Smart4Tech, CrowdFundMe, and WeAreStarting Unite to Build Leading Digital Finance Hub for Italian SMEs

The integration of Smart4Tech, CrowdFundMe and WeAreStarting is at an advanced stage . These three complementary companies aim to create a leading platform for consultancy, digitalisation of access to capital and innovation in financial markets, with a clear focus on Italian SMEs and a strong technological DNA .

The initiative – which saw the signing of a non-binding term sheet – provides for the merger by incorporation of Smart4Tech and WeAreStarting into CrowdFundMe , which will remain listed on Euronext Growth Milan.

The operation, promoted and supported by Smart Capital SpA , an industrial holding company listed on Euronext Growth Milan – Professional Segment (EGM-PRO), aims to create a new listed group capable of becoming a reference point for alternative finance and digital innovation serving small and medium-sized enterprises.

An integrated group for the growth of SMEs

The new group intends to position itself as a strategic hub supporting capital raising through alternative instruments and extraordinary financial transactions.

Thanks to the three companies’ many years of experience, it will be able to offer companies access to equity, lending, club deals, and minibond transactions , while also supporting SMEs on their growth and consolidation journey.

Based on ongoing due diligence, the exchange ratios for the allocation of new CrowdFundMe shares to Smart4Tech and WeAreStarting shareholders will be defined.

Smart Capital will be the reference shareholder of the new group, joined by Tommaso Baldissera Pacchetti, Benedetto Pirro and Carlo Allevi , who will maintain significant stakes and undertake lock-up commitments in line with market best practices.

Statements from the protagonists

Andrea Costantini , President and CEO of Smart Capital, and Andrea Faraggiana, Managing Partner and General Manager of Smart Capital, stated:

“This transaction would represent an exemplary case of industrial innovation in the Italian capital market. The new group would have the ability to attract capital and offer advanced solutions for businesses and investors, contributing to the modernization of the financial system from a technological and ESG perspective.”

Tommaso Baldissera Pacchetti , President and CEO of CrowdFundMe, commented: “In a financial context that increasingly requires consolidation activities, the operation allows the new Group to make a qualitative leap in its capital raising activity, offering SMEs access to innovative financial instruments and accompanying them on their growth path.”

Finally, Carlo Allevi, President and CEO of WeAreStarting, added: “The integration of Smart4Tech represents more than an industrial operation: it is the decision to share an ambitious vision for the future of alternative finance and business services. Together with CrowdFundMe and Smart4Tech, we want to create a hub capable of radically innovating access to capital and supporting Italian companies on their path to growth and market access.”

Timing and regulatory aspects

The merger, subject to the successful completion of due diligence and the signing of binding agreements, is expected to close within the first quarter of 2026.

The transaction constitutes a reverse takeover pursuant to the Euronext Growth Milan Regulations, for both Smart Capital and CrowdFundMe.

Therefore, CrowdFundMe will publish the required information document and submit the transaction to the shareholders’ meeting for approval, while Smart Capital will adopt the simplified procedure provided for by the regulations.

The signed term sheet is non-binding and aims to define the guiding principles for exploring the potential integration.

The actual implementation of the transaction will be subject to the signing of definitive agreements between the parties, the contents of which may differ from the current hypotheses.

Smart4Tech: Towards a new ecosystem for alternative finance

With this potential integration, Smart4Tech, CrowdFundMe and WeAreStarting aim to create a unique ecosystem in the Italian landscape, capable of combining technological skills, financial know-how and advanced digital platforms.

The expected result is the creation of a leading group supporting companies in raising capital and evolving towards increasingly open, efficient, and sustainable markets.

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(Featured image by Towfiqu barbhuiya via Unsplash)

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