24Max
24Max is an Italian credit brokerage (Proxipo S.p.A.) that intermediates mortgages, personal loans, and cessione del quinto through 134 credit specialists embedded inside RE/MAX Italia's real estate agencies, earning transaction commissions from a panel of 20+ partner banks.
- Company typePrivate
- Founded2018
- HeadquartersMilano, Italy
- Headcount11–50
- GTM typeB2C
- OfferingServices
What 24Max does
24Max (legal entity: Proxipo S.p.A.) is an Italian credit brokerage company founded in 2018 and headquartered in Milan. The company intermediates mortgages, personal loans, cessione del quinto (salary- and pension-backed loans), and business credit on behalf of customers by brokering them to a panel of more than 20 partner banks including Agos, BNL, Credit Agricole, ING, Mediobanca, IBL Banca, Younited, and Banca Monte dei Paschi di Siena. Revenue is generated exclusively through transaction-based commissions paid by the partner banks; no fees are charged directly to the customer. The licensed entity holds OAM (Organismo Agenti e Mediatori) registration M447 and IVASS RUI registration E000617320, and is GDPR-compliant.
24Max's defining operational feature is its "corner" distribution model: 134 credit specialists (as of end-2025) are physically embedded inside RE/MAX Italia's 450+ real estate agencies across Italy, allowing them to advise home buyers at the moment of property search. Approximately 39% of all practices originate from these embedded locations. The supporting technology stack consists of a custom-built CRM and a fully rebuilt back-office system (deployed 2024) with dedicated workflows for loans and cessione del quinto, plus 24Max University for ongoing specialist training (380 hours delivered in 2025). The company also offers a fully online service channel for remote loan processing.
The business has scaled rapidly since the 2019 launch: intermediated volume grew from €36.2M (2019) to €231.3M (2025), with 1,729 rogitate practices in 2025. Revenue reached €5.1M in 2024 and €6.13M (€7.5M including the Top Insurance Broker subsidiary) in 2025. In July 2023, Proximm S.p.A. — the master franchise holder of RE/MAX in Italy — acquired the remaining 49% stake from 24Finance Mediazione Creditizia, taking 100% ownership and installing Dario Castiglia (CEO & Founder of RE/MAX Italia) as CEO. Recent product extensions include the 2024 launch of Top Insurance Broker (85% RE/MAX-owned) and a 2025 Corporate Credit Division targeting SMEs and freelancers.
24Max firmographics
Firmographics- Name
- 24Max
- Legal name
- Proxipo S.p.A.
- Website
- https://24max.it
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- 24Max is an Italian credit brokerage (Proxipo S.p.A.) that intermediates mortgages, personal loans, and cessione del quinto through 134 credit specialists embedded inside RE/MAX Italia's real estate agencies, earning transaction commissions from a panel of 20+ partner banks.
- Ownership category
- akta.pro rank
24Max industry classification
Industry- Product category
- Credit Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Bridge & Short-Term Real Estate Loan Intermediation (FSAEAEAG)
Keywords
Where 24Max is headquartered
LocationHeadquarters
- HQ city
- Milano
- HQ country
- Italy
- HQ region
- Europe
Offices5 records
Markets served
24Max business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Mortgage Intermediation Commission: 24MAX acts as a credit broker between customers seeking mortgages and its network of over 20 partner banks. The company earns commissions from banks for successfully intermediated mortgage loans. Practices collected and rogitated generate revenue from these commissions.
- Personal Loans and Cession of Fifth: Revenue from intermediating personal loans and cessione del quinto (salary-backed loans), with 31% growth in 2024 for personal loans and 49.2% growth for cessione del quinto
- Insurance Products: Revenue from insurance policies intermediated through the network, with 51.8% growth in 2024. Also through affiliated company Top Insurance Broker
- Corporate Credit Division: New corporate division launched in 2025 targeting business credit needs for SMEs and corporations
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Mortgage intermediation services - commission-based |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels7 records
24Max product offering
Product offeringCore offering
24Max is a credit brokerage (mediatore creditizio) that intermediates mortgages, personal loans, salary-backed loans (cessione del quinto), and business credit between customers and a network of over 20 partner banks across Italy. The company operates a distinctive distribution model with credit specialists embedded within RE/MAX real estate agencies, providing in-person credit advisory at the point of property search, complemented by a fully online loan application process. Revenue is earned through commissions paid by partner banks on successfully intermediated loan practices, with no direct fees charged to customers.
Product overview
24Max operates as a credit mediation company offering a portfolio of credit products delivered through its network of Credit Specialists positioned within RE/MAX real estate agencies. The core product suite includes Mutui Immobiliari (real estate mortgages with variants for purchases, renovation, green projects, and young buyers), Prestiti Personali (personal loans), Cessione del Quinto (salary/pension assignment loans), and Credito alle Imprese (business credit for professionals and SMEs). The company expanded in 2024 with Top Insurance Broker for insurance products, and launched a Corporate Division in 2025. All products are offered through the distinctive corner model where credit consultants work alongside real estate agents within RE/MAX agencies, providing immediate financial consulting during property searches.
Differentiator
Problem solved
Functional benefit
Products and services
- Mutui Immobiliari (Mortgages) Real estate mortgage intermediation including purchase mortgages, renovation mortgages, green mortgages, mortgages for young buyers under 36, subrogations, and refinancing. Offers up to 100% of property appraisal value with durations up to 30 years. Targeted at individual home buyers across Italy.
- Prestiti Personali (Personal Loans) Personal loan intermediation providing immediate liquidity for personal projects, debt consolidation, and other financial needs. Amounts up to 75,000 euros with repayment terms between 24 and 120 months. Targeted at individual consumers across Italy.
- Cessione del Quinto Salary or pension assignment loan intermediation allowing borrowers to obtain liquidity with repayment deducted directly from salary or pension, up to 75,000 euros with 24-120 month terms. Targeted at employees and pensioners across Italy.
- Credito alle Imprese (Business Credit) Credit intermediation solutions for self-employed professionals, freelancers (Partita IVA), and small/medium enterprises providing liquidity and supporting business activities through specialized partner products including leasing, commercial mortgages, and business loans.
- Corporate Division Corporate credit services division that intermediates business credit solutions for SMEs and corporations, expanding 24Max's credit mediation services beyond retail mortgage and personal loan products into the corporate segment.
- Top Insurance Broker Insurance brokerage company offering insurance products including professional liability coverage for real estate agents and insurance packages. Generated nearly 1 million euros in policies issued in its first year. 85% owned by RE/MAX Italia.
Quantifiable outcome
- 2025: 3,838 practices loaded for €513.1M (+39.1% YoY), 1,729 rogitate for €231.3M (+44.6% YoY)
- +5 more outcomes
Companies that use 24Max
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles4 records
24Max technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
24Max partnerships and signals
Strategic signalPartnerships
20 partnerships are on record, tiered core and minor.
- Banca Monte dei Paschi di SienacoreBanca Monte dei Paschi di Siena joined 24MAX's network of partner banks in October 2023, strengthening the portfolio of credit offerings available to customers through credit specialists.
- Agos DucatocoreLong-standing banking partner providing personal loans and credit products through 24MAX network
- Banca di Credito Cooperativo di Roma (BCC Roma)coreBanking partner providing credit solutions through 24MAX credit specialists
- Banca Nazionale del Lavoro (BNL)coreMajor national banking partner in 24MAX's network
- CompasscoreConsumer credit partner providing personal loan products
- Cassa di Risparmio di AsticoreRegional banking partner strengthening territorial coverage in Northern Italy
- Credit Agricole (Cariparma, Carispezia, FriulAdria)coreMajor international banking group with multiple Italian subsidiaries as 24MAX partners
- INGcoreDigital banking partner expanding 24MAX's product offerings
- IBL BancacoreSpecialized banking partner in 24MAX network
- YounitedcoreOnline lending platform partner for credit solutions
- PrestiamocicorePeer-to-peer lending partner in 24MAX network
- BiverBanca (Cassa di Risparmio di Biella e Vercelli)coreRegional banking partner in 24MAX network
- Banca del Veneto CentralecoreRegional banking partner in 24MAX network
- ExtrabancacoreBanking partner in 24MAX network
- Banca Centro Lazio Credito CooperativocoreRegional cooperative bank partner
- FincontinuocoreFinancial services partner in 24MAX network
- MediobancacoreMajor Italian banking group partner
- Banca AidexacoreDigital banking partner in 24MAX network
- Top Insurance BrokerminorInsurance brokerage company launched by 24MAX/RE/MAX group. 85% owned by RE/MAX Italia. Produced nearly €1M in policies in first year (2024). Provides rc professional insurance for 4,000 RE/MAX agents and insurance packages.
- Proximm S.p.A. (RE/MAX Italia)coreParent company - master franchise holder of RE/MAX for Italy. Owns 100% of category A shares of 24MAX following acquisition of 24Finance's 49% stake in July 2023. Dario Castiglia (CEO of RE/MAX Italia) also serves as CEO of 24MAX.
Scale indicators19 records
Recent moves7 records
Expansion highlights6 records
24Max competitors and assessment
Company assessmentDirect peers
- Euroansa: Italian credit broker with a national branch network intermediating mortgages, personal loans, and other credit products. Direct competitor using a similar advisor-driven intermediation model, although without the embedded real estate agency distribution that 24MAX has.
- Kìron (Epicas): Italian credit brokerage (mediatore creditizio) operating a similar intermediation model for mortgages, personal loans, and cessione del quinto. Direct competitor to 24MAX in the Italian credit intermediation market with comparable customer segments and bank partner networks.
- PrestitiOnline: Italian online credit broker specializing in personal loans and mortgages. Direct competitor in the Italian credit intermediation market with a digital-first model that competes for the same retail customer base.
Broad incumbents
- MutuiOnline: Italy's leading online mortgage comparison and intermediation platform, part of Gruppo MutuiOnline. Broad incumbent in the Italian mortgage intermediation space with a digital-first model that competes for the same customer demand that 24MAX serves through physical corners.
- Compass: Major Italian consumer credit company (Mediolanum group) providing personal loans, salary-backed loans (cessione del quinto), and other credit products. Both a 24MAX bank partner and a broad incumbent competitor in the consumer credit intermediation space.
- Facile.it: Italy's largest price comparison platform covering mortgages, insurance, energy, and other financial products. Broad incumbent offering online comparison and intermediation services that overlap with 24MAX's mortgage intermediation offering.
- Agos: Major Italian consumer credit company (Crédit Agricole group) providing personal loans and credit products. Both a long-standing 24MAX bank partner and a broad incumbent competitor in consumer credit intermediation.
- Findomestic: Italian consumer credit company (BNP Paribas group) offering personal loans and credit products. Broad incumbent in the consumer credit market, partially overlapping with 24MAX's personal loan and cessione del quinto intermediation.
Emerging players
- Younited: French online lending platform with established Italian operations, providing consumer credit products. Both a 24MAX bank partner and an emerging digital-first competitor in Italian consumer credit.
- Banca Aidexa: Italian digital bank offering consumer and business credit products. Both a 24MAX bank partner and an emerging digital competitor in the Italian credit market, with a younger, tech-forward positioning.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
24Max social profiles
Digital presence24Max compliance and trust
Trust signalCompliance4 records
24Max financial estimates
Financial estimateRevenue estimate
Valuation estimate
24Max leadership team
Management profileNumber of profiles
Profiles5 records
24Max subsidiaries and ownership
Company hierarchySubsidiaries1 record
24Max funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
24Max 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 24Max
What does 24Max do?
24Max is a credit brokerage (mediatore creditizio) that intermediates mortgages, personal loans, salary-backed loans (cessione del quinto), and business credit between customers and a network of over 20 partner banks across Italy. The company operates a distinctive distribution model with credit specialists embedded within RE/MAX real estate agencies, providing in-person credit advisory at the point of property search, complemented by a fully online loan application process. Revenue is earned through commissions paid by partner banks on successfully intermediated loan practices, with no direct fees charged to customers.
Is 24Max a public or private company?
24Max is a private company. It is classified as corporate owned and is currently operating.
When was 24Max founded?
24Max was founded in 2018. It employs 11 to 50 people.
Where is 24Max based?
24Max is headquartered in Milano, Italy, in the Europe region.
How does 24Max make money?
Four revenue lines are on record. Mortgage Intermediation Commission is the primary driver. The others are personal Loans and Cession of Fifth, insurance Products and corporate Credit Division.
Who are 24Max's main competitors?
Direct peers on record are Euroansa, Kìron (Epicas) and PrestitiOnline. Broad incumbents are MutuiOnline, Compass, Facile.it, Agos and Findomestic. Emerging players are Younited and Banca Aidexa.
Does 24Max have an API?
No public API is recorded for 24Max.
What industry is 24Max in?
24Max's product category is Credit Brokerage. Its primary akta.pro industry code is FSAEAEAG, Bridge & Short-Term Real Estate Loan Intermediation. Its NAICS code is 522310 and its SIC code is 6163.