Banket

What Banket does

Banket is a French fintech founded in 2020 and headquartered in Caen, operating a dual digital platform that disintermediates traditional mortgage and business-credit brokers in the French market. Its core proposition is a self-service model under the "courtier sans courtier" positioning: individuals and small businesses build their own structured credit dossier on the platform and publish it directly to a network of 20+ partner banks, which then compete for the borrower's business by initiating contact. The platform serves two distinct segments: BANKET IMMO for individual residential mortgage borrowers (primary residence, investment property, renovation, construction, land acquisition) and BANKET PRO for entrepreneurs, artisans, TPE/PME, startups, and associations seeking business credit.

The platform's technical architecture centers on an AI-guided dossier creation flow with structured data capture across identity, employment, housing, health, and financial dimensions, followed by automated verification against bank requirements prior to publication. Once published, the dossier is distributed across the partner bank network and anonymized to remove potential personal bias in bank evaluation. Users receive real-time visibility into which banks have consulted or downloaded their dossier, with email notifications on access events, and direct contact capability when banks express interest. Supplementary modules include a mortgage rate simulator, loan calculation tools, an online training space, and structured templates for dossier preparation.

The business model separates monetization between the two segments. Individual users create their dossier for free and pay a one-time €160 TTC fee only when publishing to the bank network, contrasting with traditional broker fees of 1-2% of loan amount (typically €3,000-€6,000 on a €300,000 French mortgage). The professional segment is entirely free for users, with Banket monetizing through its bank partner relationships. Geographic coverage spans all French metropolitan regions plus overseas territories (DOM-TOM), and customer acquisition relies on content marketing, SEO, organic social (Instagram, LinkedIn, Facebook), and referral partnerships with French startup and entrepreneurship support organizations. As of input, Banket reports 5,000+ users successfully supported, with operations run by a team of 1-10.

Name

Banket

Legal name

Banket

Website

https://banket.fr

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

Banket is a French fintech operating a dual digital platform enabling individual borrowers and small businesses to publish credit dossiers directly to 20+ partner banks, replacing traditional mortgage and business-credit brokers with a self-service, €160 flat-fee model.

Ownership category

akta.pro rank

Headquarters

HQ city

Caen

HQ country

France

HQ region

Europe

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Individual Credit Dossier Publishing Fee: Users create mortgage dossiers for free and pay a one-time fee of 160€ TTC (including tax) only when they choose to publish their dossier to the network of 20+ partner banks. No subscription, no recurring fees, no hidden costs. The fee covers dossier verification by an expert, distribution to all banks, real-time monitoring access, and unlimited bank consultations during the active period
2. Professional Credit Platform (Banket Pro): The professional credit platform for business owners is entirely free for users. Banket monetizes through partnerships with banks who pay for access to qualified business credit applicants. The platform facilitates introductions between entrepreneurs and banking institutions including traditional banks and alternative lenders

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels6 records

Core offering

Banket operates a digital self-serve platform that enables individuals and businesses to create their own mortgage or business credit dossiers with AI guidance and publish them simultaneously to a network of 20+ partner banks across France. Borrowers pay a one-time 160€ TTC fee (individual service) or nothing (professional service) to have their dossier verified, distributed anonymously to partner banks, and tracked in real-time as banks download and contact them directly, eliminating traditional mortgage broker fees of 3,000-6,000€.

Product overview

Banket operates as a dual-platform service comprising BANKET IMMO for residential mortgage financing and BANKET PRO for professional/business credit. Both platforms share a common architecture: users create an anonymized dossier (guided by AI), publish it to the bank's network, and receive direct contact from interested banks. The core service is free for dossier creation, with a single 160€ TTC fee for bank matching. Supplementary tools include mortgage rate simulators, loan calculation tools, online training resources, and document templates that support users throughout the financing process. BANKET positions itself as a "courtage sans courtier" (brokerage without brokers), inverting the traditional model so banks contact borrowers rather than the reverse.

Differentiator

Problem solved

Functional benefit

Brands

• Banket Immobilier: Mortgage brokerage platform enabling users to become their own mortgage broker, publishing loan applications to 20+ banks for €160.

Products and services

• BANKET IMMO

Quantifiable outcome

• Users save 3,000-5,000€ compared to traditional broker fees (1-2% of loan amount on typical 300,000€ mortgages)
• +3 more outcomes

Named customers10 records

Segments5 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature4 records

Partnerships

15 partnerships are on record, tiered core and minor.

• LCLcoreGTM or Marketing PartnerMajor French retail bank operating as a partner on the Banket platform. LCL provides mortgage financing options to individual borrowers who receive requests through the platform. One of the primary banking partners visible in the platform's logo section
• Caisse d'ÉpargnecoreGTM or Marketing PartnerRegional savings bank partner providing credit services to Banket users. Visible as a primary banking partner on the platform, serving customers across multiple French regions including Bretagne Pays de Loire
• Banque PopulairecoreGTM or Marketing PartnerFrench cooperative banking group and primary banking partner on Banket. Multiple regional entities (Banque Populaire Grand Ouest, Banque Populaire Val de France) are connected to the platform
• Crédit MutuelcoreGTM or Marketing PartnerMutual banking group partner providing credit services through the platform. Crédit Mutuel Bretagne is specifically visible as a connected regional entity
• Société GénéralecoreGTM or Marketing PartnerMajor French banking group and primary partner on the Banket platform for providing credit services to borrowers
• ADIEminorGTM or Marketing PartnerAssociation pour le Droit à l'Initiative Économique - microfinance organization supporting entrepreneurs. Provides microcredit and business support services integrated with Banket Pro for entrepreneurs lacking traditional bank access
• France ActiveminorGTM or Marketing PartnerSocial investment fund supporting entrepreneurs and associations. Partner on Banket Pro providing financing options for social enterprises and impact-driven businesses
• Réseau InitiativeminorGTM or Marketing PartnerNetwork of local entrepreneurship support organizations (Business Angels and incubators). Referral partner connecting entrepreneurs seeking financing to the Banket platform
• French TechminorGTM or Marketing PartnerNational initiative supporting French tech startups and entrepreneurs. Ecosystem partner referring tech entrepreneurs to Banket Pro for financing solutions
• Normandie IncubationminorGTM or Marketing PartnerBusiness incubator in Normandy region supporting startups and entrepreneurs. Refers incubee companies to Banket Pro for banking access and financing solutions
• BGE NormandieminorGTM or Marketing PartnerGuichet Entreprises - small business support organization providing guidance and resources to entrepreneurs in Normandy. Ecosystem partner for Banket Pro
• Pôle TESminorGTM or Marketing PartnerBusiness support organization (Technopole/Ecosystem) helping entrepreneurs develop projects. Ecosystem partner referring members to Banket Pro for financing
• KATAPULTminorGTM or Marketing PartnerStartup accelerator and support organization. Refers portfolio companies to Banket Pro for accessing traditional and alternative banking financing
• CAEN NORMANDIE DEVELOPMENTminorGTM or Marketing PartnerEconomic development agency for Caen and Normandy region. Ecosystem partner connecting local entrepreneurs to Banket's financing platform
• CCI Rouen MétropoleminorGTM or Marketing PartnerChambre de Commerce et d'Industrie (Chamber of Commerce) for Rouen metropolitan area. Refers business clients to Banket Pro for financing support

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• ACE Crédit: ACE Crédit is a French mortgage broker operating a network of agencies and digital tools to connect borrowers with bank partners. It is a direct comparator to Banket on French individual mortgage intermediation, though with a more agency-led distribution model.
• Pretto: Pretto is a French digital mortgage broker offering a self-serve online platform that matches borrowers with bank partners for mortgage financing. It directly competes with Banket's BANKET IMMO offering on the same value proposition: simplifying and reducing the cost of mortgage origination versus traditional brokers.
• Meilleurtaux: Meilleurtaux is one of France's largest mortgage and insurance broker platforms, connecting borrowers with partner banks and insurers via a hybrid online and in-person network. It is a direct competitor to Banket in mortgage brokerage, with overlapping partner banks and customer segments.
• Vousfinancer: Vousfinancer is a French mortgage broker network with a partnership-based model linking borrowers to bank lenders. It is comparable to Banket in operating a multi-bank mortgage intermediation franchise targeting French individual borrowers.
• Cafpi: Cafpi is a major French mortgage broker with a national agency footprint and bank partnership network. It serves the same French individual mortgage borrower segment as Banket and represents the traditional broker model that Banket's low-cost digital approach is disrupting.
• Empruntis: Empruntis is a French mortgage and credit comparison and brokerage platform operating as an intermediary between borrowers and partner banks. It targets the same French individual mortgage customer as Banket and competes on multi-bank rate comparison.
• Boursedescrédits: Boursedescrédits is a French mortgage, consumer credit, and insurance comparison and brokerage platform. It overlaps with Banket on the mortgage intermediation category, providing multi-bank matching and rate comparison to French consumers.
• Artémis Courtage: Artémis Courtage is a French mortgage broker operating a partnership network linking borrowers to bank lenders. It is comparable to Banket as a French mortgage intermediary serving individual borrowers with multi-bank distribution.

Broad incumbents

• Younited Credit: Younited Credit is a French consumer credit platform that lends directly rather than intermediating, with a regulated credit institution status. It is comparable to Banket's Banket Pro business in serving French consumer and professional credit demand, though it funds loans from its own balance sheet instead of brokering to partner banks.

Regional players

• Habito: Habito is a UK-based digital mortgage broker with a self-serve platform that matches borrowers with lender partners, conceptually similar to Banket. It serves the UK market rather than France, making it a regional peer rather than a direct competitor, but the operating model is closely aligned.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/people/Banket/100067640411648
• LinkedInlinkedin.com/company/bankettouteslesbanquesmeveulent
• Instagraminstagram.com/banket_officiel

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

Investors1 record

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 Banket