Primo Network
Primo Network (Ameconviene.it Finance) is an Italian credit brokerage founded in 1999, connecting 36,000+ consumers and SMEs with 46 partner banks through 153 agents across all 17 Italian regions, operating on a fee-only commission model.
- Company typePrivate
- Founded1999
- HeadquartersTurin, Italy
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What Primo Network does
Primo Network, operating as Ameconviene.it Finance Srl, is an Italian credit brokerage company founded in 1999 and headquartered in Turin. The company is registered with the OAM (Organismo degli Agenti e dei Mediatori) under number M94 and holds IVASS registration E000294291 for insurance mediation. It serves two primary customer segments: individual consumers (Privati) seeking personal loans from €1,500 to €75,000, salary-backed loans (Cessione del Quinto), payment delegations, mortgages, credit insurance, debt consolidation, and TFS advances; and companies and SMEs (Aziende) seeking business financing from €150,000 to €10 million, leasing, corporate mortgages, bank guarantees, factoring, and credit lines. Over 25 years the company has served approximately 36,055 clients and now operates a network of 153 commercial agents and 60 employees across all 17 Italian regions, with physical branch offices in Turin, Pisa, Scafati, and Florence.
The company's core technology is a web-based credit mediation platform consisting of a public-facing website with online quote requests and document upload, a reserved agent portal (po.primonetwork.it) for OAM-registered agents to manage credit operations, a webmail system for internal/external communications, and the Primo Network mobile app for partners. Product distribution is supported by an affiliation program for commercial partners (real estate agencies, CAF offices, and similar businesses) under the Ameconviene.it Finance Corner brand, and the company connects clients to a curated network of 46 partner banking and financial institutions including Aidexa, Compass, ING BANK, BNL, Agos, YOUNITED, and ARTIGIANCASSA. Agents operate under zone exclusivity across Italy.
Primo Network operates a fee-only, transaction-based commission model, with compensation paid only upon successful completion of credit operations. Revenue is generated by mediating personal and business credit between borrowers and the 46 partner institutions, with no upfront fees to clients. The company is privately held and entirely founder-owned, with Lorenzo Rizzo as Sole Director (Amministratore Unico), Franco Salerno as Commercial Director, and Giusy Nestola as Operations Manager. It has not raised any external venture funding, has a stated share capital of €228,000, and is not publicly traded.
Primo Network firmographics
Firmographics- Name
- Primo Network
- Legal name
- Ameconviene.it Finance Srl
- Website
- https://primonetwork.it
- Company type
- Private
- Founded year
- 1999
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Primo Network (Ameconviene.it Finance) is an Italian credit brokerage founded in 1999, connecting 36,000+ consumers and SMEs with 46 partner banks through 153 agents across all 17 Italian regions, operating on a fee-only commission model.
- Ownership category
- akta.pro rank
Primo Network industry classification
Industry- Product category
- Credit Brokerage Services
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Credit Intermediation and Related Activities (522)
- SIC
- Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Direct Lending — Specialty Finance (Consumer/SME Lending Platforms) (FSAHAJAF)
Keywords
Where Primo Network is headquartered
LocationHeadquarters
- HQ city
- Turin
- HQ country
- Italy
- HQ region
- Europe
Offices4 records
Markets served
Primo Network business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure
Revenue model
- Credit Mediation Commissions: Ameconviene.it Finance operates as a credit broker connecting borrowers with lenders. The company receives commissions from financial institutions for successfully mediated credit operations. Compensation is paid only upon successful completion of the operation (fee-only model).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | No public pricing tiers - fee-only commission model |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Primo Network product offering
Product offeringCore offering
Primo Network (Ameconviene.it Finance Srl) is an OAM-registered Italian credit broker (Mediatore Creditizio, M94) that mediates consumer and business credit products from 46 partner banks and financial institutions to individual and corporate clients. Its core offerings include personal loans, salary-backed loans (Cessione del Quinto), mortgages, debt consolidation, TFS advances, and credit insurance for consumers, plus leasing, business mortgages, factoring, bank guarantees, and credit lines for companies. The company is compensated solely on a success-fee basis through commissions paid by partner lenders upon successful credit operation completion.
Product overview
Primo Network (Ameconviene.it Finance) operates as a credit mediation platform offering a comprehensive portfolio of financial products and services for both private individuals and businesses. For private clients, the core offerings include Prestito Personale, Cessione del Quinto, Delega di Pagamento, Mutui, Assicurazione Credito, Consolidamento Debiti, and TFS financing. For business clients, products include Leasing, Mutuo Imprese, Garanzie Bancarie, Factoring, and Linee di Credito. The platform is supported by 46 affiliated banking and financial institutions and operates through a network of agents using proprietary web portals (Portale Agenti, Webmail) and mobile applications (Primo Network APP). The company acts as an intermediary connecting consumers with lenders to provide competitive credit solutions.
Differentiator
Problem solved
Functional benefit
Products and services
- Prestito Personale (Personal Loan) Fixed-rate personal loan product for Italian individual consumers needing financing for predetermined amounts, typically between €1,500 and €75,000, mediated through 46 partner banks.
- Cessione del Quinto (Salary Assignment Loan) Salary-backed loan for Italian employees (public and private sector) where the monthly installment is capped at one-fifth of gross salary, with repayment made directly by the employer or pension provider.
- Delega di Pagamento (Payment Delegation Loan) Payment delegation loan for employees of public administrations and private companies, providing an additional salary-backed installment alongside a Cessione del Quinto.
- Mutuo (Mortgage) Mortgage product enabling Italian consumers to access real estate financing solutions through Primo Network's partner banks, tailored to individual home-purchase needs.
- Assicurazione Credito (Credit Insurance) Credit insurance policies protecting Italian borrowers' repayment capacity against unforeseen events (job loss, illness, death), mediated through partner insurers via the broker's IVASS registration.
- Consolidamento Debiti (Debt Consolidation) Debt consolidation service combining multiple existing Italian consumer loans into a single installment with a long-term restructuring solution, mediated through partner banks.
- Anticipo TFS (TFS Advance Financing) Advance financing on TFS (Trattamento di Fine Servizio) severance fund for Italian public-sector and state employees who have reached pension age, mediated through partner banks.
- Leasing (Financial Leasing) Financial leasing contract providing movable or immovable property to Italian businesses, mediated through Primo Network's partner banks and financial institutions under the Aziende offering.
- Mutuo Imprese (Business Mortgage) Business mortgage financing for Italian companies, individual businesses, and self-employed workers meeting partner-bank underwriting requirements, mediated through the Aziende track.
- Garanzie Bancarie (Bank Guarantees) Bank guarantee instrument ensuring beneficiary payment of a specified sum by a guarantor, mediated through Primo Network's partner banks for Italian businesses.
- Factoring Factoring instrument allowing Italian enterprises to transfer present or future receivables to intermediaries or banks, mediated through Primo Network's partner financial institutions.
- Linee di Credito (Credit Lines) Revolving and committed credit lines providing Italian private individuals and businesses with a pre-agreed sum of money available from a financial operator, mediated through partner institutions.
- Convenzioni Partner Commerciali (Ameconviene.it Finance Corner) Commercial partnership program enabling Italian real estate agencies, CAF offices, and similar businesses to offer credit solutions from €3,000 to €3,000,000 to their own customers through 46 affiliated institutions under the Ameconviene.it Finance Corner affiliation model.
Quantifiable outcome
- 36,055 satisfied clients served over 25 years of operation
Companies that use Primo Network
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles3 records
Primo Network technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Primo Network partnerships and signals
Strategic signalPartnerships
17 partnerships are on record, tiered core.
- AidexacoreBanking partner providing credit products through the Ameconviene.it Finance mediation network
- CompasscoreBanking partner providing credit products through the Ameconviene.it Finance mediation network
- ING BANKcoreBanking partner providing credit products through the Ameconviene.it Finance mediation network
- SiriofincoreFinancial institution partner providing credit products through the mediation network
- Banca SistemacoreBanking partner providing credit products through the mediation network
- Banca ProgettocoreBanking partner providing credit products through the mediation network
- Banca di ScontocoreBanking partner providing credit products through the mediation network
- MDIcoreFinancial institution partner providing credit products through the mediation network
- AgoscoreConsumer credit company partner providing credit products through the mediation network
- BNLcoreMajor banking group partner providing credit products through the mediation network
- IBL BancacoreBanking partner providing credit products through the mediation network
- YOUNITEDcoreOnline lending partner providing credit products through the mediation network
- ARTIGIANCASSAcoreArtisan and SME development bank partner providing specialized credit products
- ItalcredicoreCredit institution partner providing credit products through the mediation network
- GAFIcoreFinancial institution partner providing credit products through the mediation network
- BPFcoreFinancial institution partner providing credit products through the mediation network
- Banca BPL (Banca Popolare di Lodi)coreBanking partner providing credit products through the mediation network
Scale indicators4 records
Recent moves5 records
Expansion highlights5 records
Primo Network competitors and assessment
Company assessmentDirect peers
- SOStariffe.it: Italian comparison portal covering personal loans, mortgages, and financial products. Competes with Primo Network in lead generation and online intermediation in Italy, though with less human advisory depth.
- Segugio.it: Italian financial product comparison portal owned by MutuiOnline that intermediates mortgages, personal loans, and credit cards. Comparable as a competing credit intermediary operating in Italy across the same borrower segments Primo Network serves.
- Facile.it: Italy's largest multi-product comparison and intermediation platform (insurance, credit, utilities, broadband). Directly comparable to Primo Network because it intermediates personal loans and mortgages between consumers and Italian lenders, though it operates digitally at national scale rather than through a captive agent network.
- Euroansa: Italian credit broker with a national agent network connecting consumers and SMEs with banks. Direct competitor to Primo Network: similar multi-product credit mediation, agent-based distribution, and Italian geographic coverage.
- Prestiti.it: Italian consumer credit comparison and intermediation platform focused on personal loans and salary-backed loans (Cessione del Quinto). Direct competitor for Primo Network's core retail credit mediation business.
- Pitagora Group: Italian financial intermediary with a network structure that mediates credit and salary-backed loans (Cessione del Quinto). Comparable as a competitor in Italian credit mediation with overlapping products and distribution model.
- MutuiOnline (now Facile.it / broker.it group): Italian online mortgage brokerage comparison platform. Comparable as a competing credit intermediary specifically in the mortgage segment where Primo Network places significant volume through partner banks.
Broad incumbents
- Agos (Agos Ducato): Major Italian consumer credit company jointly owned by Crédit Agricole and Banco BPM, distributing personal loans, auto finance, and Cessione del Quinto directly. Comparable product overlap; also a partner bank for Primo Network.
- Compass (Mediocredito Centrale Group): One of Italy's largest consumer credit and salary-backed loan providers, owned by Mediobanca's Mediocredito Centrale. Operates overlapping products (Cessione del Quinto, personal loans) and is also a partner institution in Primo Network's mediation network.
- Findomestic Banca: Italian consumer credit bank owned by BNP Paribas Personal Finance, offering personal loans and credit directly to consumers. Comparable in product category but operates as a direct lender through its own distribution rather than as a broker — also listed among Primo Network's lending partners.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Primo Network social profiles
Digital presencePrimo Network financial estimates
Financial estimateRevenue estimate
Valuation estimate
Primo Network leadership team
Management profileNumber of profiles
Profiles3 records
Primo Network funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Primo Network M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Primo Network
What does Primo Network do?
Primo Network (Ameconviene.it Finance Srl) is an OAM-registered Italian credit broker (Mediatore Creditizio, M94) that mediates consumer and business credit products from 46 partner banks and financial institutions to individual and corporate clients. Its core offerings include personal loans, salary-backed loans (Cessione del Quinto), mortgages, debt consolidation, TFS advances, and credit insurance for consumers, plus leasing, business mortgages, factoring, bank guarantees, and credit lines for companies. The company is compensated solely on a success-fee basis through commissions paid by partner lenders upon successful credit operation completion.
Is Primo Network a public or private company?
Primo Network is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Primo Network founded?
Primo Network was founded in 1999. It employs 51 to 100 people.
Where is Primo Network based?
Primo Network is headquartered in Turin, Italy, in the Europe region.
How does Primo Network make money?
One revenue line is on record: credit Mediation Commissions.
Who are Primo Network's main competitors?
Direct peers on record are SOStariffe.it, Segugio.it, Facile.it, Euroansa, Prestiti.it, Pitagora Group and MutuiOnline (now Facile.it / broker.it group). Broad incumbents are Agos (Agos Ducato), Compass (Mediocredito Centrale Group) and Findomestic Banca.
Does Primo Network have an API?
No public API is recorded for Primo Network.
What industry is Primo Network in?
Primo Network's product category is Credit Brokerage Services. Its primary akta.pro industry code is FSAHAJAF, Direct Lending — Specialty Finance (Consumer/SME Lending Platforms). Its NAICS code is 52231 and its SIC code is 6163.