Terzo Valore is a tool of Banca Prossima, the Bank of Intesa San Paolo Group dedicated to the Third Sector. It’s a crowd-lending tool through which individuals (residents in Italy) and legal entities (with legal headquarter in Italy) can lend or directly donate to the non-profit organizations, customers of Banca Prossima. The Bank selects the projects and finance as minimum the 33% plus the difference of what wasn’t collected in Crowdfunding. The planner decides the interest rate, the lender can reduce it, until delete or decide to donate it. The return of loans is guaranteed by the Bank.