Money'Up

What Money'Up does

Money'Up is the holding entity behind Groupe Win'Up, a privately-held French financial services conglomerate headquartered in Rennes, France, with its primary operating subsidiary Crédit Conseil de France (also branded 2CF). Founded in 2017, the group addresses the French consumer credit consolidation (rachat de crédits / regroupement de crédits) market, helping individual borrowers centralize multiple active loan lines into a single credit under one interest rate and one monthly payment. The product portfolio also includes specialized consolidation variants for automobile financing, retirees, home renovation (travaux), and co-ownership buyout (rachat de soulte), alongside free online simulation calculators and tools used by prospects to estimate new monthly payments. Operations extend across metropolitan France and French overseas territories (Guadeloupe, Martinique).

The group distributes through a hybrid model: a network of more than 20 physical agencies providing in-person, personalized advisory complemented by digital-only channels operated under the Finidemepriver.com sub-brand, plus a financial news and advisory content platform at CréditNews (creditnews.fr). Revenue is generated transactionally through broker commissions and fees on arranged consolidated loan facilities; pricing is quote-based and depends on individual customer creditworthiness and profile. The company is led by Fabien Monvoisin as CEO, Chairman and Founder, and benefits from the corporate resources and branding of parent Groupe Win'Up. A Trustpilot rating of 4.8/5 across 2,130+ customer reviews functions as the primary public reputation signal.

Technology, proprietary platform architecture, integrations, and AI capabilities are not publicly disclosed. There is no evidence of disclosed APIs, SDKs, MCP servers, or third-party system integrations; the technology field is explicitly marked "Not publicly disclosed." Accordingly, the company's competitive positioning rests on physical-and-digital distribution density, an established consumer brand in the consolidation category, and the inherent switching costs of multi-year restructured loan relationships rather than on differentiated technology.

Name

Money'Up

Legal name

Crédit Conseil de France

Website

https://moneyup.fr

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

Money'Up, via its subsidiary Crédit Conseil de France, is a French credit brokerage founded in 2017 that arranges credit consolidation loans for individual borrowers across France. It serves consumers seeking to centralize multiple loans into one payment via 20+ physical agencies and a digital sub-brand.

Ownership category

akta.pro rank

Product category

Credit Brokerage & Debt Consolidation

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

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

akta.pro secondary industry

Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)

Keywords

• Credit consolidation
• Credit brokerage
• Debt restructuring
• Consumer lending
• Financial advisory

Headquarters

HQ city

Rennes

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Consolidation/Refinancing Services: The company earns revenue through credit consolidation loans, where they centralize multiple credit lines into a single loan with one monthly payment. Revenue is generated from the interest rate spread and fees associated with the consolidated loan products.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Money'Up, operating through its brand Crédit Conseil de France, is a French credit brokerage network that consolidates borrowers' multiple existing loans (auto, mortgage, personal, revolving, etc.) into a single credit with one interest rate and one monthly payment. The service is delivered through more than 20 physical agencies across France complemented by online simulation tools and a digital brand (Finidemepriver.com). The company does not lend its own funds but acts as an intermediary between borrowers and partner lenders, earning revenue from the spread and fees on the consolidated loan.

Product overview

Crédit Conseil de France is a network of agencies providing credit consolidation services as part of Groupe Win'Up. The core offering is the Rachat de crédits (credit consolidation) service, which combines multiple loans into a single credit with one unified interest rate, allowing clients to reduce monthly payments by up to 60%. The product portfolio includes specialized sub-products for automobile financing, retirement situations, home renovations, and property buyouts (rachat de soulte). Additional offerings include online simulation tools/calculators and the Finidemepriver.com digital brand for online-only services. The company operates over 20 agencies across France with personalized advisory services.

Differentiator

Problem solved

Functional benefit

Brands

• 2CF: Logo and brand name variation used on the website (logo-2CF.svg, 2cf-Logo-blanc.svg)
• Finidemepriver.com

Products and services

• Rachat de crédits (Credit Consolidation) Combines all outstanding loan lines (auto, mortgage, personal, revolving) into a single credit with a unique interest rate, extending the repayment period to reduce monthly payments by up to 60% and lower the borrower's debt-to-income ratio. For French individuals with multiple credit lines.
• Rachat de crédits Automobile Specialized credit consolidation for automotive financing, allowing clients to restructure auto loans together with their other credit lines under a single monthly payment. For individuals seeking to manage or refinance auto loan obligations.
• Rachat de crédits Retraite Credit consolidation service tailored for retirees experiencing reduced income, restructuring their credits to maintain balanced remaining disposable income (reste à vivre). For retired individuals with outstanding loan repayments.
• Rachat de crédits Travaux Credit consolidation solution focused on home renovation projects, restructuring renovation-related loans alongside other credit lines. For individuals financing home improvement works.
• Rachat de soulte Credit consolidation for the buyout of co-ownership shares (soulte), typically used in divorce situations or property divisions, allowing clients to finance the buyout while consolidating other loans.
• Finidemepriver.com Digital branch of Crédit Conseil de France offering online-only credit consolidation services, targeting digital-native customers who prefer a fully remote experience.

Quantifiable outcome

• Monthly payments can be reduced by up to 60% through credit consolidation

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Groupe Win'UpcoreOthersGroupe Win'Up is the parent company of Crédit Conseil de France. Crédit Conseil de France operates as a brand under the Groupe Win'Up umbrella, which also includes other financial services brands such as FiniDeMePriver.com.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Market position

Strengths5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Money'Up