PARTNERS FINANCES Portugal

What PARTNERS FINANCES Portugal does

Partners Finances Portugal, operating through the legal entity Solução Finances S.A., is a Lisbon-headquartered credit intermediary registered with Banco de Portugal (registration nº0002508) and part of the MENTOR Group. The company intermediates debt consolidation, personal credit, and mortgage products on behalf of individual consumers, routing each application through a network of five banking partners (Santander, Cetelem, Cofidis, Montepio Crédito, and Unicre). It serves both property owners and tenants, employed individuals, civil servants, and self-employed professionals — using a sales-led model in which customers submit online simulation requests, receive analyst responses within 24 hours, and are guided through a five-stage process from request to funding disbursement.

The technology stack is modest and primarily transactional: an online credit consolidation simulator, standalone financial calculators (debt ratio, amortization schedule), a customer portal ("Água do Cliente") with bank account aggregation through Powens, and standard web-based CRM tooling. There is no disclosed AI/ML capability, no proprietary model, and no app; the underlying differentiator is the multi-lender distribution agreement combined with the analyst-led servicing model rather than technology ownership.

Revenue is generated as a commission, expressed as a percentage of the loan amount, charged only upon successful funding of a consolidation. Simulation and analysis are free without commitment. Pricing references include a TAEG cap of 13% and example monthly payments (e.g., €367.91/month on a €20,000 personal credit over 84 months at 11.9% TAEG). The company reports processing approximately 2,452 loan requests per year, supported by a 10-person team. No revenue figures, funding history, or ownership stake disclosures are available; the MENTOR Group is identified as the parent conglomerate, with group-level claims of 20+ years of sector experience, 11 years of French market leadership, and a cumulative 2 million+ families served across multiple European jurisdictions.

Name

PARTNERS FINANCES Portugal

Legal name

Partners Finances, S.A.

Website

https://partners-finances.pt

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

1–10 employees

Short description

Partners Finances Portugal (Solução Finances S.A.) is a Lisbon-based, Banco de Portugal-registered credit intermediary that routes individual consumers' debt consolidation, personal credit, and mortgage requests through a network of five banking partners, earning transaction commissions on funded loans.

Ownership category

akta.pro rank

Product category

Consumer Credit Services

NAICS

Other Nondepository Credit Intermediation (52229)

SIC

Loan Brokers (6163)

akta.pro primary industry

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

akta.pro secondary industry

Debt Consolidation & Credit Card Balance Transfer Intermediation (FSAEAEAN)

Keywords

• Debt consolidation services
• Credit intermediation brokerage
• Personal loan advisory
• Mortgage refinancing solutions
• Consumer credit consolidation

Headquarters

HQ city

Lisbon

HQ country

Portugal

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Loan Commission: The company charges a percentage of the loan amount only when financing is completed. The analysis of the request is free and without commitment. The commission is included in the proposal presented to the client.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Partners Finances Portugal is a credit intermediary (intermediário de crédito vinculado) registered with Banco de Portugal that consolidates multiple existing debts — personal loans, consumer credits, and mortgages — into a single loan with one reduced monthly payment. The company connects individual clients to a network of banking partners (Santander, Cetelem, Cofidis, Montepio Crédito, Unicre), offering free simulations, personalized financial analysis, and end-to-end accompaniment through a five-stage process from request to disbursement.

Product overview

Partners Finances Portugal operates as a credit intermediary offering three core products: Crédito Consolidado (debt consolidation), Crédito Pessoal (personal loan), and Crédito Habitação (mortgage). The main product is debt consolidation, which combines multiple existing credits into a single loan with reduced monthly payments. The company provides an online simulation tool, financial evaluation calculators (debt ratio and amortization), and a customer portal with bank account access. Services include personalized financial analysis and dedicated analyst support through a five-stage loan process. Solutions are adapted for both tenants and property owners, and may include additional liquidity options.

Differentiator

Problem solved

Functional benefit

Products and services

• Crédito Consolidado (Debt Consolidation)

Quantifiable outcome

• Reduce monthly payments by 30% to 60%
• +2 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core and support.

• Banco SantandercoreChannel Partner/ Reseller/ DistributorBanking partner providing credit solutions for debt consolidation operations. One of the partner banks in the network offering competitive rates to Partners Finances clients.
• CetelemcoreChannel Partner/ Reseller/ DistributorBanking partner specializing in consumer credit, providing financing solutions for Partners Finances clients seeking debt consolidation.
• CofidiscoreChannel Partner/ Reseller/ DistributorPartner bank offering credit solutions for debt consolidation and refinancing operations through the Partners Finances network.
• Montepio CréditocoreChannel Partner/ Reseller/ DistributorMutual institution banking partner providing credit solutions as part of the Partners Finances partner network.
• UnicrecoreChannel Partner/ Reseller/ DistributorBanking partner offering credit card and consumer financing solutions integrated into Partners Finances debt consolidation offerings.
• PowenssupportTechnology or IntegrationTechnology partner providing bank account aggregation services to facilitate dossier management and financial analysis for credit applications.

Scale indicators6 records

Recent moves2 records

Expansion highlights5 records

Broad incumbents

• Cetelem (BNP Paribas Personal Finance): BNP Paribas subsidiary and major consumer-credit provider in Portugal. Serves as a partner bank supplying credit to Partners Finances while also distributing its own competing consolidation and personal loan offers.
• ABANCA (Portugal): Iberian retail and consumer-finance bank with a growing Portuguese presence in mortgage and personal credit. A broad incumbent alternative for customers considering debt consolidation.
• Banco CTT: Portuguese retail bank offering consumer credit, mortgage, and refinancing products. Represents a broad incumbent that competes with Partners Finances for the same debt consolidation customers via its own balance sheet.
• Cofidis: Large European consumer-credit specialist active in Portugal. Functions both as a banking partner for Partners Finances and as a broad incumbent offering competing credit consolidation and personal loan products directly.
• Banco BPI: One of Portugal's largest retail banks, offering mortgage and consumer credit directly. Competes with Partners Finances for household credit customers while also being a potential partner-bank channel.

Direct peers

• Credibom: Portuguese credit intermediary (now part of BPI group) offering credit consolidation, personal loans, and housing-related credit. Directly comparable in product mix, target segments, and intermediation model.
• Younited Credit: European consumer-credit platform operating across France, Italy, Spain, Germany, and Portugal. Directly competes with Partners Finances in online credit intermediation, including debt consolidation and personal loans, with a similar multi-lender distribution model.
• Crédipar: Portuguese credit intermediary specializing in credit consolidation and personal loans. Closest direct competitor in the Portuguese market, operating a similar bank-broker distribution model.
• UCI (Unión de Créditos Inmobiliários): Specialist mortgage and credit intermediary operating in Portugal and Spain. Comparable intermediation model focused on housing-related credit and refinancing for property owners.

Emerging players

• Floa Bank: French-born consumer credit fintech (BNP Paribas-affiliated) expanding digital lending and credit intermediation across Europe. An emerging digital-first competitor targeting similar consolidation and personal loan use cases.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/partners-finances-portugal

Compliance1 record

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 PARTNERS FINANCES Portugal