Doutor Finances, a company specializing in credit intermediation, is finalizing a pilot project to extend the service it provides to electricity, gas and telecommunications customers, the company’s co-CEOs, Vanda de Jesus and Nuno Leal, said in an interview with DN/Dinheiro Vivo.
“What we would like – both digitally and online – is a little: when we think about a home, buying a house, exchanging a house, come to Doutor Finances and we will simplify the entire process. That is, in granting credit, in the insurance that is associated with credit, in looking for your own home, through our partners as well, in changing your electricity and telecommunications supplier”, said Nuno Leal.
The revelation came following an analysis of the performance of Doutor Finances’ franchise network, which began the year with 50 stores and will close 2025 with more than 100.
“What I think has made this project a success is that whenever we open a new store, we have what we call a walk in, that is, the customer who comes in because it says ‘Doctor Finance’. And this is an added value that people who have joined us have told us is different from what it was in the past. It is something that the brand brings, something different from what the rest of the market can bring”, highlighted the manager.
And then, he added, Doutor Finances stores are already trying to have a concept almost like “a ‘one stop shop’ for the house’s ecosystem”, says Nuno Leal. “But we’re still not where we want to be.”
Now this brand’s desire to find solutions for the entire home ecosystem is aligned with what customers are looking for. “All of this has been pointed out by customers. They say: ‘We really liked it, but can’t you help us with this or this?’ Because people don’t really understand which moving company will be there on the right day, at the right time and won’t fail. And they also want that sieve of counseling.”
Doutor Finances is actively trying to transform this customer need into a business opportunity. “It’s funny that we have been building new products because of this”, adds Vanda de Jesus.
“Related to the house’s utilities, we are carrying out a pilot in this area. There are operators who do it in different ways because they don’t take into account the relationship with the partner, it’s just cost. But we have to measure these two relationships, which are super important”.
But with partnerships with EDP, Endesa or Galp? “Yes, we are already doing a pilot. We are discussing the name, but we are already operating with them, in the pilot. We just haven’t done the marketing yet”, highlights the manager.
This will be one of the new developments to come into force in 2026, but the company’s general strategy will be the same in the year that begins in two months.
“This year we will produce between 1.6 and 1.7 billion euros in mortgage loans. And now is the part that I think is important: despite only having two years, more than 50% of this amount will already be made by the network. It’s not just the success of saying that we had 66 stores at the end of last year and we will end up with 100, or close to 110 stores. But it’s more than that, it’s what the stores are already doing, the production. And therefore, what we will continue to do is follow the path”, says Nuno Leal. In the aggregate of the year 2025, Doutor Finances expects to earn 23 million euros.
The other bet will be internationalization, as DN announced at the beginning of the week, when reporting that Doutor Finances had already officially received authorization from supervisors to operate as credit intermediaries in Spain and Italy.
This step, decisive for the Portuguese company’s internationalization strategy, will allow the company to begin operating – initially, in digital housing credit – from November. “And this means that our expectation is to start to formalize credits towards the end of the first quarter. This is always a process that takes three or four months, from the time we initiate contact with the client until we formalize.”
Doutor Finances will enter Spain and Italy with the brands “Dr Finanza” and “Dr Finanzas”.