The reduction in disbursement times is important to facilitate credit access: a Mediocredito Italiano project, which covers all product ranges (medium/long term loans, leasing and factoring) was adopted, with a monitoring system for disbursement times, the digitalisation of documents and formalities from the Sales Function to the Credit Function and the introduction of a pre-assessment stage, to speed up the assessment process relative to real estate. Average disbursement times were shorter, compared to 2015, decreasing from 23 to 17.7 days for MLT loans; from 25.2 to 23.9 days for leasing and from 17.2 to 16.6 days for factoring.