FINVENS
FINVENS is a French financial intermediation company founded in 1988, headquartered in Toulouse. It connects individuals with atypical financial profiles to banking partners for credit consolidation, special credits, mortgage loans, and sale with right of repurchase via three sub-brands including the Eddy.fr comparator platform.
- Company typePrivate
- Founded1988
- HeadquartersToulouse, France
- Headcount101–250
- GTM typeB2C
- OfferingServices
What FINVENS does
FINVENS (legally FINVENS SASU) is a privately held French financial intermediation company headquartered in Toulouse, founded in 1988 under the name Rouaix Groupe and rebranded to FINVENS in October 2021. The company operates as an Intermediary in Banking Operations and Payment Services (IOBSP) and Insurance Intermediary (IAS) under ORIAS registration 07 004 179, with regulatory oversight by the ACPR. It specializes in financing solutions for individuals who cannot obtain credit through traditional banking channels, offering three principal product lines: credit consolidation (regroupement de crédits), special credits and mortgage loans (crédits spéciaux et prêt hypothécaire), and sale with right of repurchase (vente à réméré). It is the third-largest operator in the French credit consolidation market, with 35,000+ financing files completed over the last decade and coverage spanning 87 French departments.
The company delivers these services through a network of 11+ banking partners — including My Money Bank, BNP Paribas Personal Finance, Creatis, CGI, CFCAL, CA Consumer Finance, La Banque Postale Financement, Crédit Municipal de Toulon, Crédit Municipal de Lyon, Younited Credit, and AFI Esca — and through intermediary networks (Regroupéo, Solution Crédit, ABC Vos Crédits, 321 Crédit). FINVENS structures its operations under three sub-brands: Finvens 4 MIOB (credit consolidation intermediation), Finvens Immo (real estate credit services), and Eddy.fr (a direct-to-consumer broker matching comparator platform). The technology stack is standard web infrastructure: SSL-encrypted forms, CRM, client portal, and Google Analytics, with no disclosed proprietary AI or machine learning capabilities.
FINVENS monetizes through a multi-stream commission and fee model. It receives commissions from credit institutions on originated loans (capped at a maximum of 1% of credit amount), commissions from insurance providers tied to loan coverage, and consumer-facing fees of 5-10% of the financed amount on credit consolidation transactions, with no fees charged prior to fund disbursement. Go-to-market combines direct digital channels (corporate site, Eddy.fr, client portal), banking partner referrals, and business introducer networks. The registered share capital is €351,184; the company has no disclosed external equity funding and no parent company. Leadership is headed by Frédéric Granel as Président Directeur Général.
FINVENS firmographics
Firmographics- Name
- FINVENS
- Legal name
- FINVENS SASU
- Website
- https://finvens.fr
- Company type
- Private
- Founded year
- 1988
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- FINVENS is a French financial intermediation company founded in 1988, headquartered in Toulouse. It connects individuals with atypical financial profiles to banking partners for credit consolidation, special credits, mortgage loans, and sale with right of repurchase via three sub-brands including the Eddy.fr comparator platform.
- Ownership category
- akta.pro rank
FINVENS industry classification
Industry- Product category
- Consumer Credit Services
- NAICS
- Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)
- akta.pro secondary industries
- Debt Management & Paydown (Student Loans, Credit Cards) (FSAGADAD), Fintech & Payments Partner / ISO Referral Networks (FSAEAMAK)
Keywords
Where FINVENS is headquartered
LocationHeadquarters
- HQ city
- Toulouse
- HQ country
- France
- HQ region
- Europe
Offices3 records
Markets served
FINVENS business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Credit intermediation commissions: FINVENS receives commissions from credit institutions that grant credit, calculated as a percentage of the credit amount with a maximum rate of 1% of the credit amount, in counterparty for distribution and commercialization costs.
- Insurance intermediation commissions: Receives commissions from insurance companies for insurance coverage related to loans, with amounts varying based on credit amount and nature of insurance.
- Broker matching service (Eddy.fr): FINVENS operates Eddy.fr, a broker matching platform for credit consolidation solutions, generating revenue through this consumer-facing digital channel.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | One time/ perpetual license | Credit consolidation intermediation fees |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
FINVENS product offering
Product offeringCore offering
FINVENS is a French financial intermediation company (IOBSP/IAS) that connects individuals with atypical or distressed financial situations to a network of 11+ banking partners to obtain credit consolidation, special credits, mortgage loans, and sale with repurchase option (vente à réméré). The company acts as an intermediary in banking operations and payment services, earning commissions on the credit and insurance products delivered through its partner banks.
Product overview
FINVENS operates as a unified platform of financial intermediation services, combining three core product lines (credit consolidation, sale with repurchase option, and special/mortgage credits) delivered through its main FINVENS brand as well as specialized sub-brands including Finvens 4 MIOB (credit consolidation), Finvens Immo (real estate credits), and the digital comparator platform Eddy.fr. The group serves individual clients, brokers, and banking partners through both direct customer-facing interfaces and business partner portals, positioning itself as a complement to traditional banking offerings.
Differentiator
Problem solved
Functional benefit
Products and services
- Credit Consolidation (Regroupement de crédits)
Quantifiable outcome
- 35,000+ financing files handled in 10 years
- +2 more outcomes
Companies that use FINVENS
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles2 records
FINVENS technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
FINVENS partnerships and signals
Strategic signalPartnerships
17 partnerships are on record, tiered core, supporting and minor.
- My Money BankcoreBanking partner providing credit solutions to FINVENS clients. Located at Tour europlaza, 20 avenue André Prothin, 92063 Paris La Défense.
- BNP Paribas Personal FinancecoreMajor banking partner for credit operations. Located at 1 boulevard Haussman, 75009 Paris.
- CreatiscoreBanking partner specializing in credit solutions. Located at Parc de Haute Borne, 59 avenue Halley, 59886 Villeneuve d'Ascq.
- CGI (CGI Finance)coreFinancial services partner for credit operations. Located at 66 avenue de Flandres, 59700 Marcq en Baroeul.
- CFCAL (Crédit Foncier Communal d'Alsace et de Lorraine)coreBanking partner for credit solutions. Located at 1 rue du Dôme, 67000 Strasbourg.
- CA Consumer FinancecoreConsumer finance partner. Located at 1 rue Victor Basch, CS 70001, 91068 Massy Cedex.
- La Banque Postale FinancementcoreBanking partner for credit solutions. Located at 1 avenue François Mitterrand, CS40014, 93212 La Plaine Saint Denis.
- Credit Municipal de ToulonsupportingMunicipal credit institution partner. Located at Avenue de Besagne, 83000 Toulon.
- Credit Municipal de LyonsupportingMunicipal credit institution partner. Located at 221 rue Duguesclin, 69003 Lyon.
- Younited CreditcoreOnline credit partner. Located at 21 rue de Châteaudun, 75009 Paris.
- AFI EscasupportingInsurance and finance partner. Located at 2 quai Kléber, CS 30441, 67008 Strasbourg Cedex.
- Eddy.frcoreFINVENS-owned brand specializing in broker matching for credit consolidation. A consumer-facing platform connecting individuals with credit consolidation brokers.
- RegroupéosupportingCredit consolidation intermediary network partner for transmitting client data and coordinating services.
- Solution CréditsupportingCredit intermediary network partner for transmitting client data and coordinating credit consolidation services.
- ABC Vos CréditssupportingCredit intermediary partner for transmitting client data and coordinating credit operations.
- 321 CréditsupportingCredit intermediary partner for transmitting client data and coordinating credit services.
- Festival Pause GuitareminorCultural sponsorship partnership via Eddy.fr brand. Sponsorship of the 25th edition of the music festival in Albi, promoting the brand while supporting regional cultural events.
Scale indicators6 records
Recent moves7 records
Expansion highlights4 records
FINVENS competitors and assessment
Company assessmentBroad incumbents
- Younited Credit: French online consumer credit platform offering personal loans, credit consolidation, and refinancing. Functions both as a FINVENS banking partner and as a direct-to-consumer lender competing in the credit consolidation segment FINVENS intermediates.
- Meilleurtaux: Large French credit and insurance comparison/brokerage platform covering mortgage, credit consolidation, and personal loans. Broader, more consumer-marketed incumbent that overlaps FINVENS' credit consolidation intermediation activities.
- Cofidis: Major French consumer credit lender offering personal loans, credit consolidation, and revolving credit. Competes with FINVENS' intermediary business for the same end clients but as a balance-sheet lender rather than a broker.
Direct peers
- ABC Crédits (ABC Vos Crédits): French credit broker intermediating personal loans, credit consolidation, and mortgage financing. Functions as a FINVENS intermediary-network partner in the same retail credit consolidation market.
- Regroupéo: French credit consolidation intermediary network that connects over-indebted borrowers with credit consolidation solutions. Listed as a FINVENS distribution partner but operates the same broker-routing business model for the same atypical-borrower segment in France.
- BoursedesCrédits: French online credit comparison and brokerage platform for mortgages, credit consolidation, and personal loans. Comparable to FINVENS' Eddy.fr comparator model and overlaps the same credit consolidation intermediation category.
- Crédit Lift: French credit broker intermediating credit consolidation, personal loans, and mortgage refinancing for individual borrowers. Operates in the same atypical-profile segment as FINVENS and is also a banking partner.
- Solution Crédit: French credit intermediary network routing borrower files to credit consolidation lenders. Comparable as one of FINVENS' intermediary-network partners, operating a similar apporteur d'affaires model in France.
- Vousfinancer: French broker network arranging mortgage, credit consolidation, and personal loans for individual borrowers. Operates a broker intermediary model comparable to FINVENS, including for atypical financial profiles.
Emerging players
- Pretto: French online mortgage broker aiming to digitise and disintermediate the home loan process. Adjacent to FINVENS' real estate credit and credit consolidation activities, representing the digital-first direction the intermediation category is moving in.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
FINVENS social profiles
Digital presenceFINVENS compliance and trust
Trust signalCompliance4 records
FINVENS financial estimates
Financial estimateRevenue estimate
Valuation estimate
FINVENS leadership team
Management profileNumber of profiles
Profiles6 records
FINVENS subsidiaries and ownership
Company hierarchySubsidiaries3 records
FINVENS funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
FINVENS 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 FINVENS
What does FINVENS do?
FINVENS is a French financial intermediation company (IOBSP/IAS) that connects individuals with atypical or distressed financial situations to a network of 11+ banking partners to obtain credit consolidation, special credits, mortgage loans, and sale with repurchase option (vente à réméré). The company acts as an intermediary in banking operations and payment services, earning commissions on the credit and insurance products delivered through its partner banks.
Is FINVENS a public or private company?
FINVENS is a private company. It is classified as management employee owned and is currently operating.
When was FINVENS founded?
FINVENS was founded in 1988. It employs 101 to 250 people.
Where is FINVENS based?
FINVENS is headquartered in Toulouse, France, in the Europe region.
How does FINVENS make money?
Three revenue lines are on record. Credit intermediation commissions are the primary driver. The others are insurance intermediation commissions and broker matching service (Eddy.fr).
Who are FINVENS's main competitors?
Broad incumbents on record are Younited Credit, Meilleurtaux and Cofidis. Direct peers are ABC Crédits (ABC Vos Crédits), Regroupéo, BoursedesCrédits, Crédit Lift, Solution Crédit and Vousfinancer. Pretto is listed as an emerging player.
Does FINVENS have an API?
No public API is recorded for FINVENS.
What industry is FINVENS in?
FINVENS's product category is Consumer Credit Services. Its primary akta.pro industry code is FSAEAEAM, Personal Loan & Unsecured Credit Intermediation, with a secondary code of FSAGADAD, Debt Management & Paydown (Student Loans, Credit Cards). Its NAICS code is 5223 and its SIC code is 6163.