What Monemprunt does

Monemprunt (legal entity: monemprunt.com) is a France-based, ORIAS-registered online mortgage brokerage founded in 2016 and headquartered in Rennes. The company operates as a Courtier en opérations de banque et en services de paiement (COBSP) under registration number 16004773, intermediating between individual property buyers and partner banks for residential mortgage origination and refinancing. Its core product is a four-step digital brokerage process hosted on Google Cloud Platform: borrowers describe their project online (described as a 3–4 minute simulation), receive an instant pre-approval with three personalized proposals, are then handed off to a dedicated human expert who negotiates with banks, and finally select and sign an offer with the chosen lender.

The technology stack is a web-based platform augmented by a suite of five self-service calculators (monthly payment, borrowing capacity, PTZ zero-interest loan, general mortgage, notary fees). The firm has invested in SEO-driven educational content (an Immobilier Guide and Lexique glossary), an Immodvisor-integrated review widget, and a 'Parrainez un ami' referral program to drive top-of-funnel demand. Acquisition channels are exclusively digital and domestic, with telephone support as the only assisted-sales overlay.

Monemprunt earns transaction-based commissions from partner banks on successfully closed mortgage files; specific fee levels are not publicly disclosed. The company is privately held, with no disclosed institutional ownership beyond a 2018 funding round of approximately €1.5 million from Bpifrance, GO CAPITAL, and Sogescot. Leadership comprises co-founder and associate director Emmanuel Frattini and president/chairman Arnaud Guilleux. Headcount sits in the 11–50 range, and the firm currently serves only the French market.

Name

Monemprunt

Legal name

monemprunt.com

Website

https://monemprunt.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Monemprunt is a Rennes-based, ORIAS-registered French online mortgage broker founded in 2016, serving individual property buyers with a digital 4-step brokerage process, partner-bank negotiation, and a suite of self-service mortgage calculators, earning transaction-based commissions from partner lenders.

Ownership category

akta.pro rank

Headquarters

HQ city

Rennes

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Brokerage Commission: Monemprunt operates as a mortgage broker (courtier en crédit immobilier), earning commissions from partner banks and lenders upon successful completion of mortgage transactions. As an ORIAS-registered COBSP (Courtier en opérations de banque et en services de paiement), the company is intermediaries between borrowers and banks, receiving referral/negotiation fees from lenders.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Monemprunt is a French online mortgage broker (courtier en crédit immobilier) operating as an ORIAS-registered intermediary (COBSP n°16004773) between individual borrowers and multiple partner banks. Customers describe their property project online, receive immediate pre-approval with three personalised mortgage proposals, and are then guided by a dedicated Monemprunt expert who negotiates with partner banks and arranges the final loan offer signing.

Product overview

Monemprunt operates as an online mortgage broker platform offering a unified service for real estate financing. The core offering is the courtier en crédit immobilier (mortgage brokerage) service, which provides a 4-step process: project description, pre-approval with 3 personalized proposals, expert negotiation, and bank contract signing. Supporting this core service are six calculator tools (simulateurs): the Simulateur de mensualités for monthly payment calculations, the Calculateur de capacité d'emprunt for borrowing capacity evaluation, the Simulateur PTZ for zero-interest loan simulation, the Simulateur d'emprunt immobilier for general loan simulation, and the Calculateur de frais de notaire for notary fee estimation. These tools are integrated into the main platform to assist users throughout the mortgage application journey.

Differentiator

Problem solved

Functional benefit

Products and services

• Courtier en crédit immobilier (Mortgage Brokerage Service) End-to-end French online mortgage brokerage service connecting individual property buyers with multiple partner banks. Includes online project description, automated pre-approval and three personalised mortgage proposals, dedicated expert negotiation with lenders, and assistance through to bank contract signing. Targeted at French individual residential property buyers and refinancers.

Quantifiable outcome

• 3 personalized mortgage proposals delivered upon pre-approval

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• Partner BankscoreOthersMonemprunt works with multiple partner banks to negotiate mortgage offers on behalf of borrowers. The company presents customers with 3 personalized proposals from different lenders, enabling rate comparison. Specific partner bank names are not disclosed on the website.

Recent moves6 records

Expansion highlights4 records

Direct peers

• Pretto: French online mortgage broker offering a digital-plus-expert model that directly competes with Monemprunt for first-time buyers and refinancing borrowers. Pretto is one of the most-funded and best-known digital brokers in France, making it the closest direct comparable on product, target customer, and go-to-market.
• Zesto: Digital-first French mortgage broker offering a 100% online experience. It targets the same primary customer segments (first-time buyers, refinancers) as Monemprunt and represents a competing model within the online broker category.

Broad incumbents

• Meilleurtaux: One of France's largest and most established mortgage broker networks, combining physical and digital channels. It competes broadly with Monemprunt on the core mortgage intermediation offering, with much deeper bank relationships and a national brand.
• Cafpi: Major French mortgage broker with an extensive nationwide agency network. It targets the same residential mortgage customers as Monemprunt and represents a competing channel for borrowers seeking professional intermediation with banks.
• Vousfinancer: Established French mortgage broker franchise with a multi-region physical presence. It competes on the same core broker offering as Monemprunt, with comparable partner-bank access and a similar target borrower profile.
• Empruntis: Long-established French online mortgage comparison and brokerage platform with a broader product range. It competes with Monemprunt on rate comparison and intermediation services for residential borrowers.
• Boursorama Banque: Major French online bank that offers mortgage products directly to its customer base. It represents a disintermediation threat — a direct lender channel that competes with brokers like Monemprunt for the same digitally-engaged borrowers.
• Artémis Courtage: French mortgage brokerage group with a multi-region footprint and a more traditional intermediation model. It competes with Monemprunt for the same residential mortgage customers, with stronger local agency presence but a less digital-first offering.

Emerging players

• Younited Credit: France-headquartered online consumer credit platform that has expanded into adjacent lending products. While primarily a direct lender rather than a mortgage broker, it shares the same French digital-fintech DNA and target borrower demographic as Monemprunt.

Others

• Crédit Logement: French mortgage credit institution providing guarantees and financing infrastructure widely used in French mortgage transactions. While not a direct broker competitor, it is a key counterparty in the French mortgage ecosystem in which Monemprunt intermediates.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/monemprunt

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

Investors3 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 Monemprunt