MAXFINANCE Portugal

What MAXFINANCE Portugal does

MAXFINANCE Portugal, operating commercially as MAXFINANCE EXITO (legal entity: Daniel Filipe Morgado, Unipessoal Lda), is a Portuguese credit intermediation firm registered with Banco de Portugal as a Tied Credit Intermediary (registration No. 005929). Founded in 2019 and headquartered at a single retail location on Av. Dr. Cândido Madureira in Tomar, the firm acts as a free intermediary between Portuguese consumers and more than 10 banking and financial partners, negotiating mortgage loans and transfers, personal loans in the €2,500–€75,000 range, auto loans, debt consolidation (marketed as reducing monthly obligations by up to 60%), and life and non-life insurance products. Services are delivered free to clients, with revenue derived exclusively from commissions paid by lending and insurance partners on successfully closed contracts.

The firm runs a sales-led, relationship-driven go-to-market concentrated at its Tomar storefront, supplemented by word-of-mouth and referral channels including membership in the BNI Performance group in Santarém. The team consists of three named professionals — Director Daniel Morgado (Certified Accountant and Statutory Auditor with 26 years of financial consulting experience), Store Director Luis Bragança (insurance distribution background spanning AXA, Açoreana, Global, and Mapfre), and Credit Processing Manager Mafalda Freitas (over 25 years in private client banking). Marketing is minimal, with no app, no proprietary digital platform, and a basic website collecting inbound contact requests.

The underlying technology is essentially absent: there is no proprietary platform, no API, no SDK, no automation, and no AI components described. The competitive proposition rests on regulatory authorization, multi-bank partnership breadth, certified advisory expertise, and the bureaucratic handling of credit applications on behalf of clients. Customer concentration is inherently diversified given the B2C retail credit model, but the lack of disclosed revenue, a small headcount, a single physical location, and no funding history place the firm in the small-scale, locally-oriented segment of the Portuguese credit intermediation market.

Name

MAXFINANCE Portugal

Legal name

Daniel Filipe Morgado, Unipessoal Lda

Website

https://maxfinanceexito.pt

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

MAXFINANCE Portugal (brand: MAXFINANCE EXITO) is a Banco de Portugal-authorized credit intermediary in Tomar, Portugal, serving individual Portuguese consumers by intermediating mortgages, personal loans, debt consolidation, auto loans, and insurance products through partnerships with over 10 banking entities on a commission-based model.

Ownership category

akta.pro rank

Product category

Credit Intermediation

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Multi-Loan / Multi-Creditor Consolidation Loans (FSAKAIAD)

Keywords

• Credit intermediation
• Mortgage brokerage
• Debt consolidation
• Personal loans
• Insurance brokerage

Headquarters

HQ city

Sintra

HQ country

Portugal

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Commission from Banking Partners: MAXFINANCE EXITO receives commissions from banking and financial entities with whom they have partnership agreements when clients contract credit products. The service is free for clients as the company is compensated by the lending institutions.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

MAXFINANCE Portugal (MAXFINANCE EXITO) is a Bank of Portugal-authorized credit intermediary that provides free advisory and brokerage services for mortgage loans, personal loans, auto loans, debt consolidation, and insurance products. The company negotiates with over 10 banking and financial partners on behalf of individual Portuguese consumers to secure competitive terms, and is compensated through partner commissions rather than client fees.

Product overview

MAXFINANCE EXITO is a credit intermediary authorized by Banco de Portugal (Registration No. 005929) offering a portfolio of financial products and services. The company acts as a credit intermediary, negotiating with over 10 banking and financial partners to present competitive solutions to consumers. The core product suite consists of Crédito Habitação (mortgage/home loans including new loans and transfers), Crédito Pessoal (personal loans ranging from €2,500 to €75,000), Consolidação de Créditos (debt consolidation combining multiple obligations into one reduced payment), Crédito Automóvel (auto financing), and Seguros (life and non-life insurance). The company provides free advisory services, handling all bureaucratic processes on behalf of clients and earning commissions from banking partners rather than charging clients directly.

Differentiator

Problem solved

Functional benefit

Products and services

• Crédito Habitação (Mortgage/Home Loans) Mortgage and home loan services for Portuguese residents, including new home purchase financing and mortgage transfers. The service analyzes customer documentation, calculates maximum financing limits and debt-to-income ratios, and negotiates with banking partners to secure optimal conditions.
• Crédito Pessoal (Personal Loans) Personal loan services for Portuguese consumers, with loan amounts ranging from €2,500 to €75,000 and repayment terms up to 84 months (10 years for specific purposes). Suitable for automobile purchases, home improvements, studies, or other personal projects.
• Consolidação de Créditos (Debt Consolidation) Debt consolidation service that combines multiple loans (personal credits, credit cards, salary accounts, auto loans) into a single monthly payment, potentially reducing monthly burden by up to 60%. Can include mortgage loans with or without collateral.
• Crédito Automóvel (Auto Loans) Auto loan services for purchasing new vehicles with more competitive conditions compared to standard personal loans. The company negotiates with banking partners to secure favorable financing terms for automobile acquisition.
• Transferência Crédito Habitação (Mortgage Transfer) Home loan transfer/migration service that helps customers move their existing mortgage to a different lender to obtain better terms, typically when the spread exceeds 1%.
• Seguros (Insurance) Insurance brokerage services including life insurance and non-life insurance, leveraging partnerships with insurance providers to offer competitive insurance solutions to customers.

Quantifiable outcome

• Up to 60% reduction in monthly debt payments through consolidation
• +1 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Over 10 Banking and Financial EntitiescoreChannel Partner/ Reseller/ DistributorMAXFINANCE EXITO maintains active partnership agreements with more than 10 banking and financial institutions in Portugal. These partnerships enable the company to present clients with competitive credit and financial products, negotiating on their behalf to obtain optimal rates and terms.

Scale indicators2 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• Cofidis: European consumer credit intermediary (Crédit Mutuel group) that operates in Portugal offering personal loans, credit consolidation, and related products. Directly comparable as an active intermediation channel with multiple banking partners serving the same Portuguese consumer credit demand.
• Younited Credit: European online consumer credit marketplace that aggregates multiple lenders and offers consumer loans via a digital application flow. Directly comparable as a multi-partner credit intermediation platform targeting the same personal-loan and refinancing demand.
• Credissimo: Portuguese online credit broker that compares credit products from multiple lenders for consumers. Comparable intermediation business model and target market to MAXFINANCE, with an earlier digital onboarding approach.
• CA Consumer Finance: Crédit Agricole's Portuguese consumer finance arm offering personal loans and credit intermediation. Overlapping product portfolio (personal loans, refinancing) and Portuguese retail customer base with MAXFINANCE.
• Cetelem (BNP Paribas Personal Finance): BNP Paribas's Portuguese consumer credit brand providing personal loans, auto loans, and credit cards. Similar intermediation/advisory motion across banking partners and overlapping customer segment with MAXFINANCE.
• Findirect: Portuguese credit brokerage providing mortgage and personal credit intermediation services. Comparable as a Portuguese-focused multi-product credit intermediary serving similar consumer demand.

Broad incumbents

• Banco CTT: Portuguese retail bank originating mortgages, personal loans, and credit cards through its own balance sheet. Overlap exists in consumer credit products, though Banco CTT is a depository originator rather than a broker.
• ABANCA: Portuguese retail banking subsidiary of Spanish ABANCA, offering mortgages, consumer credit, and insurance. Competes with MAXFINANCE in consumer credit origination while operating with a much broader product set.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/maxfinance-exito

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

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 MAXFINANCE Portugal