MaxFinance
MaxFinance is a Portuguese credit intermediation firm connecting consumers with 13+ banks through a nationwide network of 252+ certified intermediaries. It facilitates mortgage, personal, auto, and insurance credit, earning commissions from financial partners while providing free services to customers.
- Company typePrivate
- Founded2008
- HeadquartersSintra, Portugal
- Headcount101–250
- GTM typeB2C
- OfferingServices
What MaxFinance does
MaxFinance (legal entity: Max Finance - Intermediários de Crédito, Lda.) is a Portuguese credit intermediation company founded in 2008 and headquartered in Sintra, Portugal. It connects Portuguese consumers with 13+ partner financial institutions through a national network of 252+ Banco de Portugal-certified credit intermediaries spanning all 18 mainland districts plus Madeira and the Azores, distributing mortgage, personal loan, auto loan, and insurance products. The company is registered with Banco de Portugal (Registration No. 000177) under DL 81-C/2017 as a tied credit intermediary and operates an asset-light franchise model (e.g., Open Walls, MaxFinance ILHAS, DOMINUS, FORTUNE, Fasquia Crescente) in addition to direct branches.
The company's product stack combines a centralized digital layer — a website with a suite of self-service financial simulators covering mortgages, transfers, Euribor variation, IMI (property tax), IMT and stamp duty, capital gains, net salary, early repayment, and a financial check-up — with a distributed offline layer of in-person intermediaries. Lead capture flows through online contact forms and SEO-oriented simulator usage, then routes to the nearest certified intermediary for advisory, bank-comparison, and process support. The platform includes internal bank API integration for credit applications, available to franchisees as a system benefit. Distribution combines a multi-channel digital presence (blog, Facebook, Instagram, X, LinkedIn, YouTube) with the physical intermediary network.
MaxFinance is remunerated exclusively through commissions paid by partner financial institutions for successful credit originations; services are explicitly free for end customers. The company is a subsidiary of Everybody Wins Group - Sociedade Gestora de Participações Sociais, S.A., which also holds interests in RE/MAX Portugal. Scale signals include €265 million in mortgage sales facilitated in October 2025 (company record), 25,000+ families assisted since founding, and a marketing campaign reach exceeding 4 million people. The company has received Escolha do Consumidor and Eleito Produto do Ano recognition for 2026.
MaxFinance firmographics
Firmographics- Name
- MaxFinance
- Legal name
- Max Finance - Intermediários de Crédito, Lda
- Website
- https://maxfinance.pt
- Company type
- Private
- Founded year
- 2008
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- MaxFinance is a Portuguese credit intermediation firm connecting consumers with 13+ banks through a nationwide network of 252+ certified intermediaries. It facilitates mortgage, personal, auto, and insurance credit, earning commissions from financial partners while providing free services to customers.
- Ownership category
- akta.pro rank
MaxFinance industry classification
Industry- Product category
- Credit Intermediation Services
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Debt Consolidation & Credit Card Balance Transfer Intermediation (FSAEAEAN)
- akta.pro secondary industry
- Credit Card Debt Consolidation Loans (FSAKAIAC)
Keywords
Where MaxFinance is headquartered
LocationHeadquarters
- HQ city
- Sintra
- HQ country
- Portugal
- HQ region
- Europe
Offices6 records
Markets served
MaxFinance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Commission from Financial Institutions: MaxFinance receives commission payments from banks and financial institutions for credit intermediation services. The company is remunerated by the financial institutions, not by the customers. Services are free for clients.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free service for all customers |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels8 records
MaxFinance product offering
Product offeringCore offering
MaxFinance is a Portuguese credit intermediation company that connects individual consumers with partner banks and financial institutions to find the best mortgage, personal, car loan, and insurance products. All intermediation services are provided free of charge to the customer, with MaxFinance compensated through commissions paid by the partner banks for each successfully intermediated credit operation. Distribution relies on a national network of 252+ Banco de Portugal-certified credit intermediaries covering all 18 Portuguese districts, supported by an online platform of financial simulators and a financial check-up tool, plus a franchise model for geographic expansion.
Product overview
MaxFinance operates as a credit intermediation platform connecting Portuguese consumers with financial institutions. The core offering consists of four main products: Crédito Habitação (mortgage intermediation), Crédito Pessoal (personal loans), Crédito Automóvel (car loans), and Seguros (insurance), all facilitated through a national network of certified credit intermediaries. Supporting the intermediation services is a suite of digital financial tools including mortgage simulators, Euribor variation calculators, IMI property tax calculators, IMT transfer tax calculators, net salary simulators, and a financial check-up tool. The platform also operates a franchising model allowing entrepreneurs to establish MaxFinance branches.
Differentiator
Problem solved
Functional benefit
Products and services
- Crédito Habitação (Mortgage Loan Intermediation)
Quantifiable outcome
- €265 million in mortgage sales in single month (October 2025), facilitating 1,500 families
- +3 more outcomes
Companies that use MaxFinance
Customer profileNamed customers1 record
Segments5 records
Ideal customer profiles5 records
MaxFinance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature7 records
MaxFinance partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core, regional and minor.
- Banco CTTcoreMajor Portuguese bank partner providing mortgage and consumer credit products through MaxFinance intermediation network. One of the primary financial institution partners.
- CofidiscoreConsumer credit specialist partner offering personal loan and credit card products through MaxFinance network.
- Banco Santander TottacoreMajor Portuguese banking group partner (subsidiary of Santander) providing credit products through MaxFinance intermediaries.
- Caixa Geral de DepósitoscoreState-owned Portuguese bank, one of the largest in the country, partner for mortgage and credit products.
- BankintercoreSpanish bank with Portuguese branch offering mortgage and personal credit through MaxFinance network.
- Banco BPIcorePortuguese banking group providing credit products through MaxFinance intermediation.
- Novo BancocoreMajor Portuguese bank offering mortgage and credit solutions via MaxFinance network.
- Novo Banco dos AçoresregionalRegional bank serving the Azores islands, extending MaxFinance coverage to Portuguese autonomous region.
- ABANCAcoreSpanish banking group with strong presence in Portugal offering credit products through MaxFinance.
- BBVAcoreGlobal Spanish banking group providing consumer credit solutions via MaxFinance network.
- Unión de Créditos Inmobiliarios (UCI)coreSpecialized real estate credit institution offering mortgage products through MaxFinance.
- Crédito AgrícolacorePortuguese cooperative banking group with extensive rural and agricultural customer base, offering credit through MaxFinance.
- Banco BIC PortuguêsminorPortuguese bank partner providing additional credit options to MaxFinance customers.
- MDScoreInsurance partner providing comprehensive insurance solutions including life, home, auto, and health insurance through MaxFinance network.
- UnicreminorFinancial institution partner offering credit card and payment solutions through MaxFinance.
- SICAM - Caixa Central de Crédito Agrícola MútuominorCentral cooperative bank for Crédito Agrícola network providing additional coverage.
Scale indicators8 records
Recent moves6 records
Expansion highlights5 records
MaxFinance competitors and assessment
Company assessmentDirect peers
- GoCompare: UK financial comparison platform that earns commission by connecting consumers with credit, insurance, and banking providers. Comparable because of the same commission-on-comparison business model across personal credit, mortgages, and insurance, with an SEO/content-led acquisition engine.
- Compare the Market: UK comparison marketplace for credit, insurance, and household financial products. Comparable to MaxFinance as a multi-product consumer comparison platform with parallel revenue model (commission from partnered providers) and similar category coverage.
- LendingTree: US-based online loan marketplace that matches borrowers with multiple lenders across mortgage, personal, auto, and small-business credit, monetized via lender referral fees. Closest direct peer: multi-product credit comparison plus lender-network aggregation, with revenue tied to originated loan volume.
- MoneySuperMarket: UK-based price comparison marketplace that connects consumers with multiple financial providers across mortgages, loans, and insurance, earning referral commissions. Most comparable peer to MaxFinance because it pairs a certified-advisor/distribution network with comparison digital tooling and a commission-only model.
- Bankrate: US personal finance comparison site owned by Red Ventures that operates across mortgages, credit cards, and deposit products with referral-fee revenue model. Comparable in business model and category mix to MaxFinance, though it is primarily media-led rather than intermediary-led.
- Younited Credit: France-headquartered pan-European consumer credit platform that distributes personal loans through partner channels and digital interfaces. Comparable because it operates across multiple European jurisdictions with a hybrid digital/intermediary distribution model targeting the same customer use cases (consolidation, project finance).
Broad incumbents
- ABANCA: Spanish banking group with a growing Portuguese retail and mortgage franchise and a key MaxFinance partner bank. Comparable as a bancassurance-style retail credit distributor across Iberia — operates similar product categories (mortgage, personal, insurance) through branch and digital channels.
- Cofidis: Major European consumer credit specialist (Crédit Mutuel group) with a direct presence in Portugal offering personal loans and credit cards. Comparable to MaxFinance as both a partner and a competitor in consumer credit intermediation, but operates at larger scale as a direct originator rather than pure intermediary.
Others
- UCI (Unión de Créditos Inmobiliarios): Specialized real estate credit institution jointly owned by Santander and BNP Paribas with mortgage origination operations in Portugal and Spain. Listed as a MaxFinance partner but functions as an originating lender rather than intermediary; relevant as a counterparty/peer to MaxFinance's distribution economics.
Emerging players
- Creditas: Brazilian credit marketplace that originated as a broker connecting consumers with multiple lenders and has since moved into adjacent financial products. Comparable in originating intermediation model and operational scale to MaxFinance, though operating in a different LATAM regulatory regime.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
MaxFinance social profiles
Digital presenceMaxFinance financial estimates
Financial estimateRevenue estimate
Valuation estimate
MaxFinance leadership team
Management profileNumber of profiles
Profiles1 record
MaxFinance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
MaxFinance 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 MaxFinance
What does MaxFinance do?
MaxFinance is a Portuguese credit intermediation company that connects individual consumers with partner banks and financial institutions to find the best mortgage, personal, car loan, and insurance products. All intermediation services are provided free of charge to the customer, with MaxFinance compensated through commissions paid by the partner banks for each successfully intermediated credit operation. Distribution relies on a national network of 252+ Banco de Portugal-certified credit intermediaries covering all 18 Portuguese districts, supported by an online platform of financial simulators and a financial check-up tool, plus a franchise model for geographic expansion.
Is MaxFinance a public or private company?
MaxFinance is a private company. It is classified as corporate owned and is currently operating.
When was MaxFinance founded?
MaxFinance was founded in 2008. It employs 101 to 250 people.
Where is MaxFinance based?
MaxFinance is headquartered in Sintra, Portugal, in the Europe region.
How does MaxFinance make money?
One revenue line is on record: commission from Financial Institutions.
Who are MaxFinance's main competitors?
Direct peers on record are GoCompare, Compare the Market, LendingTree, MoneySuperMarket, Bankrate and Younited Credit. Broad incumbents are ABANCA and Cofidis. UCI (Unión de Créditos Inmobiliarios) is listed as an others. Creditas is listed as an emerging player.
Does MaxFinance have an API?
No public API is recorded for MaxFinance.
What industry is MaxFinance in?
MaxFinance's product category is Credit Intermediation Services. Its primary akta.pro industry code is FSAEAEAN, Debt Consolidation & Credit Card Balance Transfer Intermediation, with a secondary code of FSAKAIAC, Credit Card Debt Consolidation Loans. Its NAICS code is 522310 and its SIC code is 6163.