What Eloa does

Eloa operates a multi-vertical SaaS platform that digitalizes credit and insurance distribution for regulated financial intermediaries, real estate professionals, and used vehicle dealers in France. The company is organized around four product lines: eCrédits (core brokerage software for IOBSP intermediaries handling mortgage, consumer, professional, and consolidation credit), eImmo (real estate professional platform with sale and rental modules), eMobilité with eAuto and eMoto sub-products (dealership management for auto and two-wheeler professionals), and eServices (white-label consumer credit for various retail verticals). The platform is differentiated by the IA Courtier and IA Mobilité modules, which integrate OpenAI and Mistral AI models to accelerate loan file processing and automate broker workflows, and by an API-connected partner ecosystem spanning BPCE (Banque Populaire, Caisse d'Epargne), five consumer credit lenders, APRIL and Assuréa for borrower insurance, Luko for home insurance, and Yousign for electronic signature. Credit scoring is powered by a proprietary engine trained on 20,000+ monthly loan files aggregated from 3,000+ affiliated brokers. Eloa monetizes through monthly SaaS subscriptions (e.g., eImmo at €79 HT/month/user, eServices at €39 HT/month), banking commissions of up to 1% on finalized loans, and insurance distribution commissions as an introducing agent. The company is privately held by co-founders Ludovic Laborde (CEO) and Fabienne Laborde (COO), operates under MELINEE SAS, is registered with ORIAS as both an IOBSP and insurance broker (registration 21007590), and is supervised by the ACPR. It has raised €1.3M in seed funding (March 2019) and operates with a lean team of approximately 15 collaborators.

Name

Eloa

Legal name

MELINEE SAS

Website

https://eloa.io

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Eloa provides a multi-vertical SaaS platform that digitalizes credit and insurance distribution for French credit intermediaries, real estate professionals, and used vehicle dealers, integrating AI-driven loan processing, API-connected banking partners, and proprietary credit scoring.

Ownership category

akta.pro rank

Product category

Loan Origination and Credit Brokerage Software

NAICS

Software Publishers (513210), Credit Intermediation and Related Activities (522)

SIC

Services-Computer Programming Services (7371), Loan Brokers (6163)

akta.pro primary industry

Product, Pricing & Eligibility (PPE) / Rate Lock & Pricing Engines (FSALALAC)

akta.pro secondary industries

Income, Employment & Asset Verification (VOI/VOE/VOA) (FSALALAF), Quality Control (QC), Compliance & Audit Tools for Underwriting (FSALALAL)

Keywords

• Credit brokerage software
• Insurance distribution platform
• Loan origination SaaS
• Mortgage intermediary tools
• Consumer credit CRM

Headquarters

HQ city

Clermont-créans

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS Subscription - eCrédits: Monthly subscription fees for the eCrédits platform designed for credit intermediaries, covering mortgage, consumer, professional, and credit consolidation products
2. SaaS Subscription - eImmo: Monthly subscription fees for real estate professionals platform at €79 HT/month/user
3. SaaS Subscription - eServices: Monthly subscription for professionals in auto, leisure vehicles, and home services sectors at €39 HT/month without commitment
4. SaaS Subscription - eMobilité: Monthly subscription for automobile and 2-wheeler professionals using eAuto and eMoto platforms
5. Banking Commissions: Eloa receives commissions from banking partners for each finalized loan, calculated at up to 1% of the loan amount according to regulatory requirements
6. Insurance Distribution Commissions: Commissions earned as introducing agent (apporteur d'affaires) on borrower insurance (ADE) and home insurance (MRH) contracts distributed through the platform

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Eloa provides a multi-vertical SaaS platform that enables credit intermediaries (IOBSP), real estate professionals, and used vehicle dealers to digitize the distribution of loans (mortgage, consumer, professional, and loan consolidation) and insurance products (borrower and home insurance). The platform integrates AI-powered loan file processing (OpenAI and Mistral AI), real-time API connections to banking partners (BPCE and 5 consumer credit lenders) and insurance partners (APRIL, Assuréa, Luko), electronic signature workflows, and a credit scoring engine trained on more than 20,000 loan files per month. Eloa additionally earns commissions as an introducing agent on banking and insurance products finalized through its platform.

Product overview

Eloa is a SaaS platform composed of four interconnected product lines: eCrédits (core IOBSP brokerage software handling mortgage, consumer, professional, and loan consolidation credits), eImmo (for real estate professionals with sale and rental modules), eMobilité (for automotive/2-wheelers with eAuto and eMoto sub-products), and eServices (white-label consumer credit for various industries). The platform integrates AI capabilities via IA Courtier and IA Mobilité, connects to banking and insurance partners via API, and provides data analytics through Data d'Eloa. Insurance products (assurance emprunteur and assurance habitation) are distributed as integrated modules.

Differentiator

Problem solved

Functional benefit

Brands

• eCrédits: Software platform for financial intermediaries offering credit distribution (immobilier, consommation, professionnel, regroupement de crédits).
• eImmo
• eMobilité
• eServices

Products and services

• eCrédits Primary SaaS brokerage software for financial intermediaries (IOBSP) handling all credit types — mortgage, consumer, professional, and loan consolidation. Fully configurable platform that centralizes broker tasks with electronic signature, document upload, real-time credit scoring, and AI-powered loan file processing (IA Courtier via OpenAI and Mistral AI).
• eImmo SaaS platform for real estate professionals (agencies, notaries, wealth management advisors / CGP) enabling distribution of mortgage credit and home insurance (MRH). Includes sale and rental modules with integrated credit scoring, comparison tools, and digital subscription flows at €79 HT/month/user.
• eMobilité (eAuto and eMoto) SaaS platform for used automobile and 2-wheeler professionals, comprising eAuto (automobile management) and eMoto (motorcycle management) sub-products. Includes stock management, CRM, document generation, digital police book, accounting and invoicing, integrated credit and insurance distribution, listing distribution, and AI-powered sales acceleration (IA Mobilité).
• eServices White-label consumer credit platform enabling various industry professionals (auto, boats, bicycles, caravans, home improvement, recreational vehicles) to offer financing solutions to their customers via integrated API, priced at €39 HT/month without commitment.
• Data d'Eloa Market data platform aggregating information from 2,600+ financial intermediaries covering 250,000+ clients, providing monthly-updated borrower profiles and interest rate benchmarks segmented by region, city, and income level for the French credit market.

Quantifiable outcome

• 17/20 security rating on penetration testing
• +2 more outcomes

Named customers13 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability7 records

Feature5 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• BPCE (Banque Populaire et Caisse d'Epargne)coreTechnology or IntegrationAPI integration enabling automatic transmission of mortgage loan files to banking partners. Partners include Banque Populaire and Caisse d'Epargne networks for streamlined loan processing and real-time eligibility scoring.
• APRILcoreTechnology or IntegrationFrance's leading wholesale broker (courtier grossiste) integrated via API for borrower insurance (assurance emprunteur) distribution. Enables automatic coverage determination based on loan data and client profiles.
• AssuréacoreTechnology or IntegrationWholesale broker specializing in borrower guarantees integrated via API. Provides comprehensive insurance contracts for mortgage lending with automatic data reintegration into financing plans.
• LukocoreTechnology or IntegrationAPI integration with France's #1 neo home insurance provider for MRH (assurance habitation) and PNO (Propriétaire Non Occupant) products. Offers digital subscription with electronic signature and coverage starting from €3.30/month.
• Consumer Credit Lenders (5 API integrations)coreTechnology or IntegrationAPI connections to leading consumer credit distribution institutions. Each partner analyzes borrower eligibility and provides immediate agreement in principle within seconds, multiplying financing approval chances.
• Finance InnovationminorOthersFinance Innovation cluster supporting innovative fintech companies in France. Eloa ranked 29th in the Fintech 100 ranking organized by Finance Innovation.
• ANACOFIminorOthersNational association of financial advisors and brokers in France. Professional member network visible on Eloa client pages.
• Hyalin - Lloyd's BelgiqueminorOthersProfessional liability insurance provider (RC Professionnelle) for ELOA as IOBSP and insurance broker, ensuring regulatory compliance and client protection.

Scale indicators8 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• CAFPI: France's leading mortgage broker, with hundreds of branches and a long-established broker technology platform. Comparable as a large incumbent in the same French mortgage intermediation value chain.
• Boursorama Banque: France's leading online bank, part of Soci\u00e9t\u00e9 G\u00e9n\u00e9rale, offering direct mortgage, consumer credit and insurance products. Comparable as a large incumbent that competes with Eloa's partner banks for credit distribution in France.
• Younited Credit: French consumer credit fintech operating proprietary lending and distribution technology, including APIs and partner integrations. Comparable as a French digital credit distribution platform with partner-led GTM.
• Meilleurtaux: Major French mortgage and insurance broker and comparison platform with proprietary tools. Comparable as an established incumbent operating across credit, insurance and digital distribution in France.

Direct peers

• Vousfinancer: One of France's largest mortgage broker networks, operating proprietary technology to distribute mortgage and insurance products. Direct comparable as a French credit intermediary with its own tech stack serving brokers and consumers.
• Art\u00e9mis Courtage: French credit brokerage software and services provider serving independent brokers with management tools. Direct comparable as a SaaS-style platform targeting the same IOBSP intermediary segment.
• ACE Cr\u00e9dit: French mortgage broker network serving individual borrowers with a proprietary digital platform. Direct comparable as a French credit intermediary with technology tools for brokers and clients.
• Empruntis: Long-established French mortgage and credit broker and comparison platform. Comparable as a French credit intermediary that also appears in Eloa's customer base, with overlapping broker and consumer distribution.
• Le-Partenaire.fr: French credit brokerage and financial services software provider where Eloa CEO Ludovic Laborde previously worked. Closely comparable SaaS targeting the same IOBSP and credit intermediary market in France.

Emerging players

• Pretto: Online-first French mortgage broker with its own digital workflow technology. Comparable as a digital-native mortgage intermediary targeting similar borrowers and competing for the same broker-to-buyer distribution channel.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/Eloa_i_o

Compliance4 records

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 Eloa