Casa Financeira opens headquarters and branch in Braga

Casa Financeira has opened its headquarters and a branch in Braga, marking a new stage for a business that aims to grow through company-owned branches and franchising. The opening gives a physical base to the brand chaired by Ricardo Costa, which brings together credit broking, insurance broking and estate agency services.

Braga becomes home to the brand’s headquarters and a branch

According to a report published by the newspaper O MINHO on 11 November, the opening took place the previous Friday. The premises serve as both headquarters and a branch, placing Braga at the centre of Casa Financeira’s development in Portugal.

Ricardo Costa, who also heads Grupo Bernardo da Costa, chairs the company’s board of directors. Representatives from banks, financial institutions, insurers and other organisations connected with the brand’s activities attended the opening.

“Today, Casa Financeira has an address. From here, we will reach the whole country. We don’t want to be the biggest. We want to be the best,” he said, in a statement quoted by the newspaper.

For the franchising community, the key development is that this opening has now taken place. The Braga headquarters and branch represent a completed step, distinct from the company’s announced plans for national expansion.

Credit, insurance and property services under one roof

Casa Financeira’s offering brings together mortgages, consumer credit, insurance and estate agency services. In a statement quoted by O MINHO, the company describes a customer-focused model supported by a network of specialists dedicated to each financial area.

Customers can receive support in person or remotely. The stated aim is to combine a nationwide operation with personalised service, delivered by professionals who understand local circumstances.

This combination of activities helps explain the new branch’s positioning: the brand offers support across several areas, rather than focusing on a single type of credit. According to the company, close customer relationships are the common thread running through the offering.

Casa Financeira’s origins are linked to Proposta Eloquente, Lda., which has operated in insurance since 2017 and credit since 2018. Over that period, the business has brokered more than €300 million in lending and established partnerships with 11 financial institutions. These figures relate to the track record of the original business, not to business generated by the newly opened Braga branch.

Training before starting work

The Casa Financeira Academy forms part of the brand’s approach to preparing its professionals. Specialists train through the academy before starting work under the brand, then continue with ongoing training.

The company links this support to service quality. Its stated approach is to prioritise the service delivered and customer feedback over turnover, and it says growth will not be pursued at any cost.

For those exploring franchise opportunities, training is one aspect of the proposed model to assess. The academy provides a framework for preparing professionals; prospective applicants should establish how that preparation applies to the different activities brought together under the brand.

Understanding the training content, its duration and the subsequent support would therefore be a useful part of assessing how well a candidate’s experience matches the responsibilities involved in running the business.

Expansion combines company-owned branches and franchising

Casa Financeira plans to develop its network through company-owned branches and franchising. It retains its target of reaching 20 branches in Portugal by the end of 2026, while Ricardo Costa identifies a presence in every municipality in the country as the next step in its expansion.

These statements should be read as announced objectives, not confirmation that a network of that scale is already in place. The Braga opening is the completed development marking this stage.

In practice: anyone considering joining the network should distinguish the completed opening from the growth targets and request information on the investment required, responsibilities across each business activity and the support provided by the academy before making any commitments.