Auxilia Finance

Name

Auxilia Finance

Legal name

Auxilia Finance S.p.A.

Website

https://auxiliafinance.it

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

251–500 employees

Ownership category

akta.pro rank

Product category

Credit Brokerage

NAICS

Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163)

akta.pro primary industry

Debt & Structured Finance / Mortgage Brokerage (BPAJABAK)

Keywords

• Credit mediation services
• Mortgage brokerage
• Personal loan distribution
• Salary assignment loans
• Business financing brokerage

Headquarters

HQ city

Rome

HQ country

Italy

HQ region

Europe

Offices13 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Mediation Commission: As a credit mediator (Mediatore Creditizio), Auxilia Finance earns commissions from both the bank that evaluates and disburses the financing, as well as from the client, exclusively when the financing is obtained. This dual-commission model is standard for credit mediation in Italy.
2. Insurance Products: Distribution of insurance products including credit protection insurance (CPI danni) and life insurance (TCM vita) as complementary products to financing services

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

Auxilia Finance is an Italian credit mediator (Mediatore Creditizio) that connects individual and business clients seeking financing with over 50 partner banks and financial institutions. It distributes mortgages, personal loans, salary-assignment loans (cessione del quinto), TFS financing, business financing, and complementary insurance products through a national network of 300+ credit consultants and physical Auxilia Point offices, earning commissions from both the disbursing bank and the client upon successful financing approval.

Product overview

Auxilia Finance S.p.A. is a credit intermediary (mediatore creditizio) offering a comprehensive suite of financial products through a multi-channel distribution model. The core product portfolio includes mortgages (Mutui), personal loans (Prestiti Personali), salary assignment loans (Cessione del Quinto), employee termination benefit financing (TFS), business financing (Finanziamenti Aziendali), and insurance products (Assicurazioni). These products are distributed through over 50 partner banks and financial institutions. The company operates through physical Auxilia Point offices across major Italian cities, a network of over 300 credit consultants, and an online consultation service (Consulenza On Demand) via Google Meet. Digital tools include electronic document management (Pratiche Telematiche) and contractor invoicing platforms. Strategic partnerships with PerMicro, Metacasa (AI property valuation), and Æqua Finance extend the product capabilities. The company is 100% owned by FIAIP (Federazione Italiana Agenti Immobiliari Professionali) and is registered with OAM as mediator M21.

Differentiator

Problem solved

Functional benefit

Products and services

• Mutui (Mortgages) Mortgage products sourced from over 50 partner banks, covering home purchases, property refinancing, and home renovation financing for Italian consumers and families.
• Prestiti Personali (Personal Loans) Personal loan products distributed through partner banks including Agos, Compass, Younited, Findomestic, UCFS, and ViViBanca, for individuals financing personal projects and life improvements.
• Cessione del Quinto (Salary Assignment Loan) Loans secured by assignment of one-fifth of salary, offered through specialized partners including IBL Banca, Banca Sistema, Ifiver, and Capitalfin, targeting public and private employees.
• Trattamento di Fine Servizio (TFS) Financing Financing against employee termination benefits (Trattamento di Fine Servizio) for Italian public sector employees.
• Provvigione Agenzia Immobiliare (Real Estate Agency Commission Financing) Financing solutions for real estate agency commissions, enabling property transactions to proceed by funding agent fees.
• Finanziamenti Aziendali (Business Financing) Financing solutions for Italian SMEs, artisan businesses, professional studios, and individual professionals, offered through partners including Clessidra, Aidexa, and Confeserfidi, including working capital and chirographic financing.
• Assicurazioni (Insurance) Insurance products to protect person, home, income, and health, including credit protection insurance (CPI danni) and life insurance (TCM vita) coverage, distributed as complementary products to financing services.
• PerMicro Financial Inclusion Loans Exclusive partnership with PerMicro providing financial and social inclusion loans, with 80% targeting families and 56% supporting entrepreneurial activities.

Quantifiable outcome

• +25% increase in disbursements in H1 2025 compared to H1 2024

Named customers11 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature3 records

Partnerships

14 partnerships are on record, tiered core and major.

• MetacasacoreStrategic or Co-development Partner · 1 November 2025AI-powered real estate platform partnership to enhance property value assessment and credit solutions. The partnership leverages AI technology to help clients maximize their real estate asset value.
• Æqua Finance Mediazione CreditiziacoreStrategic or Co-development Partner · 5 February 2025Strategic partnership with acquisition of a capital share to create the largest network of credit consultants. Æqua Finance handles cessione del quinto (fifth credit) operations with data sharing from Auxilia Finance upon explicit client consent.
• PerMicrocoreStrategic or Co-development PartnerExclusive partnership providing financial inclusion services. PerMicro focuses on loans to families (80%) and entrepreneurial activities (56%), offering social and financial inclusion opportunities.
• BNL BNP ParibascoreTechnology or IntegrationMajor banking partner for mortgage products with joint 'Drive the Future' top performer awards program recognizing excellence in sales performance.
• Credit AgricolecoreTechnology or IntegrationBanking partner for mortgage and loan products, active participant in Auxilia Finance conventions and industry events.
• Banco BPMcoreTechnology or IntegrationPrimary banking partner for mortgage products with nationwide coverage.
• FIAIP - Federazione Italiana Agenti Immobiliari ProfessionalicoreStrategic or Co-development PartnerAuxilia Finance is 100% owned by FIAIP, Italy's leading real estate agent association. This provides exclusive access to the association's member network for referrals.
• AgosmajorTechnology or IntegrationConsumer credit partner for personal loans distributed through Auxilia's network.
• CompassmajorTechnology or IntegrationConsumer credit partner for personal loans with digital integration capabilities.
• IBL BancamajorTechnology or IntegrationSpecialized banking partner for cessione del quinto (fifth credit) products.
• UIL PoliziamajorChannel Partner/ Reseller/ DistributorUnion partnership offering exclusive credit conditions for police personnel members, including preferential rates on mortgages, personal loans, and fifth credit products.
• ADICONSUMmajorChannel Partner/ Reseller/ DistributorConsumer defense association partnership providing FREE CREDIT CHECK-UP service designed to offer families adequate financial education and tools to evaluate and choose between different credit solutions.
• CassaForensemajorChannel Partner/ Reseller/ DistributorNational pension fund for lawyers partnership offering preferential banking and insurance conditions for members including mortgages, financing, and account services.
• SIAP - Sindacato Italiano Appartenenti PoliziamajorChannel Partner/ Reseller/ DistributorPolice union partnership providing members with best conditions for mortgages, personal loans, financing, and fifth credit through major banking institutions.

Scale indicators7 records

Recent moves13 records

Expansion highlights6 records

Direct peers

• MutuiOnline: Italian mortgage and personal loan broker and comparison platform operating through both digital and human-advisor channels. Direct competitor to Auxilia Finance in residential mortgage intermediation across Italy.
• Segugio.it: Italian financial product comparison platform (insurance, mortgages, loans) owned by Gruppo MutuiOnline. Competes with Auxilia in mortgage lead generation and intermediation.
• Facile.it: Italy's largest price-comparison platform for financial, insurance, and utility products. Directly overlaps with Auxilia in mortgage and personal loan brokerage.
• PrestitiOnline: Italian online personal loan and credit comparison and brokerage service. Comparable to Auxilia in distributing consumer credit products through partner banks.
• Euroansa: Italian financial brokerage (mediatore creditizio) with a multi-product offering and consultant network model very similar to Auxilia's footprint, providing mortgages, personal loans, and insurance through affiliated agents.

Broad incumbents

• Younited: European consumer credit platform operating in Italy that originates personal loans directly and partners with distributors. Overlaps with Auxilia's personal loan distribution business.
• Agos Ducato: Italian consumer credit company (joint venture between Crédit Agricole and Banco BPM) that both distributes through partners like Auxilia and originates loans directly. Competes in personal loans and cessione del quinto.
• Compass: Mediolanum Group's consumer credit arm offering personal loans and salary-backed lending in Italy. Both a banking partner for Auxilia and a competitor in consumer credit origination.
• Findomestic: BNP Paribas-owned Italian consumer credit provider for personal loans. Both partners with Auxilia and a competitor in the consumer credit distribution market.
• BNL BNP Paribas: Major Italian retail and commercial bank that is both a top banking partner for Auxilia and a competitor in mortgage origination. Reflects the dual partner/competitor dynamic typical of credit mediation in Italy.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCarVwEjpm_EmV8p0I8m2SPQ
• Facebookfacebook.com/Auxilia-Finance-1463194670659569
• LinkedInit.linkedin.com/company/auxilia-finance-spa
• Instagraminstagram.com/auxiliafinanceofficial
• Xx.com/auxiliafinance

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 record

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 Auxilia Finance