ICC Finance
ICC Finance is a France-based mortgage and professional credit brokerage operating 24 branches and a digital simulation platform, intermediating between individual borrowers and a network of 16+ banking partners on a success-based transaction fee.
- Company typePrivate
- Founded2011
- HeadquartersColomiers, France
- Headcount11–50
- GTM typeB2C
- OfferingServices
What ICC Finance does
ICC Finance is a France-based retail and professional credit brokerage, operated as a trading brand of ICC Développement SARL, headquartered in Colomiers near Toulouse and founded in 2011. The company intermediates between individual borrowers and a network of 16+ banking partners — including Société Générale, LCL, BNP Paribas, Crédit Agricole regional entities, Crédit Mutuel Arkéa, La Banque Postale, and multiple regional Caisse d'Epargne institutions — to negotiate mortgage, professional credit, and (via a partnership with Finvens) debt consolidation and consumer credit products. Its customer base is segmented across first-time buyers, property owners, seniors over 60, micro-entrepreneurs, teachers and civil servants, and liberal professions.
The company distributes its services through 24 branch agencies across France combined with a digital self-serve layer: the app.icc-finance.fr simulation suite (borrowing capacity, monthly payment, notary fees, PTZ eligibility, debt ratio) and the Actelo-powered client portal for document exchange. Core technology is described as a web-based simulation platform and client portal with no proprietary technology stack, no AI/ML components, and no APIs or SDKs disclosed. Marketing relies on content/SEO, organic social (Instagram, Facebook, LinkedIn), email newsletters, Google Reviews social proof, and earned media appearances by co-founder Hugo Cariat on ICI Occitanie.
ICC Finance operates on a transaction-fee revenue model, charging a brokerage commission of 1–2% of borrowed amount (commonly capped at €3,000) that is contingent on successful loan completion — a no-success, no-fee structure. The business holds IOBSP and IAS intermediary status under ORIAS registration 15000649 and is supervised by the ACPR. Ownership is founder-led with no disclosed external institutional or private equity backing, registered capital of €12,125, and no subsidiaries or M&A activity on record. A sub-brand, fincup.fr, operates alongside the main ICC Finance franchise.
ICC Finance firmographics
Firmographics- Name
- ICC Finance
- Legal name
- ICC Développement
- Website
- https://icc-finance.fr
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- ICC Finance is a France-based mortgage and professional credit brokerage operating 24 branches and a digital simulation platform, intermediating between individual borrowers and a network of 16+ banking partners on a success-based transaction fee.
- Ownership category
- akta.pro rank
Where ICC Finance is headquartered
LocationHeadquarters
- HQ city
- Colomiers
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
ICC Finance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Mortgage and credit brokerage commissions: ICC Finance earns fees (courtage fees) when a loan is successfully placed with a banking partner. Fees are stated to range between 1% and 2% of the borrowed amount, often capped at €3,000. Fees are only charged upon successful loan completion (success-based model).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | One time/ perpetual license | Success-based brokerage fee on loan amount |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels6 records
ICC Finance product offering
Product offeringCore offering
ICC Finance is a multi-service financial brokerage network (operating as the trading brand of ICC Développement SARL) connecting individual borrowers and professionals with a network of 16+ banking partners to negotiate mortgage, professional credit, credit consolidation, and consumer loan products. Services are delivered through 24 branch agencies across France supplemented by digital simulation tools, with revenue earned via success-based brokerage commissions of 1-2% (capped at €3,000) on successfully placed loans.
Product overview
ICC Finance operates as a multi-service financial brokerage network offering mortgage financing, professional credit, credit consolidation, and consumer lending through 24 agency locations across France. The core offering centers on mortgage brokerage (courtage en prêt immobilier) connected to a network of 16+ banking partners including Société Générale, LCL, BNP Paribas, Crédit Agricole, and Crédit Mutuel Arkéa. Complementary services include credit consolidation through Finvens partnership and consumer credit products. A suite of online simulation tools (borrowing capacity, monthly payments, notary fees, zero-interest loan eligibility, debt ratio) accessible at app.icc-finance.fr supports client onboarding. The company is registered as ICC Développement SARL with IOBSP and IAS intermediary status under Orias registration 15000649.
Differentiator
Problem solved
Functional benefit
Products and services
- Mortgage brokerage (Courtage en prêt immobilier) ICC Finance's primary mortgage brokerage service, connecting individual borrowers with a network of 16+ banking partners (Société Générale, LCL, BNP Paribas, Crédit Agricole, Crédit Mutuel Arkéa, Caisse d'Epargne, La Banque Postale) to negotiate optimal rates and financing conditions for residential property purchases. Includes advisory on subsidies such as PTZ and end-to-end guidance from simulation to loan signing.
- Professional credit brokerage (Courtage en crédit professionnel) Professional financing brokerage service for business owners, artisans, merchants, and project carriers to obtain tailored credit solutions for business purposes (equipment, working capital, commercial real estate). Designed for non-salaried income profiles requiring specialized bank negotiation.
- Credit consolidation (Regroupement de crédits) Credit consolidation service that merges multiple loans into a single reduced monthly payment, delivered through partnership with Finvens for specialized debt restructuring solutions. ICC Finance retains overall advisory responsibility while Finvens handles execution.
- Consumer credit (Crédit à la consommation) Consumer credit service for financing personal projects including vehicle purchases, home improvements, equipment, and unexpected expenses, offered through partner Finvens under ICC Finance's advisory responsibility.
Quantifiable outcome
- Fees only charged upon successful loan completion
Companies that use ICC Finance
Customer profileSegments7 records
Ideal customer profiles9 records
ICC Finance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
ICC Finance partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core.
- Société GénéralecoreSociété Générale is one of the major banking partners in ICC Finance's network, providing mortgage lending products to clients referred by ICC Finance.
- LCLcoreLCL (Lyon Crédit Local) is a major French retail bank partner offering mortgage products through ICC Finance's brokerage network.
- Crédit Mutuel ArkéacoreCrédit Mutuel Arkéa, a cooperative banking group, partners with ICC Finance to provide mortgage lending solutions.
- BNP ParibascoreBNP Paribas is one of the largest banking partners in ICC Finance's network, providing real estate financing products.
- La Banque PostalecoreLa Banque Postale provides postal banking mortgage products through ICC Finance's partner network.
- Caisse d'Epargne (multiple regional entities)coreRegional Caisse d'Epargne entities (Loire Drôme Ardèche, Auvergne Limousin, Midi-Pyrénées) partner with ICC Finance for localized mortgage offerings.
- Crédit Agricole (multiple regional entities)coreRegional Crédit Agricole entities (Sud Méditerranée, Charente Périgord, Nord Midi-Pyrénées, 31 Toulouse, Aquitaine) are banking partners providing real estate financing through ICC Finance's network.
- SG CourtoiscoreSG Courtois is a regional banking partner within the Société Générale group, offering mortgage solutions via ICC Finance.
- FinvenscoreFinvens is a specialist partner for loan consolidation (regroupement de crédits). ICC Finance refers clients requiring debt consolidation to Finvens while maintaining overall advisory responsibility.
Scale indicators2 records
Recent moves2 records
Expansion highlights2 records
ICC Finance competitors and assessment
Company assessmentOthers
Direct peers
- Meilleurtaux: One of France's largest mortgage and credit brokerages, offering comparison and negotiation services across a multi-bank network — directly competing with ICC Finance for the same first-time-buyer and refinancing clients across the country.
- CAFPI: Major French mortgage broker with a national branch network and a large multi-bank partnership base; competes head-to-head with ICC Finance in mortgage brokerage, professional credit, and credit consolidation.
- Pretto: Tech-forward French online mortgage broker offering end-to-end digital origination; an emerging but increasingly direct competitor targeting the same first-time-buyer and refinancing segments ICC Finance serves, with a different cost-to-serve model.
- Vousfinancer: National French credit brokerage franchise with a multi-bank network and local advisor model, directly comparable in distribution strategy, fee structure, and target segments to ICC Finance.
- Empruntis: Established French mortgage and credit comparison/brokerage platform with a multi-bank offer base; competes with ICC Finance on rate comparison and brokerage for consumer and professional borrowers.
- ACE Crédit: National French mortgage brokerage with a network of agencies and partner banks; comparable to ICC Finance in offering mortgage, regroupement de crédits, and professional credit brokerage.
- Immoprêt: French mortgage brokerage serving individual and professional borrowers through a network of partner banks; competes with ICC Finance in mortgage origination, particularly in mid-sized French cities.
Broad incumbents
- Crédit Logement: French credit institution providing a residential mortgage guarantee widely used by French banks; sits upstream of the broker channel and represents both a structural counterparty to brokers and a potential disintermediator for ICC Finance.
Emerging players
- Finvens: Specialist French loan consolidation broker (regroupement de crédits) that already partners with ICC Finance for debt-consolidation cases; a comparable specialist player with overlap in target client profiles and an adjacent regulatory footprint (IOBSP).
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
ICC Finance social profiles
Digital presenceICC Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
ICC Finance leadership team
Management profileNumber of profiles
Profiles1 record
ICC Finance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ICC Finance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ICC Finance
What does ICC Finance do?
ICC Finance is a multi-service financial brokerage network (operating as the trading brand of ICC Développement SARL) connecting individual borrowers and professionals with a network of 16+ banking partners to negotiate mortgage, professional credit, credit consolidation, and consumer loan products. Services are delivered through 24 branch agencies across France supplemented by digital simulation tools, with revenue earned via success-based brokerage commissions of 1-2% (capped at €3,000) on successfully placed loans.
Is ICC Finance a public or private company?
ICC Finance is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was ICC Finance founded?
ICC Finance was founded in 2011. It employs 11 to 50 people.
Where is ICC Finance based?
ICC Finance is headquartered in Colomiers, France, in the Europe region.
How does ICC Finance make money?
One revenue line is on record: mortgage and credit brokerage commissions.
Who are ICC Finance's main competitors?
BoursedesCrédits is listed as an others. Direct peers are Meilleurtaux, CAFPI, Pretto, Vousfinancer, Empruntis, ACE Crédit and Immoprêt. Crédit Logement is listed as a broad incumbent. Finvens is listed as an emerging player.
Does ICC Finance have an API?
No public API is recorded for ICC Finance.