In 2021 Credito Fondiario Banking Group underwent a reorganisation project which led to the creation of the Gardant Group and the refocussing of the bank.

The Gardant Group is a leader in the credit management sector in Italy, with a unique business model: it is both Debt Servicer (DS) and Asset Manager / Debt Purchaser (DP) and operates in all asset classes related to bank, leasing, commercial and other receivables (performing,  UTPs, NPLs).

After the reorganistion, Credito Fondiario changed its mission becoming a challenger bank specialising in financing solutions for both performing and re-performing enterprises.