CGI Finance

What CGI Finance does

CGI Finance (legal entity: Compagnie Générale de Location d'Équipements, CGL) is a France-headquartered specialized credit institution founded in 1951 and wholly owned by Société Générale, regulated by the Autorité de Contrôle Prudentiel et de Résolution (ACPR). The company operates three core business poles: (1) automobile financing — leader among independent financial establishments in France, distributing loan and lease (LOA) products through 3,000+ dealer partners, 19 commercial agencies (including one digital agency), and dedicated white-label portals serving Hyundai, Kia, Porsche, Autosphere, Prioris and Tempro brands; (2) boat/nautical financing — leader in Europe across 7 countries (France, UK, Germany, Italy, Spain, Portugal, Netherlands), served through 600 partners and joint-venture brand SGB Finance with Beneteau Group; and (3) regroupement de crédits (debt consolidation) — distributed via 200+ brokers under brands CGI Finance, Finadéa, and Universo with 25 years of experience.

Name

CGI Finance

Legal name

Compagnie Générale de Location d'Équipements (CGL)

Website

https://cgifinance.fr

Company type

Private

Founded year

1951

Operating status

Operating

Headcount range

501–1,000 employees

Short description

CGI Finance is a France-headquartered, ACPR-regulated specialized credit institution and Société Générale subsidiary providing auto, boat, and credit-consolidation financing across 7 European countries through 3,000+ dealers, 600 boat partners, and 200+ brokers, serving 440,000 active clients.

Ownership category

akta.pro rank

Headquarters

HQ city

Marcq-en-baroeul

HQ country

France

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Automobile Financing: Leader in independent automobile financing in France, providing loan and lease products to automobile distributors and their customers through 3,000+ partners and 19 agencies.
2. Nautical/Boat Financing: Leader in nautical financing in Europe with operations across 7 countries (France, England, Germany, Italy, Spain, Portugal, Netherlands), serving 600 boat partners under CGI Finance and SGB Finance brands.
3. Regroupement de Crédits (Debt Consolidation): Credit consolidation services provided through 200 partners under CGI Finance, Finadéa, and Universo brands, with 25 years of experience.
4. Insurance Products Distribution: As an insurance broker (ORIAS n°07027148), CGI Finance distributes insurance products underwritten by SOGECAP, SOGESSUR, EUROP ASSISTANCE, OPTEVEN ASSURANCES, HELVETIA ASSURANCES, and others, earning commissions on insurance product sales.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

CGI Finance is a specialized financial services company that provides credit and lease financing solutions across three core business lines: (1) automobile financing (loans, LOA/lease-with-option-to-purchase, including the Eco2 LOA for used electric vehicles) for new and used vehicles distributed through 3,000+ dealer partners in France; (2) nautical/boat financing for new and used boats and equipment via 600 partners in 7 European countries; (3) credit consolidation (regroupement de crédits) for individuals through 200+ brokers. The company is regulated as a specialized credit institution by the ACPR and operates as a wholly-owned subsidiary of Société Générale. It also distributes insurance and warranty products (underwritten by SOGECAP, SOGESSUR, EUROP ASSISTANCE, OPTEVEN, HELVETIA) as a registered ORIA insurance broker.

Product overview

CGI Finance is a specialized financial services provider and subsidiary of Société Générale, operating across three core business lines: Auto financing (leader among independent financial establishments in France with Vivacar.fr), Nautical/Boat financing (leader in Europe through CGI Finance and SGB Finance brands), and Credit Consolidation/Regroupement de Crédits (with Finadéa and Universo brands). The company also maintains strategic subsidiaries including PRIORIS (automotive with EFF Group), Hyundai Capital France (with Hyundai), SGB Finance (nautical with Beneteau Group), and Concilian (debt collection with Franfinance). CGI Finance provides white-label financing portals and branded client spaces for multiple automotive partners including Kia, Porsche, Hyundai, and Autosphere. With over 70 years of expertise, 19 agencies in France, and operations across 7 European countries, the company offers integrated financing solutions, insurance products (Garantie Valeur d'Achat, Garanties Longue Durée, Assurance Protection Pécuniaire), and digital services including Eco2 LOA for electric vehicle financing and online client portals.

Differentiator

Problem solved

Functional benefit

Brands

• Vivacar.fr: Automobile marketplace platform operated by CGI Finance, identified as leader in auto financing
• SGB Finance
• Finadéa
• Universo
• PRIORIS
• Hyundai Capital France

Products and services

• CGI Finance Auto Financing

Quantifiable outcome

• 12.1 billion euros in outstanding loans (Encours) as of 2024
• +5 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• La CentralecoreGTM or Marketing Partner · 1 June 2025CGI Finance partners with La Centrale, France's leading online used car marketplace, to provide financing estimates directly from vehicle listings. This collaboration simplifies the car buying journey by integrating financing information early in the search process, creating a more accessible and fluid experience for consumers. The partnership celebrated its first anniversary in June 2026.
• HYUNDAI CAPITAL FRANCEcoreStrategic or Co-development PartnerJoint venture with Hyundai Capital Services Inc. to provide Hyundai-specific financing solutions. CGI Finance developed this subsidiary to serve Hyundai dealers and customers with tailored automotive financing products.
• PRIORIScoreStrategic or Co-development PartnerSubsidiary developed in partnership with Groupe EFF, providing financing solutions specifically for EFF network dealers.
• SGB FINANCEcoreStrategic or Co-development PartnerSubsidiary developed with Groupe BENETEAU, the leading French boat manufacturer. SGB FINANCE provides dedicated financing solutions for Beneteau boat dealers and customers across Europe.
• CONCILIANminorStrategic or Co-development PartnerSubsidiary for debt collection developed with FRANFINANCE, supporting CGI Finance's credit recovery operations for the regroupement de crédits business.
• Le Crédit AstucieuxminorOthersLe Crédit Astuieux is an associated brand/blog that provides financial tips and educational content related to credit and personal finance, linked to CGI Finance.
• Vivacar.frcoreOthersOnline automotive marketplace subsidiary brand of CGI Finance, operating as a separate website and serving as a channel for digital automobile sales and financing. The brand is listed among CGI Finance's network of sites.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• BNP Paribas Personal Finance (Cetelem): French consumer credit arm of BNP Paribas offering personal loans, auto financing, and debt consolidation through partner networks across Europe. Direct comparable to CGI Finance on multi-vertical consumer credit, dealer/broker distribution model, and bank-owned specialized credit institution structure.
• Cofidis: Major French consumer credit provider (subsidiary of Crédit Mutuel Group) offering personal loans, auto loans, and revolving credit through partner retailers and e-commerce platforms. Comparable to CGI Finance on channel-led consumer credit distribution and ACPR-regulated specialized credit institution status.
• Franfinance: French consumer credit subsidiary of Société Générale, focused on personal loans and auto financing distributed through retail partner networks. Sister subsidiary within the SG group with directly overlapping product set and dealer distribution strategy vs. CGI Finance.
• Crédit Agricole Consumer Finance: Consumer finance arm of Crédit Agricole offering personal loans, auto financing, and debt restructuring across Europe via partner networks. Directly comparable to CGI Finance on multi-vertical consumer credit, bank-owned specialized credit institution structure, and pan-European footprint.
• Oney Bank: French consumer credit and payment solutions provider (formerly Banque Accord, Auchan group) offering split payments, personal loans, and auto financing. Comparable to CGI Finance on retailer-led consumer credit distribution and ACPR-regulated status.
• RCI Bank and Services: Captive finance arm of Renault Group offering loans, leases, and dealer financing across the Renault, Dacia, Alpine, and Mobilize brands in Europe. Comparable to CGI Finance on auto financing expertise, dealer network distribution, and ACPR-regulated entity, but focused on Renault group brands rather than multi-OEM.

Broad incumbents

• Volkswagen Financial Services: Captive finance arm of Volkswagen Group providing auto loans, leases, dealer financing, and banking services across multiple VW brands globally. A much larger broad incumbent in vehicle finance; overlaps with CGI Finance on auto lending/leasing but operates as a global captive rather than independent multi-OEM financier.
• Ald Automotive / Ayvens: Global vehicle leasing and mobility provider (Société Générale group until IPO, now part of Ayvens), offering operational leasing, fleet management, and multi-brand financing. Comparable to CGI Finance on leasing expertise and SG group heritage, but focused on corporate fleet leasing rather than consumer retail financing.
• Toyota Financial Services Europe: Captive finance arm of Toyota Motor Corporation offering loans, leases, and dealer financing for Toyota and Lexus brands across European markets. Comparable to CGI Finance on ACPR/European-regulated auto finance activity, but single-OEM captive rather than multi-brand independent.

Emerging players

• Younited Credit: French consumer credit fintech offering personal loans and credit consolidation via a fully digital platform, with partnerships across European e-commerce and banking. Emerging player that overlaps with CGI Finance's regroupement de crédits business via digital distribution, but operates as a digital-first challenger rather than dealer-led business.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/cgifinance
• YouTubeyoutube.com/channel/UCQRe57RNwW85dMN08PUEIDg
• LinkedInfr.linkedin.com/company/cgi-finance-filiale-de-la-soci-t-g-n-rale

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries6 records

Funding overview

Funding rounds

Investors

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 CGI Finance