Finance Conseil

What Finance Conseil does

Finance Conseil, legally operating as SAS SYF, is a French professional loan brokerage firm founded in 2006 and headquartered in Paris (registered office) with administrative operations in Beaucouzé, Maine-et-Loire. The company arranges commercial credit on behalf of French entrepreneurs, small businesses, and regulated professionals — including artisans, healthcare practitioners (doctors, dentists, pharmacists, nurses, opticians), farmers and winegrowers, franchisees, taxi drivers, notaries, and local public entities — across loan categories that span commercial real estate acquisition, business creation, business takeover (reprise), working-capital facilities, factoring, credit insurance, and equipment/vehicle leasing.

The firm executes this intermediation through a national network of approximately 90 branch offices and roughly 120 specialized credit brokers, supported by a panel of 25+ partner banks, insurers, factoring providers, and guarantee institutions including Société Générale, BNP Paribas, Crédit Agricole, Crédit Mutuel, Caisse d'Épargne, CIC, LCL, Banque Postale, Banque Populaire, Natixis, Coface, Euler Hermes, Atradius, BPI France, and SIAGI. Each dossier is routed competitively across multiple lenders to secure optimal rate, guarantee, and insurance terms. A wholly-owned subsidiary, Finance Conseil Leasing Solutions, extends the offering into equipment, vehicle, and leaseback financing (€20M+ arranged in 2023). Reported activity includes roughly 9,000 dossiers processed and €1.7 billion in credits negotiated per year, with 30,000+ clients served since inception and a 4.9/5 satisfaction rating cited across 8,000+ reviews.

The business model is transaction-based: the firm earns brokerage commissions per loan placement, with fees varying by deal complexity and loan size and not publicly disclosed. Go-to-market blends a physical branch network (inside sales and field advisory) with digital lead capture through the website's online request form, SEO-optimized profession-specific landing pages, email marketing via Sendinblue, paid retargeting through Google DoubleClick and Facebook, content marketing via a professional blog and podcast appearances, and a B2B referral program ("Nous prescrire") sourcing leads from accountants, lawyers, and franchisors. The legal entity is a privately held SAS with no disclosed external shareholders or institutional ownership.

Name

Finance Conseil

Legal name

SAS SYF

Website

https://professionnels.financeconseil.fr

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

101–250 employees

Short description

Finance Conseil is a French professional loan brokerage founded in 2006, operating ~90 branch offices with ~120 brokers who negotiate commercial real estate, business creation, and acquisition credit for artisans, healthcare professionals, farmers, franchisees, and other SMBs across a 25+ bank partner network.

Ownership category

akta.pro rank

Product category

Professional Loan Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)

Keywords

• Professional loan brokerage
• Commercial credit brokerage
• Business creation financing
• Agricultural credit brokerage
• Franchise financing services

Headquarters

HQ city

Angers

HQ country

France

HQ region

Europe

Offices8 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Brokerage commissions on professional loans: Finance Conseil acts as an intermediary between borrowers and banking institutions, earning commissions for negotiating and placing professional credit. The company facilitates loans including professional real estate loans, business creation loans, business acquisition loans, leasing, and agricultural financing. Revenue is generated per transaction as a percentage of the negotiated loan amount.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels7 records

Core offering

Finance Conseil is a French professional loan brokerage firm that negotiates professional credit on behalf of entrepreneurs and businesses with a panel of 25+ banking and insurance partners. Operating through a national network of 90 physical branch agencies and approximately 120 professional credit brokers, the company arranges commercial real estate loans, business creation loans, business acquisition loans, agricultural financing, professional insurance, credit-bail/leasing, and factoring services for SMBs and professionals across France.

Product overview

Finance Conseil is a professional credit brokerage network founded in 2006, operating as a single unified service platform organized around a national network of ~90 physical agency branches and ~120 professional credit brokers. The company's core offering is professional loan brokerage — negotiating mortgages, business loans, and insurance on behalf of entrepreneurs — augmented by a suite of specialized sub-services including agricultural lending, franchise financing, automotive/equipment leasing (via subsidiary Finance Conseil Leasing Solutions), factoring and credit insurance, business creation/reprise advisory, and receivables recovery. All services funnel through the brokerage platform, which acts as intermediary between clients and a panel of ~25 banking and insurance partners. The subsidiary Finance Conseil Leasing Solutions adds equipment leasing capacity with over €20M in financing arranged in 2023. The company processes approximately 9,000 loan files per year and negotiates ~€1.7B in credit annually.

Differentiator

Problem solved

Functional benefit

Brands

• Finance Conseil Leasing Solutions: A subsidiary specializing in leasing and credit-bail solutions for equipment and vehicle financing, with over 20M€ financed in 2023 and 4 collaborators with 23 years of combined experience.

Products and services

• Professional Loan Brokerage (Courtage en prêt professionnel) Core brokerage service arranging professional credit (commercial real estate, business creation, acquisition, and development loans) through a network of ~90 agencies and ~120 brokers connected to 25+ banking partners. For entrepreneurs, SMBs, artisans, and liberal professionals across France.
• Commercial Real Estate Loan Brokerage (Courtage en prêt immobilier professionnel) Specialized brokerage for commercial real estate loans, helping businesses finance the acquisition of commercial premises, industrial buildings, and office spaces. For business owners purchasing or refinancing commercial property.
• Business Creation Loan Brokerage (Courtage en création d'entreprise) Brokerage service guiding entrepreneurs through financing the launch of a new business, including business plan construction and bank presentation. For first-time entrepreneurs and founders starting a new company.
• Business Acquisition Loan Brokerage (Courtage en reprise d'entreprise) Brokerage service supporting the financing of business acquisition or takeover, including evaluation of the target and structuring of the buyout. For entrepreneurs acquiring existing businesses or fonds de commerce.
• Professional Insurance Brokerage (Courtage en assurance professionnelle) Brokerage for professional insurance products, including multi-risk business insurance negotiated through partner insurers. For businesses seeking professional liability and multi-risk coverage.
• Credit-Bail and Auto Leasing Brokerage (Courtage en crédit-bail et leasing auto) Brokerage for equipment leasing and automotive leasing/credit-bail contracts, enabling businesses to finance vehicles and equipment while preserving cash flow. For businesses seeking equipment and vehicle financing solutions.
• Finance Conseil Leasing Solutions Wholly-owned subsidiary providing equipment leasing, leaseback, and long-term rental solutions for professional clients, with 4 collaborators and 23 years of combined experience. Arranged over €20 million in financing in 2023.
• Factoring and Credit Insurance Brokerage (Affacturage et assurance-crédit) Factoring and credit insurance brokerage helping businesses manage cash flow needs and protect against client default. For businesses seeking working capital solutions and trade credit risk protection.
• Franchise Financing Brokerage (Courtage en financement des franchises) Specialized brokerage for franchise financing, helping entrepreneurs access funding for franchise entry fees, equipment, stock, and working capital by coordinating with the franchisor, accountant, and banking partners. For individuals acquiring a franchise.
• Agricultural Loan Brokerage (Courtage en prêt agricole) Specialized agricultural financing brokerage for farmers, viticulturists, and breeders covering farmland acquisition, equipment, buildings, and working capital, leveraging subsidized agricultural loans and land-holding companies. For farmers and agricultural professionals.
• Business Financing Advisory (Conseils en financement d'entreprise) Strategic financing advisory services including business plan construction, financing plan structuring, and ongoing treasury optimization advice. For entrepreneurs and SMBs seeking expert guidance on financing strategy.
• Public Entity Financing Brokerage (Courtier en financement des collectivités) Brokerage for local government and public entity financing, addressing the specific borrowing and investment needs of municipalities and public bodies. For local authorities and public-sector entities.
• Debt Collection Brokerage (Recouvrement de créances) Receivables recovery and debt collection brokerage services helping businesses manage outstanding invoices and cash collection. For businesses needing support recovering outstanding receivables.
• Commercial Goodwill Loan Brokerage (Prêt fonds de commerce) Specialized loan brokerage for the purchase of commercial goodwill (fonds de commerce), enabling entrepreneurs to finance the acquisition of an existing business's intangible assets. For buyers of existing businesses.
• Real Estate Trader Financing Brokerage (Courtier en marchand de biens) Brokerage for real estate trader (marchand de biens) financing, supporting professionals who buy and sell property as part of their business activity. For property professionals and merchant de biens operators.

Quantifiable outcome

• 1.7 billion euros of credits negotiated annually
• +4 more outcomes

Named customers5 records

Segments7 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• COGEDISminorGTM or Marketing PartnerBusiness introduction partner that referred Sébastien Gouy to Finance Conseil's Maxime Bossard for agricultural financing. COGEDIS appears as an agricultural accounting and business advisory firm that introduces clients to Finance Conseil.

Scale indicators7 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Meilleurtaux: Meilleurtaux is a major French credit brokerage group that negotiates mortgages, consumer loans, and professional loans on behalf of clients via a partner network. Comparable in multi-bank intermediation model, with a stronger consumer-credit skew and growing professional/SME offering.
• Empruntis: Empruntis is a long-established French credit broker with both online and agency channels, arranging home loans and professional financing. Comparable to Finance Conseil in multi-bank intermediation and French geographic focus.
• Magnolia.fr: Magnolia.fr (formerly Crédit Conseil de France) is a French professional credit broker serving entrepreneurs, business creators, and acquirers. Directly comparable as a professional loan intermediary with similar customer segment focus.
• CAFPI: CAFPI is the largest French mortgage broker by volume, with a nationwide network of partner agencies arranging home loans and professional financing. Directly comparable as a multi-bank intermediation network in France serving similar SMB and professional segments.
• Vousfinancer: Vousfinancer is one of France's largest independent mortgage and credit brokerage networks, operating a multi-agency model that arranges financing for individuals and professionals across France. Directly comparable to Finance Conseil in model (multi-bank intermediation, physical branch presence, commission-based revenue) with stronger consumer focus.
• Artémis Courtage: Artémis Courtage is a French brokerage firm specialized in professional and SME financing (creation, acquisition, real estate). Directly comparable to Finance Conseil in target customer (artisans, healthcare professionals, franchisees) and SME loan intermediation model.

Emerging players

• Younited Credit: Younited is a French fintech consumer and SME lending platform that intermediates between borrowers and institutional capital. Comparable as an alternative to traditional broker-bank flows in the French SME/professional credit market, though operating with its own balance sheet.
• Pretto: Pretto is a French online-first mortgage broker that has expanded into professional financing, using a digital platform to match borrowers with bank partners. Comparable as a credit intermediation competitor, particularly threatening Finance Conseil's traditional model via lower-cost digital delivery.
• Credit.fr: Credit.fr is a French fintech platform providing direct short-term financing to SMEs, bypassing traditional banks and brokers. Comparable as a competitor addressing the same SMB financing pain point that Finance Conseil addresses, but with a direct-lending rather than brokerage model.

Broad incumbents

• Boursorama Banque (Crédit): Boursorama is a major French online bank (Société Générale subsidiary) offering consumer and professional credit directly. Comparable as a direct-financing alternative that competes for the same end-borrower wallet, posing a structural disintermediation risk to brokers like Finance Conseil.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/conseil_finance
• Facebookfacebook.com/GroupeFINANCECONSEIL
• LinkedInlinkedin.com/company/finance-conseil

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

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 Finance Conseil