What QUANTUM CREDITECH S.P.A. does

Quantum Creditech S.p.A. is an Italian credit mediation company (società di mediazione creditizia) authorized by the OAM in April 2024 under registration M614 and registered as an Innovative Startup. It operates a nationwide network of specialized credit and insurance consultants distributed across Italy, intermediating mortgages, personal loans, insurance products, and cessione del quinto (salary/pension-backed loans) between consumers and approximately 40 partner banking institutions, including Mediobanca Premier, ING, Crédit Agricole, and BNL. Headquartered in Milano (Via Aldo Lusardi 7), the company has recently expanded with a consulting point in Casoria (Naples) and an exclusive partnership with real estate agency group CasaÈ, embedding credit services into property transactions.

The company runs on a commission-based revenue model regulated by Bank of Italy (reported Q2 2025 averages of 1.47% for business financing, 1.88% for mortgages, and 6.79% for family financing), earning transaction fees on each successfully intermediated credit or insurance product. Distribution is hybrid: field consultants operating via agency contracts (led by Team Managers and Partner Managers such as Raffaele Maisto in Casoria) are paired with a digital self-service layer — the quantumcreditech.it website offers free mortgage/loan/insurance calculators, contact forms, and Advanced Electronic Signature services, with a planned 'Find Collaborator' geolocation tool.

Capital structure and governance reflect a recent consolidation: in November 2024, Ifin Holding Srl (controlled by industrialist Fernando Spallanzani of Interacciai) and Bluestar Srl (controlled by founder/CEO Bonaventura Moscariello) acquired 60% and 40% stakes respectively through the 24 Investment holding, integrating 24 Finance's established nationwide network (~95 collaborators, ~€175M intermediated mortgages in 2023) with Quantum Creditech's technology stack. The board is chaired by Flavio Miglioli, with Marco Mondini serving as CEO. Subscribed share capital stands at €8.36M against €10M authorized. Insurance mediation is delivered through subsidiary Quantum Broker d'Assicurazioni, supporting a bundled credit-plus-protection offering.

Name

QUANTUM CREDITECH S.P.A.

Legal name

Quantum Creditech S.p.A.

Website

https://quantumcreditech.it

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

11–50 employees

Short description

Quantum Creditech S.p.A. is an Italian OAM-registered credit brokerage firm that mediates mortgages, personal loans, insurance, and salary-backed loans for Italian consumers through a nationwide consultant network and a digital platform with predictive algorithms, leveraging approximately 40 banking partnerships.

Ownership category

akta.pro rank

Product category

Credit Brokerage Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Nondepository Credit Intermediation (5222)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)

Keywords

• Credit brokerage services
• Mortgage mediation
• Personal loans
• Insurance brokerage
• Fifth assignment loans

Headquarters

HQ city

Milano

HQ country

Italy

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Mediation Commissions: Commission-based fees earned on credit intermediation between banks/financial institutions and clients for mortgages, personal loans, and cessioni del quinto. Fees are typically a percentage of the financed capital as reported by Bank of Italy (1.47% for business financing, 6.79% for family financing, 1.88% for mortgage loans).
2. Insurance Mediation: Commissions from insurance products distributed through Quantum Broker d'Assicurazioni, including property, life, unemployment, and liability insurance policies.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Quantum Creditech S.p.A. is a credit and insurance brokerage intermediary (Società di mediazione creditizia) that mediates between Italian consumers and banking/insurance partners. It offers four core financial product categories — mortgages, personal loans, insurance, and fifth assignment loans (cessione del quinto) — through a nationwide network of specialized consultants and a digital platform with predictive algorithms for customized solutions.

Product overview

Quantum Creditech S.p.A. is a next-generation credit mediation company operating as a unified platform offering four core financial products: Mortgages (Mutui), Personal Loans (Prestiti Personali), Insurance (Assicurazioni), and Fifth Assignment Loans (Cessione del Quinto). The company operates through a nationwide network of specialized credit and insurance consultants. The digital platform serves as the core infrastructure, enhanced by complementary modules including free online calculators for real-time financial simulations and an Advanced Electronic Signature (FEA) service for secure document signing. The company differentiates through predictive algorithms that enable customized solutions, positioning it as a technology-forward alternative to traditional credit intermediaries.

Differentiator

Problem solved

Functional benefit

Products and services

• Mutui (Mortgages) Credit brokerage service for mortgage products offered in partnership with major banking institutions. Includes options for first/second home purchase, purchase with renovation, mortgage substitution/surrogation, liquidity mortgages, and debt consolidation mortgages. Consultants provide in-depth advisory based on experience, independence, and technical knowledge. For Italian consumers seeking real estate financing with durations of 5-30 years and fixed or variable rates.
• Prestiti Personali (Personal Loans) Credit brokerage service for personal loans for Italian residents with income from employment, self-employment, or pension. Loans up to €50,000 with durations from 12 to 120 months. No specification of purpose required. Consultants assist with debt consolidation by combining multiple financings into a single, more manageable monthly payment.
• Assicurazioni (Insurance) Insurance brokerage service offered in collaboration with Quantum Broker d'Assicurazioni. Includes fire and explosion coverage (mandatory for mortgages), home contents protection, accident and illness insurance, unemployment protection, temporary death coverage (TCM), and civil liability insurance. Also offers donation insurance for property transactions. For customers seeking comprehensive property, life, and income protection.
• Cessione del Quinto (Fifth Assignment Loan) Credit brokerage service for fifth assignment loans (cessione del quinto), a loan type repaid via salary or pension deduction up to 1/5 of income, fully guaranteed by life and unemployment insurance. Available to employees (public, parapublic, private) and pensioners, including those with negative credit history. Duration flexible from 24 to 120 months, with fixed rates and maturity up to 87 years for pensioners.
• Firma Elettronica Avanzata (FEA - Advanced Electronic Signature) Secure and convenient electronic signature service for contracts and documents, provided by a major sector company with Certification Authority qualification. Complies with DPCM 22/02/2013 technical requirements. For customers executing credit and insurance contracts through Quantum Creditech.

Quantifiable outcome

• Partnership network of approximately 40 banking institutions
• +1 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature4 records

Partnerships

Eleven partnerships are on record, tiered core and supporting.

• CasaÈ (guided by Antonio Pasca)coreStrategic or Co-development Partner · 30 April 2025Real estate agency group choosing Quantum Creditech as exclusive credit mediation partner; inaugurated new agency in Napoli (April 30, 2025); represents integrated service model combining real estate and credit services.
• 24 Finance (under 24 Investment holding)coreStrategic or Co-development Partner · 27 November 2024Established credit mediation operator with ~95 active collaborators nationwide, intermediated ~€175 million in mortgages in 2023, generating €4.5+ million in revenue. Provides industry expertise, consultant network, and banking conventions to Quantum Creditech.
• 24 Broker (under 24 Investment holding)coreStrategic or Co-development PartnerInsurance intermediary operating alongside 24 Finance, providing insurance product range integrated into Quantum Creditech's service offering.
• TrustfullsupportingTechnology or IntegrationTechnology partner providing digital tools and services; listed among technological partners on Quantum Creditech's transparency page.
• ProgeticasupportingTechnology or IntegrationTechnology partner providing digital tools and services; listed among technological partners on Quantum Creditech's transparency page.
• CRIF – CRIF BPOsupportingTechnology or IntegrationCredit bureau and technology services partner providing credit information and processing services; listed among technological partners on Quantum Creditech's transparency page.
• Mediobanca PremiercoreChannel Partner/ Reseller/ DistributorBanking partner providing mortgage and loan products to end customers through Quantum Creditech's mediation network; listed among banking partners on company's transparency page.
• INGcoreChannel Partner/ Reseller/ DistributorBanking partner providing mortgage and loan products to end customers through Quantum Creditech's mediation network; listed among banking partners on company's transparency page.
• Crédit AgricolecoreChannel Partner/ Reseller/ DistributorBanking partner providing mortgage and loan products to end customers through Quantum Creditech's mediation network; listed among banking partners on company's transparency page.
• BNLcoreChannel Partner/ Reseller/ DistributorBanking partner providing mortgage and loan products to end customers through Quantum Creditech's mediation network; listed among banking partners on company's transparency page.
• Quantum Broker d'Assicurazioni S.r.l.coreStrategic or Co-development PartnerInsurance broker subsidiary providing comprehensive insurance product range including fire/explosion, content protection, accident/health, unemployment, life (TCM), and civil liability coverage; integrated into Quantum Creditech's service offering.

Scale indicators5 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• PrestitiOnline: Italian online personal loan and credit broker aggregating offerings from multiple lenders. Directly comparable to Quantum's personal loan mediation business via digital tools and multi-bank partnerships.
• Facile.it S.r.l. Major Italian price-comparison and credit-brokerage platform covering mortgages, personal loans, and insurance. Comparable to Quantum as a multi-product financial intermediary with both digital self-service and assisted channels targeting Italian consumers.
• Segugio.it: Italian financial comparison and intermediation portal for mortgages, loans, and insurance products. Directly competes with Quantum's digital calculator and bank-comparison functionality in the same Italian retail credit market.
• MutuiOnline S.p.A. Italy's leading online mortgage and loan broker, listed on the Italian Stock Exchange. Directly comparable to Quantum Creditech — multi-bank mortgage mediation with a digital funnel, serving the same Italian consumer credit market with similar commission-based economics.
• Euroansa S.p.A. Established Italian credit brokerage operating a network of agents/consultants across Italy. Directly comparable to Quantum as a multi-bank credit mediator with a physical agent-based distribution model — and notably the previous employer of Quantum's Partner Manager Raffaele Maisto.

Broad incumbents

• Agos Ducato S.p.A. Major Italian consumer credit provider (joint venture between Crédit Agricole and Banco BPM) offering personal loans, salary-backed loans, and credit cards. Competes with Quantum in the same Italian retail credit segments but as a direct lender.
• Banca Mediolanum S.p.A. Italian retail bank offering mortgages, loans, and wealth products through its network of financial advisors. Comparable to Quantum as a competing distribution channel for mortgage products — and notably a banking partner on Quantum's transparency page (Mediobanca Premier).
• Compass Banca S.p.A. Italian consumer credit specialist (Mediolanum Group) offering personal loans and salary-backed (cessione del quinto) loans. Comparable to Quantum as a provider in the same Italian personal loan and cessione del quinto segments, though as a direct lender rather than a mediator.
• Findomestic Banca S.p.A. Italian consumer credit subsidiary of BNP Paribas, offering personal loans and credit directly to Italian consumers. Comparable to Quantum as a major player in the same personal-loan segment, but operates as a direct lender rather than a multi-bank broker.

Others

• CRIF S.p.A. Italian credit bureau, information services, and credit-decisioning technology provider — and an existing technology partner of Quantum Creditech. Relevant peer as the infrastructure layer for credit assessment and lending workflows that underpin the credit-mediation industry.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/profile.php?id=61565162651123
• LinkedInlinkedin.com/company/quantum-creditech-s-p-a
• Instagraminstagram.com/quantumcreditech

Compliance4 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 QUANTUM CREDITECH S.P.A.