24px 28px 0 !important}.crow2.e-con{display:grid !important;grid-template-columns:minmax(112px,150px) 1fr minmax(150px,190px) !important;gap:34px !important;align-items:center !important;padding:28px 24px 28px 0 !important}.crow2:hover,.crow2:focus-within{padding-left:20px !important}.crow2:hover.e-con,.crow2:focus-within.e-con{padding-left:20px !important}.crow2 .ali small{margin-top:8px !important}.crow2 .ali small.e-con{margin-top:8px !important}.crow2 .desc h3{margin-bottom:5px !important}.crow2 .desc h3.e-con{margin-bottom:5px !important}.crow2 .desc p{max-width:56ch !important}.crow2 .desc p.e-con{max-width:56ch !important}.crow2 .stato .tag{display:inline-block !important;padding:5px 11px !important}.crow2 .stato .tag.e-con{display:inline-block !important;padding:5px 11px !important}.crow2 .stato .an{margin-top:8px !important}.crow2 .stato .an.e-con{margin-top:8px !important}.cred .stock{margin-top:34px !important;display:flex !important;gap:14px !important;align-items:flex-start !important;padding:22px 24px !important}.cred .stock.e-con{margin-top:34px !important;display:flex !important;gap:14px !important;align-items:flex-start !important;padding:22px 24px !important}.cred .stock svg{width:22px !important;height:22px !important;margin-top:2px !important}.cred .stock svg.e-con{width:22px !important;height:22px !important;margin-top:2px !important}.rail{padding:112px 0 !important}.rail.e-con{padding:112px 0 !important}.rail .head{max-width:60ch !important;margin-bottom:16px !important}.rail .head.e-con{max-width:60ch !important;margin-bottom:16px !important}.rail .head h2{margin:14px 0 16px !important;max-width:22ch !important}.rail .head h2.e-con{margin:14px 0 16px !important;max-width:22ch !important}.rail .head p{max-width:58ch !important}.rail .head p.e-con{max-width:58ch !important}.track{display:grid !important;grid-template-columns:repeat(4,1fr) !important;gap:30px !important;margin-top:64px !important}.track.e-con{display:grid !important;grid-template-columns:repeat(4,1fr) !important;gap:30px !important;margin-top:64px !important}.track::before{height:2px !important}.step .nodo{width:56px !important;height:56px !important;display:flex !important;align-items:center !important;justify-content:center !important}.step .nodo.e-con{width:56px !important;height:56px !important;display:flex !important;align-items:center !important;justify-content:center !important}.step.goal .nodo svg{width:24px !important;height:24px !important}.step.goal .nodo svg.e-con{width:24px !important;height:24px !important}.step h3{margin:22px 0 10px !important}.step h3.e-con{margin:22px 0 10px !important}.step p{max-width:34ch !important}.step p.e-con{max-width:34ch !important}.step .flag{display:inline-flex !important;align-items:center !important;gap:8px !important;margin-top:14px !important}.step .flag.e-con{display:inline-flex !important;align-items:center !important;gap:8px !important;margin-top:14px !important}.step .flag svg{width:16px !important;height:16px !important}.step .flag svg.e-con{width:16px !important;height:16px !important}.rail .note{margin-top:56px !important;display:flex !important;gap:14px !important;align-items:flex-start !important;padding-top:26px !important;max-width:82ch !important}.rail .note.e-con{margin-top:56px !important;display:flex !important;gap:14px !important;align-items:flex-start !important;padding-top:26px !important;max-width:82ch !important}.rail .note svg{width:22px !important;height:22px !important;margin-top:2px !important}.rail .note svg.e-con{width:22px !important;height:22px !important;margin-top:2px !important}.qual{padding:110px 0 !important}.qual.e-con{padding:110px 0 !important}.qual .row{display:grid !important;grid-template-columns:.82fr 1.18fr !important;gap:62px !important;align-items:start !important}.qual .row.e-con{display:grid !important;grid-template-columns:.82fr 1.18fr !important;gap:62px !important;align-items:start !important}.qual .media img{width:100% !important;height:100% !important}.qual .media img.e-con{width:100% !important;height:100% !important}.qual .media .fig{padding:10px 15px !important;max-width:88% !important}.qual .media .fig.e-con{padding:10px 15px !important;max-width:88% !important}.qual .head{margin-bottom:26px !important}.qual .head.e-con{margin-bottom:26px !important}.qual .head h2{margin:13px 0 16px !important;max-width:22ch !important}.qual .head h2.e-con{margin:13px 0 16px !important;max-width:22ch !important}.qual .head p{max-width:54ch !important}.qual .head p.e-con{max-width:54ch !important}.qitem{display:grid !important;grid-template-columns:44px 1fr auto !important;gap:20px !important;padding:26px 0 !important;align-items:start !important}.qitem.e-con{display:grid !important;grid-template-columns:44px 1fr auto !important;gap:20px !important;padding:26px 0 !important;align-items:start !important}.qitem>svg{width:34px !important;height:34px !important;margin-top:3px !important}.qitem>svg.e-con{width:34px !important;height:34px !important;margin-top:3px !important}.qitem .qt h3{margin-bottom:7px !important}.qitem .qt h3.e-con{margin-bottom:7px !important}.qitem .qt p{max-width:52ch !important}.qitem .qt p.e-con{max-width:52ch !important}.qitem .inc{padding-top:3px !important}.qitem .inc.e-con{padding-top:3px !important}.qitem .inc .bars{display:flex !important;gap:4px !important;justify-content:flex-end !important;margin-top:8px !important}.qitem .inc .bars.e-con{display:flex !important;gap:4px !important;justify-content:flex-end !important;margin-top:8px !important}.qitem .inc .bars i{width:8px !important;height:8px !important}.qitem .inc .bars i.e-con{width:8px !important;height:8px !important}.qual .after{margin-top:34px !important;padding-left:20px !important;max-width:60ch !important}.qual .after.e-con{margin-top:34px !important;padding-left:20px !important;max-width:60ch !important}.scala{padding:114px 0 !important}.scala.e-con{padding:114px 0 !important}.scala .head{max-width:62ch !important}.scala .head.e-con{max-width:62ch !important}.scala .head h2{margin:14px 0 14px !important;max-width:22ch !important}.scala .head h2.e-con{margin:14px 0 14px !important;max-width:22ch !important}.scala .head p{max-width:60ch !important}.scala .head p.e-con{max-width:60ch !important}.scala .big{margin:44px 0 8px !important}.scala .big.e-con{margin:44px 0 8px !important}.scala .bigsub{margin-bottom:44px !important}.scala .bigsub.e-con{margin-bottom:44px !important}.gauge{margin-top:10px !important}.gauge.e-con{margin-top:10px !important}.gauge .bar{height:16px !important}.gauge .bar.e-con{height:16px !important}.gauge .ticks{display:flex !important;justify-content:space-between !important;margin-top:12px !important}.gauge .ticks.e-con{display:flex !important;justify-content:space-between !important;margin-top:12px !important}.gauge .marks{height:26px !important;margin-top:6px !important}.gauge .marks.e-con{height:26px !important;margin-top:6px !important}.gauge .mk .l{margin-top:3px !important}.gauge .mk .l.e-con{margin-top:3px !important}.scala .legend{display:grid !important;grid-template-columns:1fr 1fr !important;gap:26px !important;margin-top:64px !important}.scala .legend.e-con{display:grid !important;grid-template-columns:1fr 1fr !important;gap:26px !important;margin-top:64px !important}.scala .lg{padding-top:18px !important}.scala .lg.e-con{padding-top:18px !important}.scala .lg h3{margin-bottom:8px !important}.scala .lg h3.e-con{margin-bottom:8px !important}.scala .lg p{max-width:44ch !important}.scala .lg p.e-con{max-width:44ch !important}.scala .disc{margin-top:44px !important;display:flex !important;gap:14px !important;align-items:flex-start !important;padding:6px 0 6px 20px !important;max-width:80ch !important}.scala .disc.e-con{margin-top:44px !important;display:flex !important;gap:14px !important;align-items:flex-start !important;padding:6px 0 6px 20px !important;max-width:80ch !important}.faq{padding:106px 0 !important}.faq.e-con{padding:106px 0 !important}.faq .row{display:grid !important;grid-template-columns:1.24fr .76fr !important;gap:60px !important;align-items:start !important}.faq .row.e-con{display:grid !important;grid-template-columns:1.24fr .76fr !important;gap:60px !important;align-items:start !important}.faq .head{margin-bottom:20px !important}.faq .head.e-con{margin-bottom:20px !important}.faq .head h2{margin-top:14px !important;max-width:20ch !important}.faq .head h2.e-con{margin-top:14px !important;max-width:20ch !important}.qa summary{padding:26px 0 !important;display:flex !important;justify-content:space-between !important;align-items:center !important;gap:20px !important}.qa summary.e-con{padding:26px 0 !important;display:flex !important;justify-content:space-between !important;align-items:center !important;gap:20px !important}.qa .ico{width:26px !important;height:26px !important}.qa .ico.e-con{width:26px !important;height:26px !important}.qa .ico::before{width:22px !important;height:2px !important}.qa .ico::after{width:2px !important;height:22px !important}.qa .ans{padding:0 40px 28px 0 !important;max-width:70ch !important}.qa .ans.e-con{padding:0 40px 28px 0 !important;max-width:70ch !important}.faq .aside .ph img{width:100% !important;height:100% !important}.faq .aside .ph img.e-con{width:100% !important;height:100% !important}.faq .aside .ph .fig{padding:9px 14px !important;max-width:92% !important}.faq .aside .ph .fig.e-con{padding:9px 14px !important;max-width:92% !important}.faq .aside .ask{margin-top:22px !important;padding:26px 24px !important}.faq .aside .ask.e-con{margin-top:22px !important;padding:26px 24px !important}.faq .aside .ask h3{margin-bottom:8px !important}.faq .aside .ask h3.e-con{margin-bottom:8px !important}.faq .aside .ask p{margin-bottom:18px !important}.faq .aside .ask p.e-con{margin-bottom:18px !important}.faq .aside .ask a{display:inline-flex !important;align-items:center !important;gap:9px !important}.faq .aside .ask a.e-con{display:inline-flex !important;align-items:center !important;gap:9px !important}.faq .aside .ask a svg{width:18px !important;height:18px !important}.faq .aside .ask a svg.e-con{width:18px !important;height:18px !important}.rq-grid{display:grid !important;grid-template-columns:.9fr 1.1fr !important;min-height:100% !important}.rq-grid.e-con{display:grid !important;grid-template-columns:.9fr 1.1fr !important;min-height:100% !important}.rq-left{padding:100px 56px 100px 0 !important}.rq-left.e-con{padding:100px 56px 100px 0 !important}.rq-left h2{margin:14px 0 20px !important}.rq-left h2.e-con{margin:14px 0 20px !important}.rq-left .lead{margin-bottom:30px !important;max-width:44ch !important}.rq-left .lead.e-con{margin-bottom:30px !important;max-width:44ch !important}.rq-left .mk{display:flex !important;gap:13px !important;align-items:flex-start !important;padding:20px 22px !important;margin-bottom:30px !important}.rq-left .mk.e-con{display:flex !important;gap:13px !important;align-items:flex-start !important;padding:20px 22px !important;margin-bottom:30px !important}.rq-left .mk svg{width:22px !important;height:22px !important;margin-top:2px !important}.rq-left .mk svg.e-con{width:22px !important;height:22px !important;margin-top:2px !important}.cont-canale{display:flex !important;gap:15px !important;align-items:center !important;padding:18px 0 !important}.cont-canale.e-con{display:flex !important;gap:15px !important;align-items:center !important;padding:18px 0 !important}.cont-canale svg{width:23px !important;height:23px !important}.cont-canale svg.e-con{width:23px !important;height:23px !important}.rq-right{padding:52px !important}.rq-right.e-con{padding:52px !important}.rq-right .ftit{margin-bottom:6px !important}.rq-right .ftit.e-con{margin-bottom:6px !important}.rq-right .fsub{margin-bottom:26px !important}.rq-right .fsub.e-con{margin-bottom:26px !important}.field{margin-bottom:18px !important}.field.e-con{margin-bottom:18px !important}.field label{margin-bottom:7px !important}.field label.e-con{margin-bottom:7px !important}.field input,.field select{width:100% !important;padding:14px 16px !important}.field input.e-con,.field 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Home › Crediti fiscali › Vendi il tuo credito Crediti fiscali · Lato cedente Hai un credito fiscale fermo? Trasformalo in liquidità Superbonus e bonus edilizi bloccati nel cassetto fiscale possono ancora diventare denaro. Ti mettiamo in contatto con acquirenti idonei e verificati — banche, intermediari ex art. 106 TUB, assicurazioni — dopo una valutazione documentale del tuo credito. Il valore non è mai garantito: dipende dalla qualità dei documenti.
Cessionari idonei · art. 106 TUB Due diligence documentale Valore mai garantito Superbonus e bonus edilizi — stock già maturato Quali crediti trattiamo I bonus edilizi che diventano liquidità Lavoriamo i crediti maturati dai principali bonus edilizi. Ogni beneficio ha avuto la sua aliquota e la sua storia: quello che conta oggi è che il credito sia già maturato, presente nel cassetto fiscale e con i documenti in ordine.
110% Superbonus
Superbonus Interventi di efficienza energetica e riduzione del rischio sismico. L'aliquota è scesa negli anni (90%, 70%, 65%): si cede lo stock già maturato per annualità.
Stock 2020–2025 Quote annuali residue
90% Facciate
Bonus facciate Recupero e restauro delle facciate esterne degli edifici. Finestra agevolativa ormai chiusa: resta la cessione dei crediti già formati negli anni di validità.
Stock storico Annualità 2020–2022
50–65% Ecobonus
Ecobonus Risparmio energetico: caldaie, infissi, cappotto termico, pompe di calore. Aliquote diverse per tipo di intervento, con quote di detrazione ripartite su più anni.
Quote pluriennali Ripartito in 5–10 anni
50% Ristrutturazione
Ristrutturazione edilizia Recupero del patrimonio edilizio esistente, entro i massimali di spesa previsti. Uno dei crediti più diffusi, con detrazione ripartita in quote annuali.
Quote pluriennali Ripartito in 10 anni
75% Barriere
Barriere architettoniche Eliminazione delle barriere architettoniche: ascensori, montascale, rampe, adeguamenti. Aliquota elevata, con requisiti tecnici specifici da documentare.
Requisiti tecnici Verifica caso per caso
50% Fotovoltaico
Fotovoltaico e accumulo Impianti fotovoltaici e sistemi di accumulo, come intervento a sé o collegato ad altri bonus. Il credito si valuta insieme alla documentazione tecnica dell'impianto.
Anche in abbinamento Ripartito in quote annuali
Come stanno le cose, senza giri di parole: le nuove opzioni di sconto in fattura e cessione del credito sono bloccate dal 30 maggio 2024 . Non si generano nuove cessioni: si lavora lo stock di crediti già maturati negli anni precedenti e presenti nel cassetto fiscale, nel rispetto delle regole vigenti. Le aliquote qui indicate sono quelle storiche del beneficio — valori dimostrativi.
Come funziona Dalla valutazione all'incasso, un passo alla volta Non promettiamo scorciatoie. Ti accompagniamo lungo un percorso ordinato: prima si verificano i documenti, poi si incontra l'acquirente giusto. Il traguardo è la liquidità sul tuo conto.
01
Ci invii i dati del credito Tipo di bonus, annualità, importo nominale e stato dei documenti. Bastano poche informazioni per una prima lettura, senza impegno e senza costi.
02
Valutiamo la qualità documentale Verifichiamo visto di conformità, asseverazione, invio ENEA e capienza. È qui che si capisce se il credito è cedibile e a quale fascia di valore.
03
Incontriamo l'acquirente idoneo Presentiamo il credito, in forma riservata, a cessionari idonei e verificati. Su di essi il cessionario svolge la propria due diligence prima di impegnarsi.
Cessione e incasso Firmato il contratto di cessione verso il cessionario idoneo, il credito passa e ricevi il corrispettivo pattuito. Da credito fermo a liquidità.
Il traguardo: la liquidità Nessun esito è garantito. La cedibilità e il prezzo dipendono dalla qualità dei documenti e dalla valutazione del cessionario. Il flusso è impostato insieme a un consulente fiscale e legale , e la cessione avviene solo verso soggetti idonei ex art. 106 TUB. Tempi e passaggi descritti sono prassi di settore — dati dimostrativi.
La qualità che fa il prezzo Cosa serve — e perché decide quanto vale Un credito fiscale non vale per il solo importo nominale: vale per quanto è solido. Sono i documenti a stabilire se un acquirente lo prende, e a quale prezzo. Ecco cosa pesa davvero.
Visto di conformità Rilasciato da un professionista abilitato, attesta che i presupposti del credito sono corretti . È spesso il primo requisito che un cessionario chiede: senza, il credito è difficilmente collocabile.
Asseverazione tecnica La certificazione del tecnico su requisiti, congruità delle spese e conformità dei lavori. Dimostra che l'intervento c'è ed è a norma : è la spina dorsale del valore del credito.
Ricevuta di invio ENEA Per gli interventi di risparmio energetico, la trasmissione all'ENEA nei termini è obbligatoria. La ricevuta prova che l'adempimento è stato fatto e mette al riparo da contestazioni.
Capienza e quote nel cassetto Il credito dev'essere effettivamente presente nel cassetto fiscale , con le quote annuali ancora capienti e non già utilizzate. È la verifica che dà certezza su cosa, davvero, si sta cedendo.
Ti manca qualche documento? Non è detto sia un vicolo cieco: valutiamo cosa c'è e, dove possibile, ti indichiamo come integrarlo. Prima la fotografia onesta, poi la strada — senza promesse a scatola chiusa.
Quanto vale, con onestà Il prezzo è una forbice, non un numero fisso Chi ti promette una percentuale precisa prima di aver visto i documenti ti sta raccontando una favola. Il valore di cessione si muove in una fascia, e a decidere dove ti collochi è la qualità della tua pratica.
60 – 92 %
del valore nominale — dato di mercato, dimostrativo
0% 25% 50% 75% 100%
~60% Documenti incompleti ~92% Completi e verificati
Cosa spinge il valore in alto Visto e asseverazione in ordine, ENEA trasmesso, quote recenti e ben documentate, intervento lineare. Un credito "pulito" trova più acquirenti disposti a pagarlo bene.
Cosa lo tira in basso Documenti mancanti o incompleti, annualità vecchie, dubbi sui presupposti, complessità dell'intervento. Più il cessionario deve verificare, più sconta il rischio nel prezzo.
Il valore non è mai garantito. La percentuale finale la determina il cessionario dopo la propria due diligence, in base ai documenti e alle condizioni di mercato del momento. I valori indicati sul sito sono dati di mercato dimostrativi, non un'offerta né una promessa di prezzo.
Domande frequenti
Le domande di chi ha un credito da cedere Posso ancora cedere il credito del Superbonus?
Le nuove opzioni di sconto in fattura e cessione sono bloccate dal 30 maggio 2024 . Resta però possibile lavorare lo stock di crediti già maturati e presenti nel cassetto fiscale, nel rispetto delle regole. Verifichiamo insieme la tua posizione, senza impegno.
Quanto vale il mio credito?
Di norma tra il 60% e il 92% del valore nominale, secondo la qualità documentale e l'annualità delle quote. Non è mai un prezzo garantito: dipende dai documenti e dal cessionario. Sono valori di mercato — dimostrativi.
Serve il visto di conformità?
Nella gran parte dei casi sì: visto di conformità e asseverazione tecnica sono ciò che rende il credito acquistabile e ne determina il prezzo. Se ti manca qualcosa, ti aiutiamo a capire se e come si può integrare.
Quanto tempo serve per la cessione?
Dipende dalla completezza dei documenti e dalla due diligence del cessionario. In genere alcune settimane , dalla verifica alla cessione. Sono tempi indicativi — dati dimostrativi, mai garantiti a priori.
Valuta il tuo credito Prepariamo la scheda del tuo credito Compila i dati essenziali: ci servono per una prima valutazione e per comporre, in forma riservata, la scheda del tuo credito da sottoporre agli acquirenti idonei.
Telefono — 06 94 80 2005 Dal lunedì al venerdì, dalle 8 alle 18
Email — info@creditore.it Per inviarci visto, asseverazione e ricevute
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