Credit Agricole Leasing & Factoring

What Credit Agricole Leasing & Factoring does

Crédit Agricole Leasing & Factoring (CAL&F) is a wholly-owned subsidiary of Crédit Agricole Group and one of the major players in equipment leasing (crédit-bail) and factoring (affacturage) in France and Europe. Founded in 1987 and headquartered in Montrouge, the company operates through a French Société Anonyme structure with €203,145,660 in capital and is regulated by the ACPR as a large institution subject to Basel III Pillar 3 reporting, with a balance sheet exceeding €30 billion as of end-2021. It maintains €29.7 billion in funded outstandings, 260,000 clients (34% international), 2,676 employees (1,570 international), and a presence in 10 countries.

CAL&F's product platform spans two core lines: factoring (Affacturage Classique for domestic receivables and Affacturage Export for cross-border transactions, providing financing, bad-debt protection, and collections) and leasing (Crédit-bail mobilier for movable equipment, Crédit-bail immobilier for professional real estate, Location financière, and LOA vehicle leasing). An ESG-aligned range called Gamme Leasing Trajectoire and the Energies et Territoires brand position CAL&F as the 1st private financier of renewable energies in France, supported by preferential European Investment Bank (BEI/EIB) financing envelopes. The company also operates sub-brands including Olinn, Eurofactor, Lixxbail, Agilauto, CA Truck Care, CA Factoring Italia, and CA Leasing, each serving specialized niches such as equipment, international factoring, vehicle, and truck financing.

Revenue mechanics combine recurring leasing installment income with transaction-based factoring fees, distributed primarily through the Crédit Agricole Group banking network, dedicated regional commercial offices (DR Grand Ouest, Nord Est, Sud Est, Sud Sud-Ouest) across 30+ French cities, and direct international subsidiaries. The customer base spans professionals, farmers, SMEs (PME), intermediate-sized enterprises (ETI), large accounts (Grand Compte), and local authorities (Collectivités), with a strategic partnership with Crédit Agricole CIB supporting cross-border and large-account transactions.

Name

Credit Agricole Leasing & Factoring

Legal name

Crédit Agricole Leasing & Factoring

Website

https://ca-leasingfactoring.com

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Crédit Agricole Leasing & Factoring is a Crédit Agricole Group subsidiary providing equipment and real estate leasing, factoring, and sustainable energy financing to professionals, farmers, SMEs, ETIs, large accounts, and local authorities across 10 countries.

Ownership category

akta.pro rank

Product category

Commercial Leasing & Factoring

NAICS

Other Nondepository Credit Intermediation (52229), Nondepository Credit Intermediation (5222), Real Estate Credit (522292)

SIC

Finance Lessors (6172), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SME Equipment & Asset Finance (Leasing, Fleet, Capex) (FSABABAH)

akta.pro secondary industries

Balance-Sheet / Portfolio CRE Lending (FSALADAG), Direct Lending — Specialty Finance (Consumer/SME Lending Platforms) (FSAHAJAF)

Keywords

• Equipment leasing services
• Accounts receivable factoring
• Real estate leasing
• Commercial vehicle financing
• Sustainable energy financing

Headquarters

HQ city

Montrouge

HQ country

France

HQ region

Europe

Offices31 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Leasing/Credit-bail: Equipment financing solutions including movable asset leasing (crédit-bail mobilier), real estate leasing (crédit-bail immobilier), and financial rental (location financière) for acquisition of equipment and professional properties.
2. Factoring/Affacturage: Accounts receivable management including classic factoring, export factoring, cash flow financing, client receivable collection, and protection against bad debt.
3. Sustainable Energy Financing: Project financing for renewable energies and sustainable infrastructure, positioning CAL&F as the 1st private financier of renewable energies in France.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Crédit Agricole Leasing & Factoring provides B2B equipment leasing (crédit-bail mobilier), real estate leasing (crédit-bail immobilier), financial leasing (location financière), vehicle leasing with purchase option (LOA), and accounts receivable factoring services (classic and export). The company also offers sustainable financing solutions under the Gamme Leasing Trajectoire range for renewable energy and energy transition projects. Services are delivered to professionals, farmers, SMEs, mid-caps, large enterprises, and local authorities across France and 10 international markets.

Product overview

Crédit Agricole Leasing & Factoring (CAL&F) operates as a unified financial services platform offering two core product lines: factoring (affacturage) and leasing (crédit-bail). The factoring division includes Affacturage Classique for domestic receivables and Affacturage Export for international transactions, while the leasing division covers equipment leasing (crédit-bail mobilier), real estate leasing (crédit-bail immobilier), financial leasing (Location financière), and vehicle leasing with purchase option (LOA). The company also maintains a portfolio of specialized sub-brands including Olinn, Eurofactor, Lixxbail, Agilauto, CA Truck Care, CA Factoring Italia, and CA Leasing. An ESG-focused range called Gamme Leasing Trajectoire supports sustainable investments. The company serves professionals, farmers, SMEs, mid-caps, and large enterprises through 10 country locations, with 260,000 clients and €29.7 billion in financed outstandings.

Differentiator

Problem solved

Functional benefit

Brands

• Olinn: Equipment financing and leasing services
• CA Factoring
• CA Truck Care
• Agilauto
• CA Leasing
• Eurofactor
• Lixxbail
• Energies et Territoires
• Leasing Trajectoire

Products and services

• Affacturage Classique

Quantifiable outcome

• 260,000 total clients including 87,200 international clients
• +3 more outcomes

Named customers1 record

Segments8 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core and major.

• Crédit Agricole Group Banking NetworkcoreChannel Partner/ Reseller/ DistributorCAL&F leverages the extensive branch network of parent Crédit Agricole Group for distribution of leasing and factoring products, ensuring proximity advisory and customer access across France.
• Crédit Agricole CIBmajorStrategic or Co-development PartnerStrategic partnership for international development support, combining CAL&F's leasing and factoring expertise with Crédit Agricole CIB's corporate and investment banking capabilities for complex international transactions.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• BPCE Lease / Natixis Lease: The leasing arm of Groupe BPCE (parent of Natixis), offering equipment and real-estate leasing to SMEs, mid-caps, and professionals through the Caisse d'Epargne and Banque Populaire networks. Direct head-to-head competitor with CAL&F inside the French mutual/regional bank channel.
• DLL (De Lage Landen): Global vendor and equipment finance specialist (Rabobank subsidiary) offering asset-based finance and leasing across agriculture, food, healthcare, and office equipment. Comparable to CAL&F's vendor/equipment leasing model and agricultural finance offering for French and European farmers.
• Arval (BNP Paribas): BNP Paribas' corporate vehicle leasing and fleet management subsidiary. Overlaps with CAL&F's Agilauto and CA Truck Care brands in the professional vehicle LOA and commercial fleet financing market across Europe.
• Eurofactor Italia: Italian factoring specialist (part of the CAL&F group itself but also operating as an independent brand competing domestically). Included as a regional factoring competitor that mirrors CAL&F's factoring model in Italy, including BPL Factor and Ifitalia as market peers.
• BNP Paribas Leasing Solutions: BNP Paribas' dedicated equipment and professional asset finance subsidiary, offering crédit-bail mobilier, location financière, and fleet/vehicle financing across Europe. Directly competes with CAL&F in the same SME and large-account leasing segments, leveraging the BNP Paribas retail and corporate banking network in France.
• Euler Hermes / Coface: Trade credit insurance and receivables management providers serving European exporters and SMEs; Coface in particular has factoring and credit-protection products that overlap with CAL&F's factoring and bad-debt protection offerings (Affacturage Classique and Export).
• Siemens Financial Services: Captive equipment financier for Siemens and adjacent industrial vendors, providing leasing and project finance for capital equipment. Comparable business model and capital intensity to CAL&F's equipment leasing book, particularly in industrial and energy-transition verticals.
• CNH Industrial Capital: Captive financier for Case IH, New Holland, and Iveco agricultural and commercial vehicles, offering leasing and loans to farmers and fleets across Europe. Direct competitor with CAL&F's agricultural and truck financing offerings, including via CA Truck Care.
• Société Générale Equipment Finance (SGEF): The equipment and vendor financing arm of Société Générale, offering leasing, fleet, and vendor finance solutions to businesses across Europe. SGEF is the closest direct competitor to CAL&F in both core leasing products and reliance on a French parent bank's distribution network.

Broad incumbents

• GE Capital Equipment Finance / Wells Fargo Equipment Finance: Historical large-ticket equipment lessor (legacy GE Capital, now integrated into Wells Fargo) serving mid-market and large corporate vendors with leasing and asset finance across multiple industries. Comparable to CAL&F in product breadth and scale, though less focused on French SME segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/1CA_LF
• Facebookfacebook.com/creditagricoleleasingfactoring
• LinkedInlinkedin.com/company/1014149

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Credit Agricole Leasing & Factoring