Negocial Finance

What Negocial Finance does

Négocial Finance is a French mortgage and financial-advisory broker (courtier en prêt immobilier) founded in 2010 and headquartered at 103 rue Vauban, 69006 Lyon. Operating as a SAS with €300,000 of share capital, the company is registered with ORIAS (number 11060654) as an Intermédiaire en Opérations de Banque et en Services de Paiement (IOBSP) and is regulated by the ACPR. The company connects individual French consumers with a network of more than 30 banking and insurance partners, including BNP Paribas, Crédit Agricole, Société Générale, LCL, La Banque Postale, Caisse d'Épargne, Banque Populaire, Cardif, MetLife, and several specialist credit-consolidation lenders.

The core product portfolio comprises four services: mortgage brokerage (crédit immobilier), borrower insurance brokerage (assurance de prêt), credit consolidation (rachat de crédits), and wealth management (gestion de patrimoine). Two dedicated sub-brands — Négocial Solutions for credit consolidation and OG Patrimoine for wealth/PER advisory — extend the offering. The technology stack is deliberately light: Global Courtage, a secure document-management platform used to transfer client files, and a suite of web-based financial calculators (borrowing capacity, mortgage, TEG/APR, notary fees, PTZ). There is no proprietary AI/ML, no public API, and no mobile app.

The business is commission-based. Négocial earns transaction fees from partner banks and insurers on successfully placed mortgages, insurance policies, and credit consolidations, supplemented by professional-services fees for wealth-management advisory. The go-to-market is sales-led and direct-to-consumer: 21 physical agencies across France staffed by 90+ expert advisors provide face-to-face consultation, while a website with online project-intake forms, simulators, and an active blog drives top-of-funnel demand. The first consultation is free and without obligation; clients are then assigned a dedicated advisor who manages the file end-to-end. Distribution is supported by word-of-mouth referrals (the company states many clients are friends of former clients) and a formal parrainage sponsorship program.

Name

Negocial Finance

Legal name

NEGOCIAL FINANCE SAS

Website

https://negocialfinance.fr

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

51–100 employees

Short description

Négocial Finance is a French mortgage and financial advisory broker founded in 2010 in Lyon, operating 21 agencies and 90+ advisors across France to connect individual consumers with 30+ banking and insurance partners for mortgage, credit consolidation, insurance, and wealth management services.

Ownership category

akta.pro rank

Headquarters

HQ city

Lyon

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Brokerage Commissions: Négocial Finance earns commissions from banking partners for placing mortgage loans and credit restructuring products. These commissions are paid by the partner financial institutions upon successful loan completion.
2. Insurance Brokerage Commissions: The company also earns commissions from insurance partners for placing borrower insurance (assurance emprunteur) products alongside mortgage agreements.
3. Heritage Management Advisory Fees: Fees generated through wealth management and asset optimization advisory services, including PER (Pension Savings Plan) and real estate investment consultation.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Negocial Finance is a French mortgage brokerage firm (IOBSP) that negotiates and arranges real estate financing for individual consumers by placing loan applications with a network of over 30 banking partners. The company also brokers borrower insurance, provides credit consolidation (rachat de crédits), and offers wealth management advisory services, supported by 21 physical agencies across France and online simulators for borrowing capacity and cost calculations.

Product overview

Negocial Finance operates as a multi-service mortgage and financial advisory broker offering a unified platform of interconnected financial services. The core portfolio consists of four main products: Crédit immobilier (mortgage brokerage), Assurance de prêt (loan insurance), Rachat de crédits (credit consolidation), and Gestion de patrimoine (wealth management). These core offerings are supported by Négocial Solutions (credit consolidation sub-brand) and OG Patrimoine (wealth management sub-brand). Online financial simulators complement the service by enabling clients to calculate borrowing capacity, credit costs, notary fees, and PTZ eligibility. The company functions as a mortgage broker (IOBSP) regulated by ACPR and registered with ORIAS.

Differentiator

Problem solved

Functional benefit

Products and services

• Crédit immobilier (Mortgage brokerage) Mortgage loan brokerage service that negotiates with the company's network of over 30 banking partners to obtain the best rates and conditions for French consumers seeking real estate financing for a primary residence, secondary residence, or investment property.
• Assurance de prêt (Borrower insurance brokerage)
• Rachat de crédits (Credit consolidation)
• Gestion de patrimoine (Wealth management advisory)

Quantifiable outcome

• 24h/48h rapid response time for client inquiries
• +1 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

29 partnerships are on record, tiered core and minor.

• La Banque PostalecoreChannel Partner/ Reseller/ DistributorPublic French bank, 100% subsidiary of La Poste group, offering simple and affordable products adapted to client needs. Négocial presents mortgage applications to this partner as part of its banking network.
• LCL (Le Crédit Lyonnais)coreChannel Partner/ Reseller/ DistributorMajor French bank with a dense branch network across France, positioned with a strong identity and market positioning. Négocial submits client mortgage files to LCL as part of its partner bank network.
• Banque PopulairecoreChannel Partner/ Reseller/ DistributorRegional cooperative bank serving approximately 10 million clients, created by and for entrepreneurs. Négocial uses this partner to access regional banking solutions for its clients.
• Caisse d'ÉpargnecoreChannel Partner/ Reseller/ DistributorHistoric French savings bank dating back to 1818, playing a major role in economic and social life. Négocial leverages this partnership to serve clients with savings-oriented mortgage products.
• Société GénéralecoreChannel Partner/ Reseller/ DistributorOne of the earliest European financial services groups, operating for over 160 years. Négocial submits client financing applications to Société Générale as a key banking partner.
• BNP ParibascoreChannel Partner/ Reseller/ DistributorLargest bank in the European Union with an integrated and diversified business model across three operational divisions. Négocial uses BNP Paribas as a key financing partner for mortgage and loan products.
• Crédit AgricolecoreChannel Partner/ Reseller/ DistributorLeading French banking group known for its solidity and diverse expertise, accompanying clients over the long term. Négocial partners with Crédit Agricole for competitive mortgage offerings.
• Société Marseillaise de Crédit (SG SMC)minorChannel Partner/ Reseller/ DistributorRetail bank in France under Société Générale group since January 2023, combining international scale with regional proximity. Négocial uses this partner for regional coverage.
• CASDEN Banque CoopérativeminorChannel Partner/ Reseller/ DistributorCooperative bank committed to a solidarity and sustainable approach, serving public sector employees with equity and trust. Négocial offers this partner to public-sector employee clients.
• Banque de SavoieminorChannel Partner/ Reseller/ DistributorRegional bank serving clients in the Savoie region for over 100 years, accompanying individuals, professionals, and businesses. Négocial leverages this partner for regional client needs.
• Banque Française Mutualiste (BFM)minorChannel Partner/ Reseller/ DistributorOnly bank dedicated to all public sector employees, with capital fully owned by 25 member mutuals. Négocial offers this partner to public-sector worker clients.
• EndyacoreStrategic or Co-development PartnerSelf-regulation association for the mortgage brokerage industry (IOBSP). Négocial is registered as an associated member of Endya, aligning with industry self-regulation standards.
• Crédit Foncier Communal d'Alsace et de Lorraine (CFCAL)minorChannel Partner/ Reseller/ DistributorFirst-rank actor in credit consolidation since 1872, specializing in loan restructuring. Négocial uses CFCAL as a partner for credit consolidation solutions offered to clients.
• Crédit LiftChannel Partner/ Reseller/ DistributorBrand of CA Consumer Finance (Crédit Agricole group), specialized in credit consolidation. Exclusively dedicated to IOBSP intermediaries. Négocial uses Crédit Lift for loan consolidation products.
• My Money BankminorChannel Partner/ Reseller/ DistributorBank focused on service and relationship with clients and partners, present in mainland France and overseas territories. Négocial uses this bank for credit consolidation solutions.
• Crédit Municipal de LyonminorChannel Partner/ Reseller/ DistributorMunicipal credit institution in Lyon offering credit and pawn services. Négocial partners with Crédit Municipal de Lyon for credit consolidation solutions.
• Crédit Municipal de ToulonminorChannel Partner/ Reseller/ DistributorMunicipal credit institution in Toulon. Négocial uses this partner for credit consolidation products.
• CGI FinanceminorChannel Partner/ Reseller/ DistributorFinance company offering innovative financing solutions in automotive, boat, and credit consolidation sectors, serving thousands of French customers annually.
• Sygma (BNP Paribas)minorChannel Partner/ Reseller/ Distributor100% subsidiary of BNP Paribas, a leader in consumer credit in Europe. Négocial uses Sygma for specialized loan products.
• CréatisminorChannel Partner/ Reseller/ DistributorSpecialist in credit consolidation since 1998, subsidiary of Cofidis Group, backed by Crédit Mutuel Alliance Fédérale. Négocial uses Créatis for loan consolidation solutions.
• Afi EscaminorChannel Partner/ Reseller/ DistributorRecognized specialist in savings and borrower insurance, centenary company with reassuring financial solidity. Négocial uses AFI ESCA for insurance solutions.
• Cardif BNP Paribas (assurance emprunteur)coreChannel Partner/ Reseller/ DistributorInsurance subsidiary of BNP Paribas Group offering loan insurance, savings, and provident insurance. Négocial uses Cardif for borrower insurance products.
• MetLifeminorChannel Partner/ Reseller/ DistributorGlobal insurance provider operating in France for over 50 years, offering provident insurance products. Négocial uses MetLife for borrower insurance products.
• APRILminorChannel Partner/ Reseller/ DistributorLeading wholesale brokerage in France, accompanying and protecting clients at every important moment. Négocial uses APRIL for insurance products.
• AssuréaminorChannel Partner/ Reseller/ DistributorSince 2003, Assuréa has been supporting credit and insurance intermediaries in the borrower insurance market.
• Digital InsureminorChannel Partner/ Reseller/ DistributorDigital insurance provider offering borrower insurance and individual provident insurance products with innovative digital journeys, personalized support, and quality human service.
• UGIPminorChannel Partner/ Reseller/ DistributorWholesale broker since 1974, serving partner brokers and their members. Négocial uses UGIP for insurance solutions.
• ZénioominorChannel Partner/ Reseller/ DistributorPlatform committed to insurance intermediation, offering access to an ecosystem of insurance offers and services for brokers.
• SimulAssurminorChannel Partner/ Reseller/ DistributorKey B2B player, independent wholesale broker in personal insurance for over 15 years. Négocial uses SimulAssur for insurance solutions.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Market position

Weaknesses5 records

Competitive moat4 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Negocial.Finance
• LinkedInlinkedin.com/company/negocial-finance
• Xx.com/NegocialF

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 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 Negocial Finance