Pretto
Pretto is a French online mortgage brokerage platform operated by FINSPOT SAS, connecting individual borrowers with a 100-broker in-house team that scans offers from 125 partner banks to source the best mortgage and insurance terms across France.
- Company typePrivate
- Founded2017
- HeadquartersParis, France
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Pretto does
Pretto, operated by FINSPOT SAS and headquartered in Paris, is a French online mortgage brokerage that combines self-service digital tools with a dedicated human broker to source residential and investment-property financing. The platform targets individual borrowers nationwide and offers dedicated workflows for first-time buyers, rental investors, refinancing (renegotiation), loan buyback (rachat de crédit), and specialized profiles including medical professionals, business owners, non-residents, and SCI structures. Pretto reports a client base of more than 15,000 borrowers and cumulative financed credit of €5 billion across 125 partner banks, with a public Trustpilot score of 4.8/5 across 15,956 reviews.
The platform is anchored by Finspot, a proprietary real-time scanner that aggregates and refreshes offers from 125 partner banks daily, combining automated rate capture with broker-validated bank feedback to produce a curated short-list for each client. Around this core sits an integrated self-service suite: borrowing-capacity, monthly-payment, notary-fee, and PTZ simulators; the Pretto Search mobile app for property discovery; a purchase-offer generator; an attestation de financabilité; and a 1,500+ article buyer's guide. Insurance intermediation is offered as a separate vertical with a comparator and support for Loi Lemoine / Loi Hamon delegation. Pretto is registered with ORIAS as a Courtier IOBSP (n° 170 009 16) and as a Courtier IAS, and is a Certified B Corporation.
The business model is transaction-fee based. Standard credit-search intermediation is priced at €1,590 + 0.3% of borrowed amount (minimum €1,730); specific-case files (SCI, construction, non-resident, business owners, regulated medical professions, or amounts above €1M) are priced at €1,990 + 0.6%. Banks pay a retro-commission capped at 1% of loaned capital, operationalized at roughly €2,000–€5,000 per funded file, and insurance-only searches are priced at €149 HT plus up to 20% commission on gross premiums. All core brokerage fees are contingent on effective disbursement and exempt from VAT. Go-to-market is content-led inbound (SEO, buyer's guide, La Clé newsletter with 10,000+ monthly readers, YouTube) converted by a 100-broker inside-sales team, supported by referral and Trustpilot-driven social proof.
Pretto firmographics
Firmographics- Name
- Pretto
- Legal name
- FINSPOT SAS
- Website
- https://pretto.fr
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Pretto is a French online mortgage brokerage platform operated by FINSPOT SAS, connecting individual borrowers with a 100-broker in-house team that scans offers from 125 partner banks to source the best mortgage and insurance terms across France.
- Ownership category
- akta.pro rank
Where Pretto is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Pretto business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations, Infrastructure, Others
Revenue model
- Brokerage / intermediation fees from clients: Per CGU/CGV: standard credit search fees €1,590 + 0.3% of borrowed amount (min €1,730); specific-case credit search fees €1,990 + 0.6% of borrowed amount. Fees are due only upon effective disbursement of the loan and are exempt from VAT. No fees of any kind may be collected before a loan is granted.
- Retro-commission from lending banks: Per CGU/CGV, banks pay Pretto a commission based on a percentage of loaned capital, capped at 1%. The homepage states the practical cap is between €2,000 and €5,000 per file. Paid only upon effective disbursement.
- Insurance brokerage commission: Insurance-only intermediation search priced at €149 (HT). Additionally, commissions may be received from risk-bearing insurers up to a maximum of 20% of gross insurance premiums (cotisations brutes).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free information, simulators and rate alerts |
| Transaction based/ take rate | Pay-as-you-go | Standard credit-search intermediation |
| Transaction based/ take rate | Pay-as-you-go | Specific-case credit-search intermediation |
| Unit Pricing | Pay-as-you-go | Insurance-only contract search |
Go-to-market motion3 records
Distribution channels2 records
Marketing channels7 records
Pretto product offering
Product offeringCore offering
Pretto operates a regulated online mortgage brokerage platform that pairs each borrower with a dedicated in-house broker supported by Finspot, a proprietary real-time scanner of offers from 125 partner French banks, to negotiate the best rate and conditions for primary residence, rental investment, SCI, non-resident, medical professional, business owner and credit buyback dossiers. The service includes a suite of free online simulations (borrowing capacity, monthly payments, notary fees, PTZ, rate alerts), a digitized borrower journey from simulation to notary signing, and an optional borrower-insurance intermediation module enabling Loi Lemoine delegation, with brokerage fees payable only upon effective loan disbursement.
Product overview
Pretto is a single consumer-facing digital mortgage brokerage platform (the "Plateforme Pretto" / pretto.fr) operated by FINSPOT SAS, combining a core broker service with a suite of integrated modules. The core offering pairs each borrower with a dedicated human broker, who is supported by Finspot — an in-house real-time scanner of offers from 125 partner banks — to source the best rate and conditions. Around this core sit specialized offerings: Assurance de prêt Pretto for borrower-insurance intermediation (including Lemoine-law switching), Courtiers byPretto for partner-broker coverage, Pretto Search as the dedicated property-search mobile app, and a full set of self-service tools (calculators, Generateur d'offre d'achat, Attestation de financabilité). Content products — the Guide de l'acheteur, La Clé newsletter, and Base documentaire — are tightly woven into the user journey, complementing transactional modules. Regulatory posture: Pretto is registered with ORIAS as a broker in banking operations/payment services and insurance (n°17000916) and is a Certified B Corporation.
Differentiator
Problem solved
Functional benefit
Brands
- Finspot: In-house real-time bank-offer scanner ('Finspot, notre scanner d'offres bancaires en temps réel') used by Pretto's brokers to scan 125 partner banks. Note: Finspot also serves as the legal-entity name (FINSPOT SAS) that operates the Pretto platform.
- Pretto Search
Products and services
- Pretto Courtier immobilier en ligne Core digital mortgage brokerage service operated by FINSPOT SAS for French consumers seeking primary residence financing, rental investment financing, credit buyback (rachat de crédit) or loan renegotiation. Each client is assigned a dedicated broker who uses the Finspot scanner to compare offers from 125 partner banks and manage the dossier from simulation through notary signing, with brokerage fees payable only upon effective loan disbursement.
- Assurance de prêt Pretto (borrower loan insurance intermediation) Borrower insurance intermediation service with a comparator and delegation workflow that allows borrowers to switch or terminate borrower insurance at any time under the Loi Lemoine, paired with Pretto's mortgage brokerage for buyers and existing borrowers seeking to lower insurance cost.
- Pretto Search mobile application Mobile application for property search that complements Pretto's mortgage brokerage by helping users identify real estate opportunities alongside financing, with real-time rate alerts and personalisable features.
- Courtiers byPretto partner broker network Sub-brand partner broker network operating under the byPretto label, extending Pretto's brokerage service and Finspot-enabled offer comparison to clients across regions not covered directly by Pretto's in-house broker team.
Quantifiable outcome
- €5 billion of credits financed cumulatively
- +3 more outcomes
Companies that use Pretto
Customer profileSegments6 records
Ideal customer profiles6 records
Pretto technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability2 records
Feature4 records
Pretto partnerships and signals
Strategic signalPartnerships
23 partnerships are on record, tiered core and minor.
- CICcoreOne of 125 partner banks whose offers are scanned by Finspot and where Pretto clients can be financed; logo displayed on the homepage partner-bank wall.
- BNP ParibascorePartner bank whose offers are scanned by Finspot and where Pretto clients can be financed; logo displayed on the homepage partner-bank wall.
- BREDcorePartner bank listed on the homepage partner-bank wall.
- Caisse d'ÉpargnecorePartner bank listed on the homepage partner-bank wall.
- BoursobankcorePartner bank listed on the homepage partner-bank wall.
- Crédit MutuelcorePartner bank listed on the homepage partner-bank wall.
- Crédit CoopératifminorPartner bank listed on the homepage partner-bank wall.
- Crédit AgricolecorePartner bank listed on the homepage partner-bank wall.
- Société GénéralecorePartner bank listed on the homepage partner-bank wall.
- La Banque PostalecorePartner bank listed on the homepage partner-bank wall.
- FortuneominorPartner bank listed on the homepage partner-bank wall.
- MilleisminorPartner bank listed on the homepage partner-bank wall.
- CASDEN Banque PopulaireminorPartner bank listed on the homepage partner-bank wall.
- Banque PopulairecorePartner bank listed on the homepage partner-bank wall.
- Banque de SavoieminorPartner bank listed on the homepage partner-bank wall.
- Banque TransatlantiqueminorPartner bank listed on the homepage partner-bank wall.
- Crédit Municipal de ToulonminorPartner bank listed on the homepage partner-bank wall.
- Crédit Foncier Communal d'Alsace et de LorraineminorPartner bank listed on the homepage partner-bank wall.
- CCFminorPartner bank listed on the homepage partner-bank wall (CCF, formerly HSBC retail in France).
- PalatineminorPartner bank listed on the homepage partner-bank wall.
- Société Marseillaise de CréditminorPartner bank listed on the homepage partner-bank wall.
- Crédit Mutuel de BretagneminorPartner bank listed on the homepage partner-bank wall.
- SOFIAPminorPartner bank listed on the homepage partner-bank wall.
Scale indicators10 records
Recent moves6 records
Expansion highlights6 records
Pretto competitors and assessment
Company assessmentDirect peers
- ACE Crédit: French mortgage and credit broker with agency and online channels, competing on similar primary-residence, investment and renegotiation use cases. Closely comparable service scope and target segments.
- Empruntis: Long-standing online French mortgage comparison and brokerage platform with broad bank coverage. Direct competitor on the borrower-acquisition funnel and rate-comparison UX.
- Meilleurtaux: Largest French mortgage and insurance broker network with hundreds of partner banks and a hybrid digital + local-broker model. Most directly comparable to Pretto on intermediation model, target customer (French borrowers) and product offering (mortgage + assurance emprunteur).
- Cafpi: Established French mortgage broker with a national agency footprint and broad partner-bank panel. Competes head-to-head with Pretto for primary-residence, investment and refinancing borrowers in France.
- Vousfinancer: French mortgage broker franchise network with digital lead capture and local broker delivery. Same intermediation business model, same French consumer customer base, similar panel-bank approach.
- Magnolia: Digital-first French mortgage broker with a hybrid online + human-broker model. Closest 'pure-play digital broker' analogue to Pretto and a direct head-to-head on UX, pricing transparency and brand.
- Artémis Courtage: Independent French mortgage and insurance broker with online simulation tools and a multi-bank intermediation model. Directly comparable in service mix (mortgage + assurance) and B2C go-to-market.
- Hello Prêt: Online French mortgage broker focused on the primary-residence and refinancing segments. Comparable on target customer and digital acquisition, with a smaller broker headcount.
- Immoprêt: French mortgage broker with a network of partner banks and online simulation tools, serving similar primary-residence and investment buyers. Direct competitor on intermediation model and target customer.
Broad incumbents
- Boursobank: Online subsidiary of Société Générale offering direct mortgages plus savings products; appears on Pretto's partner-bank wall. Represents both a partner and an indirect competitor pursuing direct-to-consumer digital credit journeys.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Pretto social profiles
Digital presencePretto compliance and trust
Trust signalCompliance4 records
Pretto financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pretto leadership team
Management profileNumber of profiles
Profiles9 records
Pretto funding detail
Funding detailFunding overview
Funding rounds4 records
Investors7 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pretto M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Pretto
What does Pretto do?
Pretto operates a regulated online mortgage brokerage platform that pairs each borrower with a dedicated in-house broker supported by Finspot, a proprietary real-time scanner of offers from 125 partner French banks, to negotiate the best rate and conditions for primary residence, rental investment, SCI, non-resident, medical professional, business owner and credit buyback dossiers. The service includes a suite of free online simulations (borrowing capacity, monthly payments, notary fees, PTZ, rate alerts), a digitized borrower journey from simulation to notary signing, and an optional borrower-insurance intermediation module enabling Loi Lemoine delegation, with brokerage fees payable only upon effective loan disbursement.
Is Pretto a public or private company?
Pretto is a private company. It is classified as venture growth investor backed and is currently operating.
When was Pretto founded?
Pretto was founded in 2017. It employs 11 to 50 people.
Where is Pretto based?
Pretto is headquartered in Paris, France, in the Europe region.
How does Pretto make money?
Three revenue lines are on record. Brokerage / intermediation fees from clients are the primary driver. The others are retro-commission from lending banks and insurance brokerage commission.
Who are Pretto's main competitors?
Direct peers on record are ACE Crédit, Empruntis, Meilleurtaux, Cafpi, Vousfinancer, Magnolia, Artémis Courtage, Hello Prêt and Immoprêt. Boursobank is listed as a broad incumbent.
Does Pretto have an API?
No public API is recorded for Pretto.