CAFPI
Founded in 1971, CAFPI is France's leading mortgage and credit broker, intermediating approximately €6 billion in credits annually across 120+ bank partners via 200+ agencies and 1,200 independent broker-entrepreneurs serving individual borrowers, investors, and professionals.
- Company typePrivate
- Founded1971
- HeadquartersSainte-geneviève-des-bois, France
- Headcount1,001–5,000
- GTM typeB2C
- OfferingServices
What CAFPI does
CAFPI is a French mortgage and credit brokerage founded in 1971 by Elie Assouline, headquartered in Paris (registered office at 111 avenue de France, 75013 Paris) and operating through a network of 200+ agencies across France staffed by 1,200 independent broker-entrepreneurs (mandataires) and 350 salaried support staff. The company intermediates credit products for individual borrowers — including first-time buyers, property investors, debt-consolidation seekers, self-employed professionals, and consumers — by matching client profiles against a panel of 120+ French banking partners (including Crédit Agricole, BNP Paribas, Société Générale, La Banque Postale, Banque Populaire, Caisse d'Épargne, Crédit Mutuel, and LCL) and 100+ insurer partners, with no fee charged unless the loan is successfully disbursed.
The core product set spans mortgage lending (Crédit Immobilier), credit consolidation (Rachat de Crédits), borrower insurance (Assurance Emprunteur), professional loans (Prêt Professionnel), consumer credit (Crédit Consommation), and international financing. Underlying technology consists of the My CAFPI CRM for broker productivity, the Opti Bank AI-powered bank-matching recommendation engine, a fully digitized loan application workflow with online tracking, and a suite of customer-facing web simulators for borrowing capacity, monthly payments, notary fees, PTZ eligibility, and debt ratios. The customer portal (Espace Client) and CAFPI Academy internal training platform complete the stack.
CAFPI operates on a pure transaction-based revenue model, charging approximately 1.3% of borrowed amount upon successful loan disbursement — an estimated €78M in gross commission volume on €6 billion of credits distributed in 2025 across 50,000 financed clients. The company is privately held, with BlackFin Capital Partners holding a majority stake since July 2021 alongside a minority position retained by Maurice Assouline (former President and son of the founder); the firm is regulated by ACPR, registered with ORIAS (number 09047385), and is a founding member of APIC, the French professional association for credit intermediaries.
CAFPI firmographics
Firmographics- Name
- CAFPI
- Legal name
- CAFPI
- Website
- https://cafpi.fr
- Company type
- Private
- Founded year
- 1971
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Founded in 1971, CAFPI is France's leading mortgage and credit broker, intermediating approximately €6 billion in credits annually across 120+ bank partners via 200+ agencies and 1,200 independent broker-entrepreneurs serving individual borrowers, investors, and professionals.
- Ownership category
- akta.pro rank
CAFPI industry classification
Industry- Product category
- Mortgage Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Commercial Mortgage Brokerage (FSAEAEAB)
- akta.pro secondary industry
- Private Mortgage Insurance (PMI) — Borrower-Paid (BPMI) (FSALAJAA)
Keywords
Where CAFPI is headquartered
LocationHeadquarters
- HQ city
- Sainte-geneviève-des-bois
- HQ country
- France
- HQ region
- Europe
Offices2 records
Markets served
CAFPI business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure
Revenue model
- Brokerage commissions: CAFPI charges approximately 1.3% of the borrowed amount upon loan disbursement. No fees are charged if the loan is not obtained. The broker's remuneration is aligned with client success, as fees are only paid when funds are released by the bank.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Success-based commission on loan amount |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
CAFPI product offering
Product offeringCore offering
CAFPI is a French mortgage brokerage that intermediates between individual borrowers and a network of 120+ banking partners to secure residential mortgage loans. It also brokers credit consolidation (rachat de crédits), borrower insurance (assurance emprunteur), professional loans, consumer credit and international property financing, charging a success-based commission of approximately 1.3% of the amount borrowed only when funds are actually disbursed.
Product overview
CAFPI is a French mortgage brokerage group offering a multi-product financial services platform. The core offering centers on mortgage lending (Crédit Immobilier) and credit consolidation (Rachat de Crédits), complemented by borrower insurance (Assurance Emprunteur), professional loans (Prêt Professionnel), consumer credit (Crédit Consommation), and international financing services. The company operates through a network of over 200 physical agencies and 1,200 independent broker-entrepreneurs, supported by internal technology tools including the My CAFPI CRM, the Opti Bank AI recommendation engine, and the CAFPI Academy training platform. Clients interact through the Espace Client portal and various online simulators for loan calculations and eligibility assessment.
Differentiator
Problem solved
Functional benefit
Products and services
- Crédit Immobilier (mortgage lending brokerage) Mortgage brokerage service that intermediated between individual residential property buyers in France and over 120 banking partners to secure the best interest rates and loan terms.
- Rachat de Crédits (credit consolidation) Credit consolidation brokerage that combines multiple existing loans (mortgage, consumer, etc.) into a single refinanced loan, with potential monthly payment reductions of up to 60%.
- Assurance Emprunteur (borrower insurance brokerage) Borrower insurance brokerage that enables mortgage holders in France to compare and switch insurance providers at any time under the Lemoine Law, with savings of up to 60% versus bank-offered insurance.
- Prêt Professionnel (professional lending brokerage) Professional lending brokerage for French business owners covering equipment financing, business acquisition, commercial real estate (murs professionnels) and working capital loans.
- Crédit Consommation (consumer credit comparison) Consumer credit comparison service covering auto loans, personal loans and home improvement loans, comparing offers across multiple lenders on behalf of the borrower.
- Financement International (international property financing) International property financing brokerage for clients seeking property loans outside France, coordinated through CAFPI's network of banking partners.
Quantifiable outcome
- Up to 60% reduction in monthly payments through debt consolidation
- +3 more outcomes
Companies that use CAFPI
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
CAFPI technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature4 records
CAFPI partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered minor and core.
- VirgilminorCAFPI became first broker to partner with Virgil to increase client down payments and boost property project budgets.
- ResolveminorCAFPI took a minority stake in Swiss fintech Resolve, specialist in mortgage lending founded in 2018. The partnership allows sharing of expertise and accelerating development in European mortgage markets.
- Magnolia.frcoreStrategic partnership with insurance marketplace leader Magnolia.fr to provide best borrower insurance offers through SimulAssur digital tool. Partnership leverages Magnolia's 20+ years of insurance expertise.
- GridkyminorPartnership with big data real estate comparator Gridky to combine data power with broker expertise for optimal investment property financing advice.
- La Banque PostalecoreMajor French banking partner in CAFPI's network of 120+ banking partners
- Crédit AgricolecoreMajor French banking partner in CAFPI's network of 120+ banking partners
- BNP ParibascoreMajor French banking partner in CAFPI's network of 120+ banking partners
- Société GénéralecoreMajor French banking partner in CAFPI's network of 120+ banking partners
- Banque PopulairecoreMajor French banking partner in CAFPI's network of 120+ banking partners
- Caisse d'épargnecoreMajor French banking partner in CAFPI's network of 120+ banking partners
- Crédit MutuelcoreMajor French banking partner in CAFPI's network of 120+ banking partners
- LCLcoreMajor French banking partner in CAFPI's network of 120+ banking partners
Scale indicators8 records
Recent moves7 records
Expansion highlights6 records
CAFPI competitors and assessment
Company assessmentDirect peers
- Magnolia.fr: French insurance marketplace and broker partner of CAFPI, specializing in borrower insurance and personal insurance — a key adjacency for CAFPI's assurance-emprunteur product and a direct competitor in insurance intermediation.
- Empruntis: Long-established French online mortgage comparison and brokerage platform, targeting the same residential mortgage and refinancing segments as CAFPI with a digital-first proposition.
- Meilleurtaux: One of France's largest competing mortgage brokers, offering multi-bank rate comparison, credit consolidation, and insurance intermediation directly to consumers — the closest head-to-head competitor to CAFPI's core offering.
- Vousfinancer: Major French mortgage broker with a network of agencies, competing for the same first-time buyers, investors, and refinancing clients that CAFPI serves, and using a similar multi-bank distribution model.
Emerging players
- Resolve: Swiss mortgage fintech in which CAFPI took a minority stake in 2022; positioned as both a partner for cross-border mortgage knowledge and an emerging European mortgage-tech player with comparable digital advisory capabilities.
- Pretto: French fintech mortgage broker with a fully online model and no agency network, representing the digital-native threat to CAFPI's hybrid model and competing on price transparency and speed.
Broad incumbents
- LendingTree: US-listed online lending marketplace connecting borrowers to multiple lenders across mortgage, personal, and business credit — a global analogue for the multi-bank brokerage model that CAFPI operates in France.
- MoneySuperMarket: UK price-comparison platform spanning mortgages, insurance, and consumer credit — a broader analogue to CAFPI's 'multi-product, multi-bank comparison' franchise, though operating in a different geography.
- Boursorama (Société Générale): Online banking arm of Société Générale that is both a CAFPI banking partner and a direct-to-consumer mortgage channel, illustrating the disintermediation threat from partner banks building their own digital origination.
Regional players
- Interhyp: Germany's leading mortgage broker, operating a hybrid online-plus-advisor model comparable to CAFPI's; useful as a European peer for benchmarking scale, technology, and broker-network economics outside France.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
CAFPI social profiles
Digital presenceCAFPI compliance and trust
Trust signalCompliance5 records
CAFPI financial estimates
Financial estimateRevenue estimate
Valuation estimate
CAFPI leadership team
Management profileNumber of profiles
Profiles6 records
CAFPI subsidiaries and ownership
Company hierarchySubsidiaries1 record
CAFPI funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CAFPI M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CAFPI
What does CAFPI do?
CAFPI is a French mortgage brokerage that intermediates between individual borrowers and a network of 120+ banking partners to secure residential mortgage loans. It also brokers credit consolidation (rachat de crédits), borrower insurance (assurance emprunteur), professional loans, consumer credit and international property financing, charging a success-based commission of approximately 1.3% of the amount borrowed only when funds are actually disbursed.
Is CAFPI a public or private company?
CAFPI is a private company. It is classified as private equity controlled and is currently operating.
When was CAFPI founded?
CAFPI was founded in 1971. It employs 1,001 to 5,000 people.
Where is CAFPI based?
CAFPI is headquartered in Sainte-geneviève-des-bois, France, in the Europe region.
How does CAFPI make money?
One revenue line is on record: brokerage commissions.
Who are CAFPI's main competitors?
Direct peers on record are Magnolia.fr, Empruntis, Meilleurtaux and Vousfinancer. Emerging players are Resolve and Pretto. Broad incumbents are LendingTree, MoneySuperMarket and Boursorama (Société Générale). Interhyp is listed as a regional player.
Does CAFPI have an API?
No public API is recorded for CAFPI.
What industry is CAFPI in?
CAFPI's product category is Mortgage Brokerage. Its primary akta.pro industry code is FSAEAEAB, Commercial Mortgage Brokerage, with a secondary code of FSALAJAA, Private Mortgage Insurance (PMI) — Borrower-Paid (BPMI). Its NAICS code is 522310 and its SIC code is 6163.