What Partners Finances does

Partners Finances (legal entity SAS PARTNERS FINANCES, RCS Nancy n°404 681 496) is a French credit intermediation platform operating as a non-exclusive banking intermediary (IOBSP, ORIAS n°07 036 794) under ACPR supervision. Founded in 1993 by Sylvain Méharèche (current Deputy CEO) under the predecessor name Spartfin, the company specialises in credit consolidation (regroupement de crédits), combining multiple consumer loans, mortgages, and revolving credit into a single new facility with one monthly payment and one interest rate. It also distributes adjacent retail-credit products: prêt viager hypothécaire (equity release for borrowers aged 60+), prêt de trésorerie hypothécaire (secured liquidity against property), real estate financing, consumer credit, borrower insurance, and professional loans. The company is part of Groupe Empruntis, following a 2015 strategic alliance with Empruntis, and operates internationally in Portugal, Spain, Germany, Belgium, and Luxembourg.

The core technology stack is a proprietary simulation and loan-management platform updated annually (2026 release: Simulateur optimisé), with direct API bridges to partner lenders enabling seamless file transfer and real-time status updates. A custom CRM and portfolio management system supports the affiliated adviser network (Réseau Affilié), and a dedicated B2B2C sub-brand, Partners Premium, runs a separate digital platform for real-time dossier tracking by wealth managers, notaries, accountants, and bankers. Distribution is hybrid: a free online simulation tool drives top-of-funnel demand, an in-house inside-sales team responds within 24 hours, and an affiliated network of 100,400 advisers across France provides physical reach. Banking partnerships span BNP Paribas (and its Sygma, Cardif, and main-entity arms), Société Générale and subsidiary CGI, Crédit Agricole Consumer Finance, Younited, La Banque Postale Consumer Finance, My Money Bank, CFCAL, CREATIS, SOFIAP, and Banque Populaire Méditerranée, with insurance partnerships through April, Cardif, and Swiss Life France.

Partners Finances earns revenue primarily through intermediation commissions from banking partners on successfully funded loans (transaction-fee model), with no publicly disclosed pricing. Customers are predominantly individual French households (16.9 million cumulative inquiries, 159,691 households served historically), supplemented by professional intermediaries served via Partners Premium. The company holds ISO 9001 quality certification and operates from its Nancy headquarters (22 rue de Malzéville) with 251-500 employees per firmographic data. The affiliated-adviser count of 100,400 represents the broader Réseau Affilié, not direct headcount.

Name

Partners Finances

Legal name

SAS PARTNERS FINANCES

Website

https://partners-finances.fr

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

251–500 employees

Short description

Partners Finances is a French credit intermediation platform (IOBSP) specialising in loan consolidation and refinancing, serving individual consumers, property owners, and seniors across France and five other European countries via an in-house team and a 100,400-adviser affiliated network.

Ownership category

akta.pro rank

Product category

Credit Intermediation

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Other Nondepository Credit Intermediation (52229), Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163), Personal Credit Institutions (6141)

akta.pro primary industry

Multi-Loan / Multi-Creditor Consolidation Loans (FSAKAIAD)

akta.pro secondary industries

Lending & Credit Disbursements (FSAMAKAH), Reverse Mortgage Brokerage (FSAEAEAE)

Keywords

• Credit consolidation services
• Loan refinancing brokerage
• Mortgage intermediation
• Consumer lending services
• Banking intermediary France

Headquarters

HQ city

Dommartemont

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Intermediation commissions from banking partners: As a non-exclusive banking intermediary (Mandataire non exclusif IOBSP), Partners Finances earns commissions from lending partners when a loan is successfully funded. The company presents client dossiers to partner banks and receives remuneration for the introduction. This is a transactional, success-based revenue model tied to completed financing operations.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Partners Finances operates as a non-exclusive banking intermediary (Mandataire non exclusif IOBSP) that consolidates multiple existing loans (consumer credit, mortgage, revolving credit) into a single loan with one monthly payment and one interest rate. The company also intermediates lifetime mortgages for seniors (prêt viager hypothécaire), home equity cash loans (prêt de trésorerie hypothécaire), real estate financing, consumer credit, borrower insurance, and professional loans, earning commissions from partner banks upon successful funding.

Product overview

Partners Finances operates as a credit intermediation platform offering credit consolidation and financial restructuring solutions. The core offering centers on regroupement de crédits (loan consolidation), which combines multiple existing loans into a single unified loan. Supporting products include Prêt viager hypothécaire (lifetime mortgage for seniors 60+), Prêt de trésorerie hypothécaire (home equity cash release), real estate financing, consumer credit, loan insurance, and professional/business loans. The company also operates Partners Premium as a specialized sub-brand for wealth management professionals, notaries, and accountants offering complex financial solutions including SCPI financing and heritage consolidation. Additionally, a Réseau Affilié partner program enables professionals to distribute these products through a white-label or affiliate model with dedicated tooling.

Differentiator

Problem solved

Functional benefit

Brands

• Partners Premium: Premium financial solutions brand targeting wealth management advisors, notaries, accountants, and bankers. Offers treasury loans, viager loans, SCPI financing, professional loans, and debt consolidation services.

Products and services

• Regroupement de crédits (Rachat de crédits) Consolidates multiple existing loans (consumer credit, mortgage, revolving credit) into a single new loan with one monthly payment and one interest rate, simplifying debt management and potentially reducing monthly payments for individual borrowers.
• Prêt viager hypothécaire Lifetime mortgage for seniors (60+) that releases equity from their primary residence without requiring a sale; no health questionnaires or standard borrower insurance required.
• Prêt de trésorerie hypothécaire (PTH) Home equity-based cash loan allowing property owners to access liquidity by placing a mortgage guarantee on their real estate without disturbing existing investments. Flexible repayment modalities.
• Immobilier (Prêt immobilier) Real estate financing for property purchases, including mortgage loans and refinancing options for existing property loans.
• Crédit conso (Crédit consommation) Consumer credit products for personal financing needs including auto loans, home improvement loans, and personal loans.
• Assurances Borrower insurance for mortgage and consumer loans covering death, disability, and unemployment risks, brokered through insurance partners such as April, Cardif, and Swiss Life France.
• Prêt professionnel Professional/business loans for entrepreneurs and companies, including business development financing, working capital, equipment purchases, and business acquisition loans.
• Partners Premium Specialized sub-brand targeting wealth management advisers, notaries, accountants, and bankers; offers a platform for managing complex client financial situations including SCPI financing, associate current account financing, personal heritage consolidation, and tax/social debt restructuring.
• Réseau Affilié (Affiliated Network) Affiliate network program allowing independent financial advisers and brokers to distribute Partners Finances' products (credit consolidation, mortgage, viager, home equity, professional loans) with legal compliance support, dedicated account management, and a custom simulation tool, without commitment or entry fees.

Quantifiable outcome

• Free simulation completed online in under 3 minutes
• +2 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered supporting and core.

• AprilsupportingOthers114 boulevard Vivier Merle, 69439 Lyon Cedex 03. Insurance broker and provider. R.C.S. Lyon n° 377 994 553.
• Cardif (BNP Paribas Assurance)supportingOthers1 boulevard Haussmann, TSA 93000, 75318 Paris Cedex 09. Life insurance and credit insurance subsidiary of BNP Paribas. R.C.S. Paris n° 732 028 154.
• Swiss Life FrancesupportingOthers1 rue Bellini, 92800 Puteaux. Insurance company. R.C.S. Nanterre n° 424 245 884.
• Groupe MENTOR (parent group)coreStrategic or Co-development PartnerPartners Finances and Partners Premium belong to the Groupe MENTOR. Certain group companies and their collaborators may access customer data for operational purposes and to propose relevant products and services.
• EmpruntiscoreStrategic or Co-development PartnerStrategic alliance with Empruntis to broaden the range of financing solutions offered. Partners Finances is described as a company of the Empruntis Group. The two entities combined serve borrowers with a comprehensive range of products.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Meilleurtaux: Leading French mortgage and consumer credit broker with a multi-bank comparison model. Direct competitor to Partners Finances in consolidation intermediation, sharing the inside-sales advisory motion and broad partner-bank network.
• Pretto: Digital-first French mortgage broker offering online simulation and dedicated adviser follow-up. Highly comparable to Partners Finances' sim-first, in-house adviser GTM motion, with overlap on home loan and refinancing products.
• Younited Credit: France-based online consumer credit platform operating a marketplace lending model. Already an active lending partner of Partners Finances, but directly competes for consumer credit and consolidation volumes through its own direct-to-consumer channels.
• Empruntis: Sister company under Groupe Empruntis offering mortgage and consolidation intermediation. Joins Partners Finances' product range under one group strategy and competes from a shared digital customer base.

Broad incumbents

• Cofidis: Major French consumer-credit subsidiary of Crédit Mutuel offering credit consolidation and personal loans directly. Represents the lender side of the intermediation chain that Partners Finances distributes into.
• Cetelem (BNP Paribas Personal Finance): Consumer credit arm of BNP Paribas and one of Partners Finances' largest lending partners. Competes directly in credit consolidation while simultaneously funding broker-originated dossiers.
• Sofinco (Crédit Agricole Consumer Finance): Crédit Agricole group's consumer finance brand, lending partner for Partners Finances under the "Credit Lift" label. Provides direct consolidation products that overlap with Partners Finances' intermediation offering.
• Crédit Foncier de France: Historic French mortgage specialist (related to BPCE group) competing in real-estate-backed lending including consolidation and home equity lines. Comparable on mortgage-backed consolidation products offered by Partners Finances' PTH line.

Emerging players

• Boursorama Banque: Leading French digital-only bank with growing consumer credit and mortgage offerings. Represents the disintermediation threat as borrowers can increasingly obtain consolidation or refinancing directly online without a broker.

Others

• April: French insurance broker and credit insurance partner of Partners Finances. Adjacent in the loan distribution stack but provides insurance rather than credit intermediation, operating as an ecosystem participant.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/PFofficiel
• Facebookfacebook.com/PartnersFinances
• LinkedInlinkedin.com/company/partners-finances

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Partners Finances