Virgil

What Virgil does

Virgil is a Paris-based proptech founded in 2019 that enables first-time residential buyers in France to access property ownership by providing equity co-investment of up to €100,000 alongside the buyer. Rather than extending a loan, Virgil purchases a fractional ownership stake in the property, charges a 1% annual fee on invested capital for the duration of co-ownership (up to 10 years), and recovers 1.5x its initial investment upon sale or buyer buyback. The company serves first-time buyers, families with children, and couples purchasing in major French cities, particularly Paris where affordability is most constrained.

The core product stack consists of a public-facing Budget Simulator and Financing Plan Validation Tool hosted on the Virgil website (Webflow), a dedicated client portal (app.wearevirgil.com) for managing the multi-year co-investment relationship, and an extensive library of educational guides covering first-time buying, Paris neighborhoods, financing strategy, and co-buying. The Financial Capacity Attestation is issued by Virgil using its own scoring methodology over buyer income and contribution documentation, and is used to strengthen purchase offers and improve bank approval odds. Virgil is registered with ORIAS (#19001210) as a mortgage and payment services broker, is subject to ACPR prudential supervision, and operates as a regulated intermediary presenting dossiers to partner banks including BNP Paribas, multiple regional Caisse d'Epargne entities, and SOFIAP.

Virgil's go-to-market is primarily product-led growth via the website simulator, supplemented by a phone-based acquisition specialist team, content marketing, and earned media. By the company's own reporting, more than €100 million of real estate projects have been financed since 2019, with a claimed 96% loan approval rate for clients versus a 42% market-wide refusal rate. The company is venture-backed, having raised a seed round in 2019 and a €15 million Series A in November 2022 from Alven, Aquasourca, Evolem Start, Global Founders Capital, and LocalGlobe.

Name

Virgil

Legal name

Virgil SAS

Website

https://wearevirgil.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Virgil is a Paris-based proptech that helps French first-time homebuyers purchase property by co-investing up to €100,000 in equity alongside the buyer, charging a 1% annual fee and recovering 1.5x at exit within 10 years, distributed via a regulated brokerage and partner bank network.

Ownership category

akta.pro rank

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Annual Co-investment Fee: Virgil charges an annual fee of 1% on the amount it has invested in the co-owned property. This recurring revenue stream applies throughout the duration of co-ownership, which can extend up to 10 years before mandatory buyback.
2. Exit Capital Gain: Upon property sale or buyback, Virgil recovers its initial investment plus a fixed capital gain multiplier. If Virgil invested 10% of the property price, it receives 15% at exit (1.5x multiplier). This ratio is fixed regardless of market conditions, providing predictable exit economics.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels8 records

Core offering

Virgil provides a shared homeownership solution in which it co-invests up to €100,000 of real estate capital alongside individual buyers to help them purchase property without taking on additional debt. The buyer acquires nearly the entire property while Virgil holds the remaining share, charging a 1% annual fee on its invested amount and recovering 1.5x its investment upon sale or buyback within a 10-year window. Virgil also operates as a regulated mortgage broker (courtier) presenting financing dossiers to partner banks to secure preferential loan terms for clients.

Product overview

Virgil is a proptech company offering a shared homeownership solution where it acts as a co-investor rather than a lender. The core product is the Virgil Co-Investment Solution, which provides up to €100,000 of real estate capital to complement buyers' financing. This is complemented by digital tools including a Budget Simulator and Financing Plan Validation Tool accessible through the Virgil App client portal. Virgil also provides an extensive content ecosystem of educational guides covering property buying (Immobilier Guide), first-time buyer advice (Primo-Accédant Guide), financing strategies (Financing Guide), Paris-specific market guidance (Paris Buying Guide), and co-buying strategies (Buying Together Guide). The company operates exclusively in France, focusing on the French real estate market with French-language content.

Differentiator

Problem solved

Functional benefit

Products and services

• Virgil Co-Investment Solution Shared homeownership model in which Virgil purchases a portion of the property alongside the buyer (up to €100,000 of capital), charges a 1% annual fee on its invested amount, and recovers 1.5x the initial investment upon sale or buyback within 10 years. Targeted at first-time buyers in France who cannot afford their desired property through savings and borrowing alone.
• Budget Simulator Online self-serve tool that calculates a prospective buyer's maximum co-investment amount and purchasing power based on income, employment type, existing credits, and financial obligations. Completed in approximately 2 minutes and functions as the top-of-funnel lead generation mechanism.
• Financing Plan Validation Tool Tool for buyers who have already identified a property, used to validate and build the financing plan adapted to their project, integrating Virgil's co-investment with mortgage financing from partner banks.
• Virgil Client Portal (App) Online client portal accessible at app.wearevirgil.com where existing Virgil clients can log in to manage their co-investment projects, track their financial plan, and interact with Virgil throughout the ownership period.

Quantifiable outcome

• Virgil has financed over €100 million in real estate projects since 2019
• +3 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Caisse d'Épargne des Hauts de FrancecoreChannel Partner/ Reseller/ DistributorOne of several regional Caisse d'Épargne partner banks through which Virgil presents complete financing dossiers to obtain mortgage loans for its clients. Listed among the 'partenaires bancaires' in Virgil's legal mentions as part of the regulated brokerage activity.
• Caisse d'Épargne Ile-de-FrancecoreChannel Partner/ Reseller/ DistributorRegional Caisse d'Épargne bank operating in the Paris region (Ile-de-France), Virgil's primary market. One of the banking partners used to present client loan applications as part of Virgil's mortgage brokerage service.
• Caisse d'Épargne Aquitaine-Poitou-CharentesminorChannel Partner/ Reseller/ DistributorRegional Caisse d'Épargne bank operating in southwestern France. One of several regional banking partners included in Virgil's brokerage network for mortgage financing.
• Caisse d'Épargne Rhône-AlpesminorChannel Partner/ Reseller/ DistributorRegional Caisse d'Épargne bank operating in the Auvergne-Rhône-Alpes region. One of the regional banking partners in Virgil's financing partner network.
• SOFIAPcoreChannel Partner/ Reseller/ DistributorSpecialized banking partner included in Virgil's network for presenting complete financing dossiers. Part of the regulated brokerage scope as listed in Virgil's legal mentions.
• BNP ParibascoreChannel Partner/ Reseller/ DistributorMajor French banking group and one of the primary banking partners in Virgil's network. Used to present complete loan applications for Virgil's clients as part of the mortgage brokerage service.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Hometap: US-based home equity investment company that gives homeowners cash in exchange for a share of their home's future value, with similar equity-not-debt positioning and predictable exit economics. Closest direct comparable to Virgil's co-investment model.
• Point: US home equity investment firm offering homeowners cash for a share of future appreciation, with a defined buyback window. Operates an equity co-investment model that mirrors Virgil's core product mechanics.
• Unlock Technologies: US-based home equity investment provider that purchases a share of the homeowner's equity with a fixed buyback window. Directly comparable business model to Virgil's co-investment approach.
• Patch Homes: US home co-investment company that provides equity capital to homeowners in exchange for a share of future appreciation. Closely comparable product and customer experience to Virgil.
• Pretto: French online mortgage broker providing transparent home financing advice and brokerage services. Comparable on the regulated brokerage component of Virgil's offering and on serving first-time French buyers digitally.

Regional players

• MeilleursAgents: Leading French real estate estimation and agent platform serving property buyers and sellers across France. Comparable in targeting French homebuyers with digital tools, though it operates in brokerage/listing rather than co-investment.
• Unlatch: European proptech serving new-build property developers and buyers with digital sales platforms. Comparable as a regional proptech adjacent to the residential property purchase journey that Virgil addresses.

Broad incumbents

• Zillow: Largest US residential real estate platform offering home search, financing, and increasingly direct purchase/investment products. Broad incumbent analog for digital real estate platforms, though US-focused and at much larger scale.
• BNP Paribas: France's largest banking group and one of Virgil's primary bank partners for mortgage origination. Incumbent that could theoretically internalize Virgil's co-investment model, and a relevant benchmark for distribution scale.

Emerging players

• LendingHome: US online mortgage and real estate investment platform with hybrid lending/investment model. Comparable to Virgil as a digitally native player blending financing and property investment exposure, though focused on US lending.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/wearevirgil
• LinkedInlinkedin.com/company/wearevirgil
• Instagraminstagram.com/wearevirgil
• Xx.com/wearevirgil

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds2 records

Investors6 records

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 Virgil