Affida

What Affida does

Affida S.r.l. is an Italian credit brokerage company (società di mediazione creditizia) headquartered in Rome and operating under the direction and coordination of UK-based CloudCare Topco Ltd pursuant to Article 2497 of the Italian Civil Code. Founded in 2018, the company is registered with OAM (Organismo per la gestione degli elenchi degli Agenti in attività finanziaria e dei Mediatori Creditizi) under number M325, authorizing it to operate as a credit intermediary. Affida serves individual consumers and small/medium businesses seeking mortgages, personal loans, fifth-of-salary deductions (cessioni del quinto), leasing, and broader business financing, acting as an intermediary between clients and a network of 100+ bank and financial-institution partners including major Italian groups (BNL, BPER, Intesa Sanpaolo, MPS) and international players (Credit Agricole, ING, Societe Generale).

The company operates a multi-channel distribution model built around a physical agent network — over 700 agents working from 110+ offices across Italy — supplemented by an Area Clienti (customer portal), an Area Agenti (agent portal), and a co-branded Card Gold Mastercard credit card product. The technology stack is described as a website-based credit intermediation platform with client and agent portal systems; there is no public-facing API, SDK, mobile app, or disclosed AI/automation layer. As of the data available, the company has processed more than 40,000 loan practices (PRATICHE LIQUIDATE 40,000+) cumulatively since inception.

Affida generates revenue primarily through transaction fees on completed credit deals (mutui, prestiti, cessioni del quinto, leasing). Pricing to consumers is positioned as free consultation (Consulenza Gratuita), with monetization occurring at the point of successful deal closure through commissions from partner banks. The company maintains active organic social media presence on Facebook, Instagram, LinkedIn, and YouTube, and is reviewed on Trustpilot. With a registered share capital of EUR 62,500 and 101-250 employees, Affida is a privately held Italian company with no disclosed funding rounds, M&A activity, or public financial reporting.

Name

Affida

Legal name

Affida S.r.l.

Website

https://affida.credit

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

101–250 employees

Short description

Affida is an Italian credit brokerage (mediatore creditizio) connecting individual consumers and SMEs with 100+ banks for mortgages, personal loans, fifth-of-salary deductions, leasing, and business financing, via a network of 700+ agents across 110+ Italian offices.

Ownership category

akta.pro rank

Product category

Credit Brokerage

NAICS

Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)

Keywords

• Credit brokerage
• Mortgage intermediation
• Personal loans
• Leasing brokerage
• Financial consulting

Headquarters

HQ city

Rome

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Credit Mediation Fees: Affida acts as a credit broker (mediatore creditizio) connecting potential clients with banks and financial intermediaries. Revenue is generated through transaction fees on successfully completed financing deals (mutui, prestiti, cessioni del quinto, leasing).

Distribution channels2 records

Marketing channels5 records

Core offering

Affida is an Italian credit brokerage company (società di mediazione creditizia) that connects individual consumers and businesses with banks and financial intermediaries for mortgages, personal loans, fifth-of-salary deductions, leasing, and corporate financing. It operates a nationwide network of 110+ offices with 700+ agents across Italy, maintaining conventions with 100+ banking partners, and has processed over 40,000 financing applications.

Product overview

Affida is a credit mediation company (società di mediazione creditizia) operating a multi-channel platform that connects clients with financial institutions. The core offering consists of five principal financial products: Mutui (mortgages), Prestiti (personal loans), Cessioni del Quinto (fifth-of-salary loans for employees and retirees), Leasing (for entrepreneurs), and Aziende (corporate/business financing). These are complemented by a co-branded credit card (Card Gold Mastercard) and supported by digital client and agent portals. The company operates a network of over 110 offices across Italy with more than 700 agents and maintains partnerships with 100+ banks and financial intermediaries.

Differentiator

Problem solved

Functional benefit

Brands

• Card Gold: Affida Mastercard Credit Gold - a credit card without commissions, flexible and independent in Italy and worldwide

Products and services

• Mutui (Mortgages) Mortgage loan brokerage connecting clients with multiple banking institutions for primary/secondary home purchases, renovation, restructuring, surrogation (mortgage transfer), debt consolidation, and liquidity needs, delivered through a single appointment across 110+ offices.
• Prestiti (Personal Loans) Personal loan brokerage providing amounts from €2,000 to €70,000 with monthly repayment installments spread over a maximum of 120 months, offered to individual consumers.
• Cessioni del Quinto (Fifth of Salary/Pension Loans) Loan product for employees and retirees allowing liquidity up to €100,000 with direct debit from salary/pension, repayable within 120 months.
• Leasing Brokerage Leasing brokerage for entrepreneurs covering real estate, equipment, nautical, and vehicle leasing solutions tailored to financial needs and objectives.
• Aziende (Business/Corporate Financing) Comprehensive business financing solutions for Italian companies including mortgage loans, unsecured (chirografari) loans, credit facilities, operational leasing, factoring, and subsidized credit.
• Card Gold Mastercard Credit Card Affida Mastercard Credit Gold - a co-branded credit card without Affida commissions, flexible and independent for use in Italy and worldwide.
• Certificazione SOA SOA certification services for companies requiring public works contractor qualification certificates, offered through partner SOA23spa.it.

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

23 partnerships are on record, tiered core and minor.

• ADV FinancecoreChannel Partner/ Reseller/ DistributorBanking partner providing mortgage and loan products through Affida's intermediation network. Listed among the 100+ bank conventions.
• AgoscoreChannel Partner/ Reseller/ DistributorFinancial intermediary partner for loan products through Affida's network of 100+ conventions.
• AIDEXAcoreChannel Partner/ Reseller/ DistributorBanking partner in Affida's convention network.
• A LeasingcoreChannel Partner/ Reseller/ DistributorLeasing partner offering commercial and personal leasing solutions.
• Banca IFIScoreChannel Partner/ Reseller/ DistributorBanking partner in Affida's network of 100+ conventions.
• BNL (Banca Nazionale del Lavoro)coreChannel Partner/ Reseller/ DistributorMajor banking partner in Affida's convention network.
• BPERcoreChannel Partner/ Reseller/ DistributorMajor Italian banking group partner in the Affida convention network.
• Credem BancacoreChannel Partner/ Reseller/ DistributorBanking partner in Affida's convention network.
• Credit AgricolecoreChannel Partner/ Reseller/ DistributorInternational banking group partner in the Affida convention network.
• INGcoreChannel Partner/ Reseller/ DistributorDigital banking partner in Affida's convention network.
• Intesa San Paolo (Rent For You)coreChannel Partner/ Reseller/ DistributorMajor Italian banking group offering rental and financing solutions through Affida.
• MPS (Monte dei Paschi di Siena)coreChannel Partner/ Reseller/ DistributorHistoric Italian banking institution as convention partner.
• Banco di SardegnacoreChannel Partner/ Reseller/ DistributorRegional banking partner in the Sardinia area.
• Banca CambianominorChannel Partner/ Reseller/ DistributorRegional Tuscan banking partner.
• Banca di AstiminorChannel Partner/ Reseller/ DistributorRegional Piedmont banking partner.
• BCC (Banche di Credito Cooperativo) NetworkcoreChannel Partner/ Reseller/ DistributorMultiple BCC/cooperative banks including BCC Milano, BCC Roma, BCC Iccrea, and other regional cooperative banks in Affida's network.
• OctoberminorChannel Partner/ Reseller/ DistributorP2P lending platform partner.
• YounitedminorChannel Partner/ Reseller/ DistributorOnline credit specialist partner.
• IllimityminorChannel Partner/ Reseller/ DistributorDigital banking partner.
• Societe GeneralecoreChannel Partner/ Reseller/ DistributorInternational banking group partner in Italy.
• ClessidraminorChannel Partner/ Reseller/ DistributorLeasing partner.
• CompasscoreChannel Partner/ Reseller/ DistributorConsumer credit specialist partner.
• OAM (Organismo per la gestione degli elenchi degli Agenti in attività finanziaria e dei Mediatori Creditizi)coreOthersRegulatory body overseeing credit mediators. Affida is registered under OAM n.M325. OAM is the official Italian registry for financial agents and credit mediators.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• MutuiOnline: Italy's leading online mortgage and loan comparison broker; directly comparable to Affida as both are credit intermediaries connecting consumers with multiple banks, though MutuiOnline operates a digital-first model versus Affida's physical agent network.
• Facile.it: Major Italian price-comparison platform for mortgages, loans, insurance and utilities. Comparable as a credit-intermediation competitor in the Italian consumer-finance market, with broader product reach.
• Segugio.it: Italian financial-product comparison site covering mortgages, personal loans and insurance. Comparable as a digital credit broker competing for the same Italian retail borrowers.
• Euroansa: Italian credit-mediation company (mediatore creditizio) with a multi-region agent network. Highly comparable to Affida in business model and product mix (mortgages, personal loans, CQS).
• Prestitalia: Italian credit intermediary specializing in personal loans and CQS products. Comparable as a direct competitor in the same regulatory OAM framework with overlapping agent-driven distribution.

Emerging players

• SOStariffe.it: Italian online comparison platform with growing mortgage and loan verticals. Adjacent competitor to Affida from the digital aggregator side.
• Younited: European online consumer-credit platform; already listed as an Affida convention partner. Comparable as an alternative digital lending source in Affida's intermediary network, with overlapping customer segment.

Broad incumbents

• Findomestic Banca: BNL Paribas group's consumer-credit arm offering personal loans and credit directly. Comparable as a major lender in Affida's supply network that could also compete by disintermediating brokers.
• Agos Ducato: Major Italian consumer-credit company (Credito Agricole / Intesa Sanpaolo joint venture). Comparable as both an Affida bank-convention partner and a direct lender competing for similar consumers.
• Compass Banca: Mediobanca group's consumer-finance subsidiary offering personal loans and CQS. Comparable as a bank-convention partner of Affida and a direct competitor for similar Italian retail credit products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCRKkNIIHVt1MCy15iMLclMA
• Facebookfacebook.com/affidasrl
• LinkedInlinkedin.com/company/affidasrl
• Instagraminstagram.com/affidasrl

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Affida