Financo FR
Financo is a French consumer credit provider, founded 1986 and subsidiary of Crédit Mutuel Arkéa, offering auto, motorcycle, project, and internet loans to individuals and embedded point-of-sale financing to a multi-vertical retail partner network across France.
- Company typePrivate
- Founded1986
- HeadquartersGuipavas, France
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
What Financo FR does
Financo is a French consumer credit provider founded in 1986 and headquartered in Guipavas, France, operating as a wholly-owned subsidiary of Crédit Mutuel Arkéa, a cooperative banking-insurance group. The company originates point-of-sale and direct-to-consumer credit products, including auto loans, motorbike loans, work and project loans, and internet credit, and bundles these with insurance offerings such as Ma Garantie Loisir. Financo employs between 251 and 500 staff.
The company's distribution model is dual-track. On the B2B side, Financo embeds financing into the point-of-sale workflows of a multi-vertical retail partner network spanning home improvement (Tryba, Concept Alu), grocery (Systeme U), automotive and motorcycles (Harley Davidson, Triumph, GVO, Vodiff), recreational vehicles (Hymer, Burstner), and services (Seris). On the B2C side, individual borrowers access credit directly through an online client portal and a partner portal for retailer-managed applications. Revenue is generated through interest on originated loans and credit products, with pricing individualized by credit profile and project type and not publicly disclosed.
Technically, Financo's core platform is not publicly documented; the principal disclosed technology integration is the October 2023 partnership with Bleckwen, which supplies anomaly detection for credit fraud prevention. The company holds "société à mission" status under French law, formally codifying a sustainable consumption mission, and operates exclusively in the French market. No app, public API, or AI-native product surface is documented beyond the Bleckwen integration.
Financo FR firmographics
Firmographics- Name
- Financo FR
- Legal name
- Financo
- Website
- https://financo.eu
- Company type
- Private
- Founded year
- 1986
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Financo is a French consumer credit provider, founded 1986 and subsidiary of Crédit Mutuel Arkéa, offering auto, motorcycle, project, and internet loans to individuals and embedded point-of-sale financing to a multi-vertical retail partner network across France.
- Ownership category
- akta.pro rank
Financo FR industry classification
Industry- Product category
- Consumer Credit Services
- NAICS
- Sales Financing (52222)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)
- akta.pro secondary industry
- Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB)
Keywords
Where Financo FR is headquartered
LocationHeadquarters
- HQ city
- Guipavas
- HQ country
- France
- HQ region
- Europe
Markets served
Financo FR business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Credit and Financing Services: Financo provides financing solutions to individuals and retail partners, generating revenue through interest on loans and credit products. The company acts as a financial services provider embedded within retail partner ecosystems.
Go-to-market motion1 record
Distribution channels3 records
Marketing channels3 records
Financo FR product offering
Product offeringCore offering
Financo provides consumer and partner credit solutions in France, offering auto loans, motorcycle loans, work loans, project loans, and internet credit to individual borrowers, alongside embedded point-of-sale financing programs for retail and dealer partners. It complements these loans with insurance and guarantee products such as Ma Garantie Loisir, distributing them through an established network of retail partners and direct online portals under the Financo brand.
Product overview
Financo FR operates as a unified financing platform offering credit solutions across two primary segments: retail financing for business partners and consumer financing for individuals. The core offering includes point-of-sale financing and personal loans for consumers, supported by insurance products such as Ma Garantie Loisir. The company is a subsidiary of Crédit Mutuel Arkéa and positions itself around sustainable consumption financing.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Consumer Credit Solutions (Solutions de Financement Particuliers)
Companies that use Financo FR
Customer profileNamed customers10 records
Segments2 records
Ideal customer profiles2 records
Financo FR technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Financo FR partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered strategic, flagship and core.
- BleckwenstrategicFinanco and Bleckwen partnered to fight against credit fraud. Bleckwen provides fraud prevention technology to enhance Financo's credit operations security and protect against fraudulent loan applications.
- TrybaflagshipTryba is a home improvement retailer partner offering Financo financing solutions to customers undertaking renovation and home improvement projects.
- Systeme UflagshipSysteme U is a major grocery retail chain partner offering Financo financing solutions, demonstrating diversification across retail sectors.
- Harley DavidsonflagshipHarley Davidson motorcycle dealership partner offering Financo financing for motorcycle purchases, representing the automotive/recreational vehicle segment.
- HymerflagshipHymer is a recreational vehicle manufacturer partner offering Financo financing solutions to customers purchasing motorhomes and caravans.
- BurstnerflagshipBurstner is a recreational vehicle manufacturer partner offering Financo financing solutions, part of the outdoor/leisure vehicle partner ecosystem.
- TriumphcoreTriumph motorcycle dealership partner offering Financo financing for motorcycle purchases, expanding the two-wheeler financing portfolio.
- Concept AlucoreConcept Alu is a home improvement retailer partner offering Financo financing for aluminum construction and renovation projects.
- SeriscoreSeris is a services company partner offering Financo financing solutions to their customer base.
- VodiffcoreVodiff is an automotive partner offering vehicle financing solutions through Financo.
- GVOcoreGVO is an automotive partner offering vehicle financing solutions through Financo.
Scale indicators2 records
Recent moves5 records
Expansion highlights4 records
Financo FR competitors and assessment
Company assessmentDirect peers
- Cofidis: French consumer credit specialist that provides POS financing and personal loans through partner retailers and direct-to-consumer; directly comparable because of similar product mix (auto, home improvement, personal project loans) and partner-led distribution model. Also a Crédit Mutuel group affiliate (Crédit Mutuel Alliance Fédérale), making it the closest strategic mirror to Financo.
- Cetelem (BNP Paribas Personal Finance): BNP Paribas subsidiary and the largest French consumer credit provider, offering personal loans, auto loans, and retail partner financing. Direct competitor in virtually every product line Financo operates, including POS credit at large retailers.
- Franfinance: Société Générale's consumer credit subsidiary offering personal loans, auto loans, and partner-distributed financing in France. Comparable in scale, product set, and bank-subsidiary structure to Financo.
- Sofinco (Crédit Agricole Consumer Finance): Crédit Agricole subsidiary providing consumer credit and POS financing across France, including home improvement, automotive, and personal project loans. Directly comparable bank-subsidiary competitor with similar multi-category partner strategy.
- Floa Bank: French consumer credit and payment solutions provider (BNP Paribas-affiliated) offering BNPL, personal loans, and partner-distributed financing. Comparable in offering POS credit and installment solutions through retail partners.
- Oney: Previously Banque Accord, now backed by Auchan and partners, offering split payments, credit, and POS financing at retail points of sale. Comparable embedded-financing business model targeting large retail networks.
Emerging players
- Younited Credit: French-born digital consumer lender scaling personal loans across Europe with a fintech-style operating model. Competitor in the same personal loan and credit refinancing categories, though primarily direct-to-consumer rather than partner-embedded.
Broad incumbents
- Crédit Mutuel Arkéa (parent): The cooperative banking group that owns Financo; offers broader retail banking, insurance, and corporate services. Relevant as Financo's parent and the source of its capital, regulatory charter, and group-wide banking infrastructure.
- Crédit Agricole Consumer Finance: Crédit Agricole group division that consolidates Sofinco and other consumer credit activities across Europe. Comparable as a French-headquartered bank-affiliated consumer credit platform operating across multiple countries.
Regional players
- Domofinance: French consumer credit specialist focused on home improvement and energy-efficiency financing, partnering with retailers and contractors. Comparable as a niche-focused French consumer credit partner-embedded lender.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Financo FR social profiles
Digital presenceFinanco FR financial estimates
Financial estimateRevenue estimate
Valuation estimate
Financo FR leadership team
Management profileNumber of profiles
Financo FR funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Financo FR 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 Financo FR
What does Financo FR do?
Financo provides consumer and partner credit solutions in France, offering auto loans, motorcycle loans, work loans, project loans, and internet credit to individual borrowers, alongside embedded point-of-sale financing programs for retail and dealer partners. It complements these loans with insurance and guarantee products such as Ma Garantie Loisir, distributing them through an established network of retail partners and direct online portals under the Financo brand.
Is Financo FR a public or private company?
Financo FR is a private company. It is classified as corporate owned and is currently operating.
When was Financo FR founded?
Financo FR was founded in 1986. It employs 251 to 500 people.
Where is Financo FR based?
Financo FR is headquartered in Guipavas, France, in the Europe region.
How does Financo FR make money?
One revenue line is on record: credit and Financing Services.
Who are Financo FR's main competitors?
Direct peers on record are Cofidis, Cetelem (BNP Paribas Personal Finance), Franfinance, Sofinco (Crédit Agricole Consumer Finance), Floa Bank and Oney. Younited Credit is listed as an emerging player. Broad incumbents are Crédit Mutuel Arkéa (parent) and Crédit Agricole Consumer Finance. Domofinance is listed as a regional player.
Does Financo FR have an API?
No public API is recorded for Financo FR.
What industry is Financo FR in?
Financo FR's product category is Consumer Credit Services. Its primary akta.pro industry code is FSAGALAD, Embedded Lending & Credit (POS, Working Capital, Credit Lines), with a secondary code of FSABAAAB, Retail Lending (Personal Loans, Auto, Credit Lines). Its NAICS code is 52222 and its SIC code is 6141.