FinFrog
FinFrog is a Paris-based, ACPR-regulated peer-to-peer micro-credit platform offering 100-600 euro loans to French consumers with modest incomes, using Open Banking-based solvency assessment and a fully digital application process.
- Company typePrivate
- Founded2016
- HeadquartersParis, France
- Headcount11–50
- GTM typeB2C
- OfferingServices
What FinFrog does
FinFrog is a Paris-based, ACPR-regulated micro-credit platform founded in 2016 that intermediates small personal loans (typically €100-€600, expandable to €1,000) between individual lenders and French retail borrowers over 3-10 monthly installments. Its core product is a fully digital, self-serve application flow completed in approximately 5 minutes, with credit decisions returned within 24 hours and pricing capped at a maximum TAEG of 23.5%.
The company's central technical differentiator is a solvency assessment engine that analyzes roughly 90 days of applicants' bank statement history via Open Banking (using Powens, a Crédit Mutuel Arkéa subsidiary, as the regulated account information service provider) rather than relying on traditional income documentation. Payments are disbursed and collected via MangoPay (also a Crédit Mutuel Arkéa subsidiary, PCI DSS certified). This stack enables credit access for thin-file and modest-income consumers — salaried employees earning under €2,000/month, freelancers, retirees, and students — who are systematically underserved by traditional French retail banks. The platform enforces a responsible lending policy that refuses simultaneous multiple loans.
FinFrog operates a direct-to-consumer, digital-first go-to-market with no physical distribution, earning transaction-based revenue through interest and origination fees on each loan originated. Since 2016 it has financed over 500,000 projects, maintained a 4.9/5 rating across 2,920 verified reviews, and raised approximately €30M cumulatively (€10M Series B equity in July 2022 led by Isai with Raise Ventures reinvesting, plus €20M debt from business angels and family offices), reaching a €50M post-money valuation. The company is single-country (France only) with no disclosed expansion outside its domestic market.
FinFrog firmographics
Firmographics- Name
- FinFrog
- Legal name
- Finfrog
- Website
- https://finfrog.fr
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- FinFrog is a Paris-based, ACPR-regulated peer-to-peer micro-credit platform offering 100-600 euro loans to French consumers with modest incomes, using Open Banking-based solvency assessment and a fully digital application process.
- Ownership category
- akta.pro rank
FinFrog industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Nondepository Credit Intermediation (5222)
- SIC
- Loan Brokers (6163), Personal Credit Institutions (6141)
- akta.pro primary industry
- Consumer P2P Personal Loans (Unsecured) (FSAKAHAA)
- akta.pro secondary industries
- Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC), Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)
Keywords
Where FinFrog is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
FinFrog business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Others
Revenue model
- Micro-credit origination fees and interest income: FinFrog earns revenue by charging interest and origination fees on the micro-loans it intermediates between individual lenders and borrowers. As an Intermédiaire en Financement Participatif (IFP), it facilitates peer-to-peer lending where loans (typically 100 to 600 euros) are funded by private individuals. FinFrog's pricing is transparent with a maximum TAEG of 23.5% and charges a clear cost of credit per loan. Revenue is transaction-based, generated each time a loan is originated and repaid.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | Micro-loans from 100€ to 600€ with repayment in 3 to 10 monthly installments |
| Unit Pricing | Monthly | Payment in 4 or 6 installments (paiement en plusieurs fois) |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
FinFrog product offering
Product offeringCore offering
FinFrog provides micro-credit personal loans ranging from 100 to 600 euros to French consumers, repayable in 3 to 10 installments. The company operates as a regulated peer-to-peer lending intermediary (Intermédiaire en Financement Participatif) under ACPR oversight, using Open Banking and proprietary credit assessment to deliver rapid loan decisions and disbursements online.
Product overview
FinFrog operates as a single unified micro-credit platform — a French peer-to-peer (IFP) lending marketplace that intermediates small personal loans between individual lenders and borrowers. The core offering is the FinFrog Mini Loan platform, offering loans of 100 to 1,000 euros with a fully digital, paperless application process completed in 5 minutes and a response in under 24 hours. Repayment is made over 3 to 10 monthly installments collected via bank card or direct debit. The platform's core technology differentiator is its Solvency Assessment Engine, which uses Open Banking data (via Powens) to analyze borrowers' bank statement history. A Loan Simulation Tool on the homepage enables pre-application cost estimation. FinFrog also publishes educational content (guides on micro-credit, budgeting, and credit) as informational resources, not as separate product lines.
Differentiator
Problem solved
Functional benefit
Products and services
- Micro-credit personal loan (100-600 euros)
Quantifiable outcome
- 500,000+ projects financed since founding in 2016
- +3 more outcomes
Companies that use FinFrog
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles2 records
FinFrog technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature3 records
FinFrog partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- Powens (formerly Budget Insight)corePowens, a subsidiary of Crédit Mutuel Arkéa, is FinFrog's Open Banking partner providing secure access to bank account data. FinFrog accesses approximately 90 days of bank statement history via Powens' API to perform creditworthiness assessments. Powens holds a specific ACPR (Banque de France) approval to perform account information services under DSP2. FinFrog operates as an agent of Powens (registered under n°77454 by ACPR).
- MangoPaycoreMangoPay, a subsidiary of Crédit Mutuel Arkéa, is FinFrog's payment processing partner handling fund transfers to borrower accounts and direct debit of loan repayments from bank cards. MangoPay is PCI DSS certified and operates under DSP2, providing the secure payment infrastructure for loan disbursements and monthly repayments.
- ORIAS (Organisme pour le Registre des Intermédiaires en Assurance)coreORIAS is the French regulatory registry for financial intermediaries. FinFrog is registered with ORIAS as an Intermédiaire en Financement Participatif (IFP) under number 16003680, which is a legal requirement for operating as a crowdfunding intermediary in France.
- ACPR (Autorité de Contrôle Prudentiel et de Résolution)coreThe ACPR is the French prudential supervisory authority for banking and insurance. FinFrog holds formal approval as a société de financement (financing company) under ACPR approval number 17898, which is a mandatory regulatory authorization for lending operations in France.
Scale indicators5 records
Recent moves5 records
Expansion highlights5 records
FinFrog competitors and assessment
Company assessmentDirect peers
- October (formerly Lendix): October is a French-founded P2P lending platform (originally Lendix), regulated as an IFP in France, that intermediates business and consumer loans between individual lenders and borrowers. It shares FinFrog's crowdfunding intermediary license, digital-first model, and French regulatory positioning, making it a structurally comparable peer.
- Ferratum Bank: Ferratum is a European digital lender active in multiple countries including France, offering small consumer loans and revolving credit lines with rapid digital processing. It is comparable to FinFrog as a pan-European micro-credit operator, though it operates at a larger scale and broader geographic footprint.
- Floa Bank: Floa Bank (formerly Banque Casino/Floa Pay) is a French consumer credit and BNPL provider backed by Crédit Mutuel Arkéa and BNP Paribas, offering split payments and small personal loans directly to French consumers. It competes with FinFrog on the BNPL/payment-in-installments use case and shares the French consumer credit regulatory perimeter.
- Younited Credit: Younited Credit is a leading French consumer lending marketplace offering personal loans from 1,000€ to 50,000€, operating under ACPR/ORIAS regulation. It is the most direct peer to FinFrog in the regulated French consumer credit space, sharing the same IFP framework and serving French retail borrowers digitally, though at higher loan tickets than FinFrog's micro-credit focus.
- Cashper: Cashper is a European micro-loan provider active in France offering small short-term consumer loans with rapid digital onboarding. It is one of the closest direct competitors to FinFrog in the French micro-credit segment, sharing the same small-ticket, fast-decisioning product proposition.
- Credit.fr: Credit.fr is a French crowdlending platform registered as an IFP, intermediating personal loans between individual lenders and French retail borrowers. It shares FinFrog's regulatory licensing, P2P intermediation model, and French consumer credit focus, making it a relevant direct peer.
Broad incumbents
- Cetelem (BNP Paribas Personal Finance): Cetelem is the consumer finance arm of BNP Paribas, one of France's largest consumer credit providers offering personal loans, credit cards, and revolving credit. It is a broad incumbent in the French consumer credit space that competes with FinFrog for the same underlying borrower pool, but at substantially larger scale and with full banking-group resources.
- Cofidis: Cofidis is a major French consumer credit incumbent (subsidiary of Crédit Mutuel Alliance Fédérale) offering personal loans, revolving credit, and BNPL across France. It overlaps with FinFrog's consumer credit offering but at materially larger ticket sizes and broader product portfolio, representing the regulated banking incumbent against which FinFrog competes for underserved borrowers.
Emerging players
- Anaxago: Anaxago is a French IFP-registered crowdfunding platform that intermediates investments in real estate and private equity opportunities. It shares FinFrog's IFP regulatory status and French digital intermediation model but operates in adjacent asset classes (real estate/PE) rather than consumer microcredit, making it a thematically comparable emerging peer.
- Lydia: Lydia is a French consumer fintech offering mobile payment accounts, P2P transfers, and increasingly credit/lending products to French retail users. It shares FinFrog's French consumer digital-first DNA and increasingly overlapping product roadmap, making it an adjacent emerging player rather than a direct microcredit competitor.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
FinFrog social profiles
Digital presenceFinFrog compliance and trust
Trust signalCompliance6 records
FinFrog financial estimates
Financial estimateRevenue estimate
Valuation estimate
FinFrog leadership team
Management profileNumber of profiles
Profiles2 records
FinFrog funding detail
Funding detailFunding overview
Funding rounds4 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
FinFrog 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 FinFrog
What does FinFrog do?
FinFrog provides micro-credit personal loans ranging from 100 to 600 euros to French consumers, repayable in 3 to 10 installments. The company operates as a regulated peer-to-peer lending intermediary (Intermédiaire en Financement Participatif) under ACPR oversight, using Open Banking and proprietary credit assessment to deliver rapid loan decisions and disbursements online.
Is FinFrog a public or private company?
FinFrog is a private company. It is classified as venture growth investor backed and is currently operating.
When was FinFrog founded?
FinFrog was founded in 2016. It employs 11 to 50 people.
Where is FinFrog based?
FinFrog is headquartered in Paris, France, in the Europe region.
How does FinFrog make money?
One revenue line is on record: micro-credit origination fees and interest income.
Who are FinFrog's main competitors?
Direct peers on record are October (formerly Lendix), Ferratum Bank, Floa Bank, Younited Credit, Cashper and Credit.fr. Broad incumbents are Cetelem (BNP Paribas Personal Finance) and Cofidis. Emerging players are Anaxago and Lydia.
Does FinFrog have an API?
No public API is recorded for FinFrog.
What industry is FinFrog in?
FinFrog's product category is Consumer Lending. Its primary akta.pro industry code is FSAKAHAA, Consumer P2P Personal Loans (Unsecured), with a secondary code of FSAGAHAC, Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking). Its NAICS code is 5222 and its SIC code is 6163.