Merci Prosper

What Merci Prosper does

Mercí Prosper is a French fintech founded in 2023 (SAS, RCS Paris 899 841 290, headquartered at 19 rue des Trois Bornes, 75011 Paris) that addresses the asset-rich-but-cash-poor paradox of senior homeowners in France. Its core product, the Contrat Prosper, is a notarial partial property sale enabling homeowners aged 60+ to monetize 10–50% of their property's value in exchange for immediate capital, while retaining full occupancy, incurring no debt, and preserving inheritance rights. The transaction is funded through the affiliated La Foncière Prosper – Générations Solidaires SCA, which acquired ESUS (Entreprise Solidaire d'Utilité Sociale) accreditation from the Préfecture d'Île-de-France on 19 June 2024 and offers individual investors a target yield of 7.09%/year inclusive of the 25% ESUS tax reduction.

The underlying technology stack is a hybrid of a proprietary process layer and a thin digital surface: a codified partial-sale contract structure built on the French Civil Code (1804) indivision framework, an independent 20-page property valuation methodology, and a web-based simulation tool (app.merciprosper.com) that models liquidity outcomes from property value and capital inputs. Mercí Prosper operates as the commandité (general partner) and mandate-holder of the SCA, with operational, regulatory, and sales functions orchestrated through its Paris headquarters and a secondary client-facing address at 58 rue de la Victoire, 75009.

The business model is two-sided and indirect on revenue. Seniors pay no upfront fees — only ~€150 of property diagnostics — with all transaction costs (notary, indivision agreement, Mercí Prosper's remuneration) bundled into the Foncière's acquisition price; the economic mechanism is that to receive X% of property value in cash, the senior cedes ~1.8–1.9x that share, with the delta reflecting the Foncière's occupation indemnity and required return. Mercí Prosper earns mandate fees from the Foncière for sourcing and managing investments, plus its share as commandité. Distribution blends inbound inside sales (advisors Vincent Berthaud, François Delobelle, Thibaud Fournier managing the lead-to-notary-signing cycle), a VDI ambassador network recruiting locally in Île-de-France, and a 150+ CGP distribution channel (Linxea, Haussmann Patrimoine, HUIT) plus self-serve subscription via fonciere-prosper.vasco.fund for investors. Go-to-market support includes content marketing, Trustpilot social proof, webinars, podcast appearances, and earned media across Le Monde, Europe1, BFM TV, Le Point, and La Provence. The company has 1–10 employees (approximately ten named team members plus co-founders).

Name

Merci Prosper

Legal name

Merci Prosper SAS

Website

https://merciprosper.com

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

1–10 employees

Short description

Mercí Prosper is a French fintech that helps homeowners aged 60+ convert 10–50% of their property's value into immediate cash via a notarial partial sale (Contrat Prosper), while remaining in their homes and preserving inheritance rights. Capital is sourced through its ESUS-accredited La Foncière Prosper SCA.

Ownership category

akta.pro rank

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Foncière Prosper Co-investment Fees: The primary revenue mechanism is indirect: the Foncière Prosper acquires an indivisory share of a senior's property (e.g., buying 10% value but receiving ~18% ownership via an occupation indemnity), and Merci Prosper earns a mandate fee from the Foncière for sourcing and managing these investments. Senior clients pay no upfront fees; all transaction costs (notary, indivision agreement, Merci Prosper's remuneration) are bundled into the Foncière's acquisition price. Merci Prosper also earns as the associated commandité (general partner) of the SCA.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels8 records

Core offering

Merci Prosper enables homeowners aged 60+ in France to monetize 10–50% of their property's value through a notarized partial sale (Contrat Prosper), receiving immediate capital or a monthly income while continuing to live in the home rent-free, without taking on debt or facing longevity risk. The affiliated Foncière Prosper – Générations Solidaires, an ESUS-accredited SCA, acquires these indivisible property shares and distributes them to retail and institutional investors seeking a target 7.09%/year yield with a 25% ESUS tax reduction. Merci Prosper earns a mandate fee from the Foncière for sourcing and managing eligible properties.

Product overview

Merci Prosper operates as a mission-driven company (Societe a Mission) offering a partial property sale solution through two interconnected products: (1) the Contrat Prosper, the core offering enabling seniors aged 60+ to sell 10-50% of their residential property while continuing to live there, and (2) the Fonciere Prosper - Generations Solidaires, a solidarity-approved (ESUS) real estate investment vehicle that acquires these property shares and offers investors target returns of 7.09% per year with 25% tax reduction benefits. The company also provides a free online simulator for potential clients to calculate their expected capital.

Differentiator

Problem solved

Functional benefit

Brands

• Foncière Prosper – Générations Solidaires: The investment arm of Merci Prosper — an ESUS-accredited SCA (Société en Commandite par Actions) that acquires indivisible shares of residential real estate from seniors (60+) via the Contrat Prosper, enabling investors to co-invest in senior property ownership with a target return of 7.09%/year.

Products and services

• Contrat Prosper A notarized partial property sale instrument enabling homeowners aged 60+ to sell 10–50% of their property to the Foncière Prosper in exchange for immediate capital, while remaining in the property as full occupant with no mortgage, no loan, and no longevity risk. Structured through a notarial indivision agreement under the French Civil Code.
• Foncière Prosper – Générations Solidaires An ESUS-accredited (Entreprise Solidaire d'Utilité Sociale) solidarity real estate fund (SCA) that acquires indivisible shares of senior homeowners' properties, offering investors a target yield of 7.09%/year over 7 years (including a 25% ESUS tax reduction, capped at €10,000/year investment), with a minimum subscription of 10 shares.

Quantifiable outcome

• Average €80,000 unlocked per senior client per partial sale transaction
• +3 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• Platform58 (La Banque Postale Incubator)coreOthers · 1 January 2023Merci Prosper was incubated at Platform58, the La Banque Postale incubator for innovative fintech and insurtech startups. This partnership provides institutional credibility, access to La Banque Postale's ecosystem, and startup support infrastructure.
• 50 Partners ImpactcoreOthers · 1 January 2023Merci Prosper is accompanied by 50Partners Impact, an accelerator program for startups with environmental and social impact ambitions in France. The program provides mentorship, networking, and visibility within the French impact investing ecosystem.
• Silver ValleycoreOthers · 1 January 2023Silver Valley is an innovation cluster focused on senior services and the silver economy. Merci Prosper participates in the Silver Valley ecosystem to build partnerships within the senior care and services industry, positioning its solution within the broader silver economy market.
• France FinTechminorOthersMerci Prosper is a member of France FinTech, the non-profit association promoting excellence in the French fintech sector and representing member companies before regulators and public authorities.
• Impact FranceminorOthersMerci Prosper is a signatory of the Impact France manifesto, joining entrepreneurs and leaders who embed ecological and social impact at the core of their business operations.
• MouvESSminorOthersMerci Prosper is a member of MouvESS (Mouvement des Entreprises Écologiques, Sociales et Solidaires), which promotes and defends the most demanding ESS structures in France (ESUS, intérêt général, utilité publique).
• OpinionWayminorOthersMerci Prosper partnered with OpinionWay to conduct its 2026 Barometer survey titled 'Seniors, Patrimoine et Transmission' (Seniors, Heritage and Transmission), which found that 47% of senior homeowners face financial pressure — a key data point used across Merci Prosper's marketing materials.
• LinxeacoreChannel Partner/ Reseller/ DistributorLinxea is a digital wealth management platform that distributes the Foncière Prosper investment product to its retail investor clients, providing access to a broad base of individual investors seeking alternative and impact-focused investments.
• Haussmann PatrimoinecoreChannel Partner/ Reseller/ DistributorHaussmann Patrimoine, led by Emmanuel Narrat, distributes the Foncière Prosper to its high-net-worth and mass-affluent client base as a differentiated impact investment product within wealth management portfolios.
• HUIT - Conseil & PatrimoinecoreChannel Partner/ Reseller/ DistributorHUIT - Conseil & Patrimoine, led by Hyacinthe Freulon, distributes the Foncière Prosper to its clients as a socially responsible investment option aligned with the ESS/ESUS investment framework.

Scale indicators10 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• MyMoneyBank: Société Générale subsidiary offering the Prêt Viager Hypothécaire (reverse mortgage product) to French seniors. Targets the identical 'unlock home equity without moving' use case but through a debt instrument — Merci Prosper's positioning specifically contrasts itself with this credit-based model.
• Viagimmo: Online viager specialist focused on matching senior sellers with buyers. Competes in the same 'liquidity without moving' niche as Merci Prosper, though structured around traditional viager rather than notarized partial sale.
• Viager Ador: Specialist viager brokerage operating across France, helping senior homeowners monetize their property in exchange for lifelong occupancy. Competes with Merci Prosper for the same 'asset-rich, cash-poor' senior segment using a different (viager) product structure.
• La Foncière du Viager: French foncière dedicated to acquiring shares of senior-owned properties through viager-like mechanisms. Directly comparable investor-side vehicle to Merci Prosper's Foncière Prosper, competing for the same pool of senior property and impact-oriented retail investors.
• Perlib: French online platform offering real-estate-backed financing solutions to seniors, including partial sale and viager alternatives. Closest digital-native peer to Merci Prosper, sharing the same target demographic and 'no traditional mortgage' value proposition.
• Les Viagers du Siam: Established French viager specialist with a national footprint. Competes for the same senior homeowner base; differentiated mainly by use of traditional viager versus Merci Prosper's partial-sale indivision contract.
• ViaGénérations: France's leading viager (life-annuity real estate) fund, historically directed by Merci Prosper's co-founder Thibault Corvaisier. Targets the same senior homeowners with the same equity-release use case, but uses a traditional viager structure that exposes sellers to longevity risk and full property transfer — the exact trade-off Merci Prosper's partial-sale model is built to avoid.

Emerging players

• Hectarea: French wealth-tech and real-estate advisory platform for property owners. Partially overlaps with Merci Prosper on senior real-estate wealth advisory, but does not currently offer a notarized partial-sale contract of comparable scale.

Others

• WiSEED: French ACPR-licensed investment platform on which the Foncière Prosper is distributed (via Vasco.fund). WiSEED is a platform/infrastructure peer for Merci Prosper's investor-side distribution, not a product competitor.

Broad incumbents

• Crédit Agricole: One of France's largest retail banks, offering mortgage and senior real-estate credit products. Represents the broad incumbent competition: massive distribution and balance sheet against which Merci Prosper's differentiated, non-credit partial-sale product must continue to win.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/merci-prosper

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

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 Merci Prosper