What Corhofi does

CORHOFI is an independent, family-owned French equipment financing company founded in 1987 and headquartered in Lyon. It provides financial leasing (location financière), credit-bail, evolutive leasing, sale & leaseback, open contracts, sales financing and company turnaround financing to businesses, operating through its ACPR-regulated subsidiary CORHOFI FINANCIAL SERVICES (CFS) created in 2018. The company positions itself as a non-bank alternative to traditional bank financing, deliberately underwriting clients that banks refuse, including startups, companies at maximum bank exposure, and firms in turnaround situations.

The company is distributed through 11 regional agencies in France and 3 European subsidiaries (Belgium, Spain, Switzerland), staffed by approximately 170 collaborators including 63 field Financial Consultants who handle the full financing lifecycle from application to contract execution within a 48-hour response commitment. A partner channel of more than 1,000 equipment manufacturers, resellers, distributors, accountants, insurers and brokers submits financing requests through a digital partner portal, supplemented by the February 2026 CAPEB convention granting access to 512,000 artisanal building firms. The GTM is field-sales and event-driven (Equip Auto, SIRHA BAKE & SNACK, SITL), with no self-serve consumer channel.

CORHOFI serves more than 30,000 cumulative clients across 9 vertical sectors (agriculture & viticulture, BTP, automotive concessions & garages, distribution & retail, hospitality, industry & robotics, logistics & transport, food trades, healthcare & medical). Revenue accrues primarily through recurring monthly lease payments on financial leasing and credit-bail contracts, spread income from vendor sales financing (24-48 hour vendor payouts), and transaction-based gains on sale & leaseback operations. The technology stack is conventional workflow tooling: a partner-facing digital portal and electronic signature capability rather than a proprietary AI or risk-engineering platform. No revenue, funding, or ownership changes are publicly disclosed.

Name

Corhofi

Legal name

CORHOFI

Website

https://corhofi.com

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

101–250 employees

Short description

CORHOFI is an independent French equipment financing company founded in 1987 in Lyon, offering financial leasing, credit-bail and related asset financing through 11 French agencies and 3 European subsidiaries to 30,000+ SMEs and mid-market businesses across 9 verticals, as a non-bank alternative to traditional bank lending.

Ownership category

akta.pro rank

Headquarters

HQ city

Lyon

HQ country

France

HQ region

Europe

Offices11 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Financial Leasing (Location Financière): CORHOFI provides financial leasing arrangements where clients rent equipment over a defined term. Revenue accrues as monthly lease payments over the contract duration. Contracts are tailored to client cash flows and repayment capacities.
2. Credit-Bail (Finance Lease): Lease contracts with an embedded purchase option at end of term. CORHOFI, as an ACPR-licensed entity, structures these arrangements where ownership transfers to the client upon exercise of the buy option at the end of the lease.
3. Evolutive Leasing (Location Évolutive): Flexible leasing arrangements that adapt as equipment technology evolves, allowing clients to upgrade equipment mid-contract. Generates recurring revenue streams with higher renewal and upgrade dynamics.
4. Sale & Leaseback (Rachat d'Actifs): CORHOFI purchases equipment already owned by a client and immediately leases it back to them, providing immediate liquidity. This is a transaction-based revenue model generating one-time gains plus ongoing lease income.
5. Open Contract (Contrat Ouvert): A flexible financing envelope into which multiple supplier invoices can be integrated. Monthly payments adapt as the project evolves, generating variable recurring revenue tied to project scope.
6. Sales Financing (Financement des Ventes): CORHOFI enables manufacturers, resellers, and distributors to offer financing to their own customers. CORHOFI pays the vendor invoice (within 24-48 hours) and collects lease payments from the end customer, earning spread income.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels8 records

Core offering

Corhofi is an independent French financial services company specializing in equipment financing for businesses. It provides a suite of leasing and credit solutions — including financial leasing, credit-bail (finance lease), evolving lease, asset buyback, open contract, and sales financing — through 63 field Financial Consultants across 11 regional agencies in France and 3 European subsidiaries (Belgium, Spain, Switzerland). Its regulated subsidiary Corhofi Financial Services (CFS), authorized by the ACPR, underpins the credit-bail activity.

Product overview

CORHOFI is a financial services company specializing in equipment financing for businesses, offering an integrated suite of leasing and credit solutions. The core offering centers on Location Financière (financial leasing) and Crédit-Bail (finance lease), supplemented by flexible products including Location Évolutive for technology-adaptive needs, Rachat d'Actifs for liquidity extraction, and Contrat Ouvert for multi-project envelopes. The company serves both end clients directly and supports partners (manufacturers, resellers, distributors) through dedicated sales financing programs. Specialized services address company turnaround situations and fundraising completion. A digital partner portal and electronic signature capabilities support the financing workflow.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• CORHOFI commits to responding to all financing requests within 48 hours
• +3 more outcomes

Named customers13 records

Segments9 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

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

• CAPEB (Confédération de l'Artisanat et des Petites Entreprises du Bâtiment)flagshipChannel Partner/ Reseller/ Distributor · 24 February 2026CORHOFI and CAPEB signed a collaboration convention in February 2026 to facilitate financing access for France's 512,000 artisanal building companies (TPE with 1-10 employees). CAPEB's national network actively refers member businesses to CORHOFI for equipment, vehicle, and digital technology financing. The partnership provides an identified contact, adapted solutions, and investment capability without destabilizing company cash flow. CAPEB President Jean-Christophe Repon emphasized the partnership's goal of simplified financing access for members and long-term accompaniment.
• TMA France (Association)coreStrategic or Co-development PartnerCORHOFI is a member of TMA France in Paris, the Turnaround Management Association. Membership in TMA supports CORHOFI's business turnaround financing activities, providing a network of turnaround professionals and institutional connections that reinforce its 13-year turnaround expertise.
• P&R (Association)coreStrategic or Co-development PartnerCORHOFI is a member of P&R association, present in Lyon, Toulouse, Montpellier, and Marseille. P&R is a professional network for turnaround and restructuring professionals that complements CORHOFI's corporate turnaround financing activities.
• AARO - Acteurs du Retournement de l'OuestcoreStrategic or Co-development PartnerCORHOFI is a member of AARO (Actors of Turnaround West), based in Nantes. This regional network of turnaround professionals supports CORHOFI's presence and expertise in western France's corporate turnaround ecosystem.
• Entraide & Entrepreneurs (E&E)coreStrategic or Co-development PartnerCORHOFI provides free office space to the Association Entraide & Entrepreneurs (presided by Claudine Pery) at its Mérignac agency. E&E supports businesses in difficulty, providing multidisciplinary expert accompaniment to preserve employment and craftsmanship. Some CORHOFI employees serve as volunteer members of E&E.
• APISAVEURSminorOthersAPISAVEURS, an artisanal beekeeping business based in Chasselay (69), installed 4 beehives in CORHOFI's Lyon park. Jan Ondrasik, the beekeeper, maintains the hives year-round and offers CORHOFI employees educational sessions on bee ecology.
• Fondation des Hospices Civils de Lyon - PHAGEInLyonminorOthersCORHOFI has supported the PHAGEInLyon project for 6 consecutive years. This medical research initiative, led by Hospices Civils de Lyon, develops bacteriophage (phage) therapy as an alternative to antibiotics for treating antibiotic-resistant bacterial infections.
• Mécénat Chirurgie CardiaqueminorOthersCORHOFI has supported Mécénat Chirurgie Cardiaque for 4 consecutive years, helping fund heart surgeries for children from developing countries at Lyon hospitals. Already 5 operations financed at Lyon since 2023.
• L'Hirondelle - Centre de Soins pour Animaux SauvagesminorOthersCORHOFI supports L'Hirondelle, a wildlife animal rescue center serving the Rhône, Loire, Drôme, and Ardèche regions. The center treats over 7,000 animals annually, the most in France. CORHOFI committed to supporting the center in 2026 as it expands to a 140-hectare property in Drôme.

Scale indicators9 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• BNP Paribas Leasing Solutions: Leasing arm of BNP Paribas, the largest French bank. Directly competes with CORHOFI in equipment and professional financing for SMEs, with overlapping product set (financial leasing, credit-bail, sale & leaseback) and similar customer segments.
• Crédit Agricole Leasing & Factoring: Leasing subsidiary of Crédit Agricole Group, one of France's largest banks. Offers equipment leasing, credit-bail, and mobility financing to corporates and SMEs, making it a direct competitor across multiple of CORHOFI's verticals.
• Société Générale Equipment Finance (SGEF): Société Générale's equipment finance division provides vendor and direct equipment financing across Europe. Competes directly with CORHOFI in SME equipment leasing, particularly in industrial, agricultural, and transport verticals.
• Natixis Lease: Leasing subsidiary of Natixis (BPCE Group), offering financial leasing, credit-bail, and sale & leaseback to French SMEs and mid-market companies across multiple sectors.
• GRENKE AG: German-listed independent specialist in SME equipment leasing with a bank-independent positioning similar to CORHOFI's. Operates across Europe with a comparable product set (financial leasing, hire-purchase, factoring) for SMB clients often underserved by banks.
• CHG-MERIDIAN: German-based global equipment financing specialist serving mid-market and enterprise clients with technology and industrial asset leasing. Directly comparable in scale, geographic footprint, and product breadth.
• DLL (De Lage Landen): Global vendor finance provider owned by Rabobank, active in equipment leasing across food, agriculture, healthcare, and industrial sectors. Comparable in multi-vertical equipment leasing model and European presence.

Broad incumbents

• Siemens Financial Services: Captive financing arm of Siemens, offering equipment financing alongside a broader industrial portfolio. Comparable in industrial and technology equipment leasing, though it primarily serves Siemens' own customer base.

Emerging players

• Marlin Industrial Leasing: US-based independent equipment finance provider focused on small-ticket leasing for SMBs, similar to CORHOFI's SME niche. Comparable in non-bank positioning and vendor-channel partnerships, though primarily operating in the US market.

Regional players

• CIC (Crédit Mutuel Leasing): Leasing subsidiary of Crédit Mutuel Group, providing equipment financing, credit-bail, and professional loans to French SMEs and small businesses. Comparable regional French focus and customer base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/corhofi

Revenue estimate

Valuation estimate

Number of profiles

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 Corhofi