Interfimo

What Interfimo does

Interfimo is a French private financial services company founded in 1969 under the aegis of UNAPL (Union Nationale des Professions Libérales) and owned by LCL (Le Crédit Lyonnais, part of Crédit Agricole) alongside founding professional unions. The company specializes exclusively in credit, insurance, retirement planning, and asset management for French liberal professionals, serving approximately 70,000 clients across four primary segments: health professions (physicians, dentists, pharmacists, biologists, radiologists, veterinarians, physiotherapists), legal professions (lawyers, notaries, bailiffs), technical and advisory professions (chartered accountants, statutory auditors, architects, engineers), and pharmacists as a dedicated vertical.

The platform is anchored on the cautionnement mutuel (mutual guarantee) technique, in which a collectively-owned guarantee fund financed by client contributions underwrites bank loans that would otherwise be difficult for liberal professionals to obtain from generalist lenders. Core products include three amortized credit modalities (constant installments, decreasing installments, and in-fine with life insurance savings), each with an online simulator. Complementary products are Pôle Évaluation (business valuation studies and a free BNC cabinet value calculator), Nos solutions assurance (borrower insurance distributed under group contracts with La Médicale and GAN), the PROPULS'IF dedicated pharmacist offer, and Interfimo Académie for professional training. Supporting infrastructure includes an online credit application portal for loans above €20,000 (Mon espace customer portal) and back-office integrations with Salesforce, Equinix, Inovatic, Iron Mountain, DocuSign/CDC Arkhinéo, and Digiforma.

Interfimo's business model combines transaction fees on credit guarantee operations with insurance distribution commissions, professional services revenue from valuation and training, and shareholder-linked referral economics. The company operates 77 regional offices across metropolitan France and overseas territories with 220 specialized collaborators, complemented by 1,400+ LCL agency branches acting as referral partners. Annual scale indicators include €3 billion in loans granted and 10,000+ financing files studied. Registered capital is €93,832,000 with RCS Paris registration 702010 513; Olivier Mercier serves as Président du Directoire. The shareholder structure—LCL as parent with professional unions holding majority Supervisory Board representation—anchors the firm to both the French banking group and the liberal-professional sector it exclusively serves.

Name

Interfimo

Legal name

Interfimo

Website

https://interfimo.fr

Company type

Private

Founded year

1969

Operating status

Operating

Headcount range

101–250 employees

Short description

Interfimo is a French financial services company, founded in 1969 and owned by LCL, that provides specialist credit, mutual guarantee, insurance, and valuation services exclusively to liberal professionals across health, legal, accounting, and pharmacy sectors in France.

Ownership category

akta.pro rank

Product category

Specialty Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310), Agencies, Brokerages, and Other Insurance Related Activities (5242), Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)

Keywords

• Professional financing services
• Mutual guarantee lending
• Liberal profession credit
• Business valuation services
• Insurance distribution

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Credit Commission and Cautionnement Mutuel: Interfimo earns commission from providing mutual guarantee (cautionnement mutuel) services that allow liberal professionals to obtain competitive bank loans. The mutual guarantee fund is collectively owned by clients and financed through contributions deducted from guarantee operations.
2. Insurance Distribution: Recommends and distributes borrower insurance (assurance emprunteur) products covering death, total disability, and temporary incapacity, underwritten by partner companies La Médicale and GAN.
3. Professional Evaluation Services: Pôle Évaluation provides business valuation studies and reports for liberal professions, including sale price studies for pharmacists, radiologists, veterinarians, dentists, lawyers, biologists, notaries, and chartered accountants.
4. Formation and Training: Interfimo Académie provides professional training programs for liberal professionals and their staff, including specialized offerings such as PROPULS'IF for pharmacists.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Interfimo is a French specialty lender established in 1969 that provides credit facilities (constant installments, declining installments, in fine/bullet loans, and online credit), mutual guarantee mechanisms via a member-owned fund, insurance distribution, business valuation (Pôle Évaluation), and professional training (Interfimo Académie) exclusively for French liberal professionals such as doctors, lawyers, pharmacists, and other self-regulated professions. The company operates 77 offices and distributes via partnership with LCL across 1,400+ branches.

Product overview

Interfimo offers a comprehensive financial services platform for liberal professionals in France, centered on credit and financing solutions with multiple simulation tools (Crédit à échéances constantes, Crédit à échéances dégressives, and Crédit in fine). The platform includes an online credit application system (Crédit en ligne) and a customer portal (Mon espace). Complementary services include a company valuation division (Pôle Évaluation) with market studies and BNC cabinet valuation tools, personalized insurance solutions, the specialized pharmacist offer PROPULS'IF, and professional training through Interfimo Académie. The company also provides financial engineering services for larger liberal enterprises, all supported by 77 branch offices across France and 1,400 partner LCL agency locations.

Differentiator

Problem solved

Functional benefit

Products and services

• Crédit à échéances constantes Constant-installment credit facility for French liberal professionals to finance practice setup, equipment acquisition, or business investment, with equal monthly payments throughout the loan life.
• Crédit à échéances dégressives Declining-installment credit facility for French liberal professionals, with principal amortization reducing the payment amount over the loan term.
• Crédit in fine Bullet loan in which interest-only payments are made during the term and principal is repaid at maturity, available to French liberal professionals.
• Crédit en ligne Online credit application and processing service allowing French liberal professionals to apply for financing digitally through the Interfimo portal.
• Cautionnement mutuel (mutual guarantee fund) Mutual guarantee fund owned by member-clients of Interfimo that backs loan approvals, providing collateral coverage that enables financing for liberal professionals who might not otherwise qualify.
• Pôle Évaluation Business valuation service for French liberal professionals that produces client portfolio valuations and BNC (Bureau de Normalisation Comptable) classification analyses for practice sale, acquisition, partnership, or transition transactions.
• Nos solutions assurance Insurance distribution service offering borrower insurance (assurance emprunteur) and complementary personal insurance packages tailored to the risk profile of French liberal professionals, distributed through partner insurers La Médicale and GAN.
• Interfimo Académie Training program for French liberal professionals covering practice management, business development, taxation, and sector-specific financial topics, delivered via the Digiforma training management platform.
• PROPULS'IF Support program tailored for French liberal professionals undertaking practice creation, acquisition, or development, combining advisory support with access to financing and valuation services.
• Mon espace Online customer portal enabling Interfimo clients to submit credit applications, track file progress, upload signed documents via DocuSign, and access documents archived in Iron Mountain.

Quantifiable outcome

• 3 billion euros in loans granted annually across 10,000+ financing files
• +2 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature4 records

Partnerships

14 partnerships are on record, tiered flagship, core and minor.

• UNAPL (Union Nationale des Professions Libérales)flagshipStrategic or Co-development Partner · 1 January 1969UNAPL is the founding organization under whose aegis Interfimo was created in 1969 by the professional union confederations. Professional unions remain shareholders and maintain majority representation on Interfimo's Supervisory Board. UNAPL provides governance oversight and acts as a central referral body for France's liberal professions.
• La Médicale (Insurance Partner)coreTechnology or IntegrationLa Médicale is one of two insurance companies (alongside GAN) with which Interfimo has group insurance contracts covering death, total and partial disability, and work incapacity for borrowers. Interfimo distributes these products as an insurance intermediary.
• GAN (Insurance Partner)coreTechnology or IntegrationGAN is one of two insurance companies (alongside La Médicale) with which Interfimo has group insurance contracts covering death, total and partial disability, and work incapacity for borrowers. Interfimo distributes these products as an insurance intermediary.
• Les Chirurgiens Dentistes de France (Les CDF)coreChannel Partner/ Reseller/ DistributorLes CDF is a shareholder union representing dental surgeons in France. As part of the UNAPL shareholder structure, Les CDF refers its members to Interfimo for financing services and participates in governance through Supervisory Board representation.
• Confédération des Syndicats Médicaux Français (CSMF)coreChannel Partner/ Reseller/ DistributorCSMF is a major French medical union confederation. As a shareholder under UNAPL's umbrella, it refers its physician members to Interfimo for financing and contributes to Interfimo's governance.
• Fédération Française des Masseurs Kinésithérapeutes Rééducateurs (FFMKR)coreChannel Partner/ Reseller/ DistributorFFMKR represents physiotherapists in France. As a shareholder union under UNAPL, it directs its members to Interfimo's specialized financing services.
• Fédération Nationale des Médecins Généralistes (MG France)coreChannel Partner/ Reseller/ DistributorMG France is a national federation of general practitioners. As a shareholder union under UNAPL, it refers its GP members to Interfimo for installation and practice financing.
• Fédération Nationale des Médecins Radiologues et spécialistes en imagerie diagnostique et thérapeutique (FNMR)coreChannel Partner/ Reseller/ DistributorFNMR represents radiologists and diagnostic imaging specialists. As a shareholder union under UNAPL, it directs its radiology members to Interfimo for practice financing.
• Fédération des Syndicats Pharmaceutiques de France (FSPF)coreChannel Partner/ Reseller/ DistributorFSPF represents community pharmacists in France. As a shareholder union under UNAPL, it directs its members to Interfimo, which offers a dedicated PROPULS'IF product for pharmacists.
• Syndicat des Biologistes (SDB)coreChannel Partner/ Reseller/ DistributorSDB represents medical biologists in France. As a shareholder union under UNAPL, it refers its members to Interfimo for laboratory financing.
• Experts-Comptables de France (ECF)coreChannel Partner/ Reseller/ DistributorECF represents chartered accountants in France. As a shareholder under UNAPL, it directs its accountant members to Interfimo for practice financing, firm acquisitions, and transmission services.
• Institut Français des Experts-Comptables / Union Nationale des Commissaires aux Comptes (IFEC / UNCC)coreChannel Partner/ Reseller/ DistributorIFEC/UNCC represents chartered accountants and statutory auditors. As a shareholder under UNAPL, it refers its members to Interfimo for professional financing.
• Ordre des Architectes – Conseil régional d'Île-de-FranceminorChannel Partner/ Reseller/ DistributorThe Paris-region chapter of the French Order of Architects participates as a shareholder under UNAPL, directing architects to Interfimo for practice financing.
• Turenne SantéminorChannel Partner/ Reseller/ DistributorTurenne Santé is referenced as a presentation partner in data protection policy, suggesting a referral or co-marketing arrangement for health-sector clients.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Vousfinancer: Vousfinancer is a French mortgage and professional loan brokerage network with growing penetration in healthcare and legal professional financing. It is an emerging player using a digital broker model that competes with Interfimo on customer acquisition and lending speed, particularly for younger liberal professionals.

Broad incumbents

• Société Générale: Société Générale is a leading French universal bank with professional banking services for healthcare, legal, and other liberal professions. It competes with Interfimo on installation and acquisition financing but serves a broader SMB and corporate client base.
• BNP Paribas: BNP Paribas is France's largest bank and offers professional financing products targeting liberal professions through its branch network and dedicated professional advisors. It is a broad incumbent with overlapping customer segments but lacks Interfimo's niche specialization and mutual guarantee structure.
• CIC (Crédit Industriel et Commercial): CIC is a French banking group (subsidiary of Crédit Mutuel) that actively serves SMBs and liberal professionals with installation loans, equipment financing, and professional insurance. It is a broad incumbent competitor offering overlapping products through a similar branch-based distribution model.
• BPI France: BPI France is the French public investment bank providing loan guarantees, co-financing, and credit mediation to SMBs and independent professionals. It overlaps with Interfimo on installation and growth financing for liberal professions, often acting as a complementary or alternative source of capital.
• Crédit Mutuel: Crédit Mutuel is a major French mutual bank with significant activity in professional and SMB lending, including dedicated offers for liberal professions. It is a broad incumbent that competes with Interfimo across loan origination and insurance distribution, though without Interfimo's narrow specialization.
• Crédit Agricole: Crédit Agricole is the parent group of LCL (Interfimo's parent) and operates the largest mutual bank network in France. Its regional Caisses actively finance liberal professions across all 77+ offices, making it both Interfimo's ultimate parent group and a structural competitor in the same customer base.

Others

• La Médicale: La Médicale is a French insurer specializing in health professionals that underwrites the borrower insurance distributed by Interfimo. While it is an Interfimo insurance partner rather than a direct competitor, it has its own financial advisory arm and could vertically integrate to disintermediate Interfimo's distribution role.
• April Group: April is a leading French insurance broker with significant activity in professional insurance, including borrower insurance and coverage for liberal professions. It is adjacent to Interfimo's insurance distribution line and could compete on insurance intermediation commissions.

Direct peers

• Artémis Courtage: Artémis Courtage is a French specialty broker focused on financing for liberal professionals, including doctors, pharmacists, and lawyers. It directly competes with Interfimo on installation loans, practice acquisition financing, and professional insurance, sharing the same target customers and mutual guarantee-style approach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCW40sEdrK9IaT0sSQg0zfMg
• Facebookfacebook.com/interfimo
• LinkedInlinkedin.com/organization/11063518
• Instagraminstagram.com/interfimo
• Xx.com/interfimo

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Interfimo