MGA Merchant

What MGA Merchant does

MGA Merchant SRL is an Italian credit broker (mediatore creditizio) registered with OAM under number M542 and headquartered in Milan, operating as part of the MGA Group (Milano Global Advisors) and as an independent member of the Geneva Capital Group International Network. The firm connects Italian small and medium enterprises, particularly PMI with revenue above €10 million, with banks and financial intermediaries for credit access, subsidized finance programs, and operating lease solutions. Its core service, Mediazione Creditizia, focuses on eligibility check-ups and placement with partner banks and fintechs, complemented by Finanza Agevolata (subsidized finance advisory covering Sabatini, SIMEST, 4.0/5.0, and regional grants), Noleggio Operativo (operating leases for equipment, IT, and machinery), and a regulatory complaints function.

The business operates on a transaction-fee revenue model, earning commissions from banks and financial intermediaries for successful credit mediation, with a free initial eligibility consultation as the customer acquisition entry point and quote-based fees thereafter. Distribution relies on direct sales by OAM-certified mediators plus a referral network of partner banks including Banca Aidexa and Banca CF+, with marketing concentrated on the company website, phone, and email channels. The disclosed organization is minimal at 3 team members (Cesare Suglia as Amministratore Unico, Katherine Ruize handling administration, Alberto Culatina as credit mediator), with a registered share capital of €50,000. Operating geography is domestic Italy, primarily Lombardy, with no disclosed technology platform beyond a content and lead-capture website; no AI, API, or proprietary software products are evidenced in the input data.

Name

MGA Merchant

Legal name

MGA MERCHANT SRL

Website

https://mgamerchant.it

Company type

Private

Operating status

Operating

Short description

MGA Merchant SRL is an OAM-certified Milan-based credit mediator connecting Italian SMEs and PMI (revenue above €10M) with partner banks and fintechs for credit access, subsidized finance, and operating leases. It earns transaction commissions from lenders and operates as part of the MGA Group network.

Ownership category

akta.pro rank

Product category

Credit Brokerage & Financial Advisory

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

SME Credit Underwriting, Scoring & Risk Analytics (FSAKAGAL)

akta.pro secondary industry

Direct Lending — Specialty Finance (Consumer/SME Lending Platforms) (FSAHAJAF)

Keywords

• Credit brokerage services
• Subsidized finance advisory
• Corporate credit mediation
• Operating lease solutions
• SME financing advisory

Headquarters

HQ city

Milan

HQ country

Italy

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Credit Mediation Services: MGA Merchant earns commissions from banks and financial intermediaries for successful credit mediation and loan facilitation. The company connects businesses seeking financing with appropriate lenders in their network.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

MGA Merchant SRL is an OAM-certified Italian credit broker (mediatore creditizio, registration M542) that connects businesses seeking financing with banks, fintechs, and investment funds. Its core offerings are Mediazione Creditizia (credit brokerage with eligibility check-ups and lender matching) and Finanza Agevolata (advisory on subsidized European, national, and regional grant programs), complemented by Noleggio Operativo (operating leases for equipment, IT, and machinery).

Product overview

MGA Merchant operates as a certified OAM credit broker offering a unified platform for credit mediation and subsidized finance services. The core offering consists of Mediazione Creditizia (credit brokering connecting businesses with banks and fintech) complemented by Finanza Agevolata (subsidized finance advisory). Additional modules include Noleggio Operativo (operating leases for equipment) and Elenco Bandi (grant program listings). The company also provides Ufficio Reclami (complaints handling) as a regulatory compliance service.

Differentiator

Problem solved

Functional benefit

Products and services

• Mediazione Creditizia OAM-certified credit brokering service that connects Italian businesses seeking financing with banks, fintechs, and investment funds; includes eligibility check-ups (check up di eleggibilità), credit rating assessment, and lender matching for business investment projects.
• Finanza Agevolata Subsidized finance advisory service that helps Italian businesses access European, national, and regional grants and incentive programs (including Bando SIMEST, Bando Sabatini, INAIL, Credito d'Imposta Innovazione 4.0, and Piano Transizione 5.0), with support for application preparation and reporting obligations.
• Noleggio Operativo Operating lease service for instrumental goods, technologies, and equipment that allows Italian businesses to rent IT products, software, furniture, hospitality equipment, machinery, and security systems without incurring debt, as an alternative to outright purchase.

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and flagship.

• Banca AidexacoreChannel Partner/ Reseller/ DistributorBanca Aidexa is a partner bank in MGA Merchant's network of convenzionati (partner) financial institutions, providing financing options to clients seeking credit.
• Banca CF+coreChannel Partner/ Reseller/ DistributorBanca CF+ (Digital lending) is a partner financial intermediary providing digital lending solutions through MGA Merchant's mediation services.
• MGA Group - Milano Global AdvisorsflagshipStrategic or Co-development PartnerMGA Merchant SRL is part of the MGA Group (Milano Global Advisors), a financial consulting company and independent member of the Geneva Capital Group International Network. The group provides specialized consulting including M&A, corporate finance, restructuring, debt/equity financing, real estate investment, and blockchain security token issuance.
• Geneva Capital GroupcoreStrategic or Co-development PartnerInternational network of financial consulting companies. MGA Group (parent of MGA Merchant) is an independent member of this network.

Scale indicators1 record

Recent moves1 record

Expansion highlights4 records

Direct peers

• Credimi: Italian digital lending platform that connects SMEs directly with banks and institutional investors for invoice financing and working capital loans. Comparable to MGA Merchant in serving the Italian SME credit market via lender intermediation, though operating a fully digital marketplace model versus MGA Merchant's broker-led GTM.
• Soisy: Italian fintech providing installment and SME financing through partner merchants and platforms. Comparable to MGA Merchant in intermediating credit for Italian SMEs and small businesses, with overlapping use cases around equipment and technology financing via partner integrations.
• October (formerly Lendix): European SME lending platform operating in France, Italy, Spain, Germany and the Netherlands, connecting SMEs with institutional lenders. Comparable to MGA Merchant as an SME credit intermediary in Italy with broader European lender access, competing for the same Italian mid-market SME origination flow.

Broad incumbents

• Younited Credit: European consumer and SME credit platform operating across France, Italy, Spain, and Germany with a large institutional lender base. Comparable to MGA Merchant in mediating credit for Italian SMEs but at significantly greater scale and through a fully digital, regulated marketplace model.
• Funding Circle: Global SME lending marketplace operating in the UK, US, Germany, and the Netherlands with a large institutional investor base. Comparable to MGA Merchant in intermediating SME credit, but at much greater scale and through a public-markets-backed digital platform.
• Tinexta (now Tinexta Group / TSWay): Italian fintech and digital trust group offering credit information, advisory, and SME credit facilitation services across Italy. Comparable to MGA Merchant in serving Italian SMEs navigating credit and subsidized finance decisions, but as a much larger, listed institutional platform with broader services.

Emerging players

• iwoca: UK-based SME lender expanding across Europe including Italy, providing small business loans up to £1M through instant decisions. Comparable to MGA Merchant in serving unmet SME credit demand, though iwoca is a direct alternative lender rather than a multi-lender broker.

Regional players

• Facile.it: Italy's leading financial services and insurance comparison marketplace, including loan and credit products for consumers and SMEs. Comparable to MGA Merchant in helping Italian borrowers find financing through a multi-lender aggregation model, though Facile.it also operates consumer-side and broader insurance verticals.
• Prestiiti.it (Prestiti.it): Italian online loan comparison and credit broker platform assisting consumers and small businesses in finding personal and business financing. Comparable to MGA Merchant as an Italian credit intermediary connecting borrowers with banks and financial institutions, though more focused on consumer credit.

Others

• Banca Aidexa: Italian digital bank specializing in SME lending and structured finance, currently a core convention partner of MGA Merchant. Comparable as one of the underlying lenders MGA Merchant routes clients toward, and a potential direct competitor if the bank expands its own origination capabilities.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/mga-merchant-srl

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 MGA Merchant