What AFR Financement does

AFR Financement is a French credit and insurance brokerage firm operating under the legal entity GAÏA CONSULTING SAS (a Société par Actions Simplifiée registered in Paris, RCS 831 111 430). Founded in 2014 in Soissons, the company has built a franchise network of more than 40 physical brokerage agencies across metropolitan France and the French overseas departments and regions (DROM), with approximately 50 centers open or in the opening phase. It operates as an ORIAS-registered Courtier-IOBSP, Mandataire d'IOBSP, and Courtier d'Assurance, is a member of CNCEF Crédit, is supervised by the ACPR, and carries professional liability insurance underwritten by LLOYD'S. The company is led by CEO Nicolas Récamier, with Bruno Rouleau serving as Porte-parole and Directeur de la stratégie et de l'Innovation (and DPO).

The company distributes six complementary product lines through its franchise network: real estate mortgages (Prêt immobilier), consumer loans (Prêt conso, €200-€75,000 over 12-84 months), professional/business loans (Prêt professionnel), credit consolidation (Rachat de crédit for up to 15 existing debts), borrower insurance (Assurances emprunteur), and wealth management advisory (Gestion patrimoniale). It has no proprietary technology platform described; the digital infrastructure consists of web-based online simulators, CRM tools for advisor-customer relationships, and digital document handling. Lead capture runs through website simulators (mortgage, consumer, professional, insurance, consolidation) and a referral program (Parrainage), with cases handed to a dedicated local advisor who manages the full dossier from initial study through notary signing. The 40+ centers enable physical advisory, complemented by phone (0 800 710 760) and video consultation channels.

AFR Financement generates revenue from three streams: commissions paid by partner banks on successfully placed credits (capped at 1% of credit amount, typically 0.5%-0.8%, capped at €1,500-€2,500 per transaction); client-paid brokerage fees for intermediation disclosed in the intermediation contract and due upon delivery of the personalized recommendation; and insurance placement commissions as an IAS-category intermediary. The stated customer base is composed of individual home buyers, individuals seeking consumer credit or debt consolidation, professionals/entrepreneurs with business financing needs, and wealth management clients — a long-tail, non-anchor mix with no disclosed enterprise customers, no single bank contributing more than one-third of revenue (as of 2020), and no external institutional or private equity ownership indicated.

Name

AFR Financement

Legal name

GAÏA CONSULTING SAS

Website

https://afrfinancement.fr

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

101–250 employees

Short description

AFR Financement is a French credit and insurance brokerage franchise network, founded 2014 and operating 40+ agencies across France and DROM. It distributes mortgages, consumer loans, professional financing, debt consolidation, borrower insurance, and wealth management advice to individual and SMB clients via independent IOBSP franchisees.

Ownership category

akta.pro rank

Product category

Credit Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)

akta.pro secondary industries

Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ), Multi-Loan / Multi-Creditor Consolidation Loans (FSAKAIAD), Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)

Keywords

• Credit brokerage services
• Mortgage intermediation
• Consumer loan brokerage
• Insurance intermediation
• Wealth management advisory

Headquarters

HQ city

Les Hauts-saint-jean

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Banking commissions: AFR Financement receives commission from partner banks for each credit successfully presented and finalized. The commission is calculated as a percentage of the credit amount (up to 1% maximum, with typical rates between 0.5% and 0.8% of the financed amount, capped between €1,500 and €2,500). Commission is paid by the bank after fund disbursement at notary signing. The company states it did not exceed one-third of revenue with any single partner bank as of 2020.
2. Client brokerage fees (honoraires): Fees charged directly to clients for intermediation services. These are disclosed in an intermediation contract and are due upon recommendation delivery, not contingent on credit approval. Fees can be included in the loan or paid from own funds. Exact fees vary by project complexity and service scope.
3. Insurance intermediation: The company also earns commissions as an insurance broker (IAS category) for borrower insurance (assurance emprunteur) products, comparing and placing insurance contracts on behalf of clients with partner insurers.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

AFR Financement intermediates credit and insurance products on behalf of individual consumers and professionals by comparing offers from multiple partner banks and insurers. It brokers mortgages, consumer loans, professional loans, debt consolidation, borrower insurance, and wealth management advisory through a network of 40+ local franchise agencies supported by online simulators and a dedicated advisor who guides clients from initial simulation through loan signing.

Product overview

AFR Financement is a network of mortgage and insurance brokerage centers operating across France and French overseas territories (DROM). The company functions as a unified platform offering six complementary product lines: real estate mortgages (Prêt immobilier), consumer loans (Prêt conso), professional/business loans (Prêt professionnel), loan consolidation (Rachat de crédit), borrower insurance (Assurances emprunteur), and wealth management advisory (Gestion patrimoniale). The offering is delivered through a network of over 40 physical branches supplemented by online simulation tools and digital comparison forms. The company positions itself as defending client interests ('defend vos intérêts') against banking partners rather than acting as a simple intermediary, with dedicated advisors accompanying clients from initial simulation through loan signature.

Differentiator

Problem solved

Functional benefit

Products and services

• Prêt immobilier (Prêt immo) Real estate mortgage financing service enabling clients to compare offers from partner banks, negotiate rates, and obtain tailored loan solutions for property purchases, construction, and renovation.
• Assurances emprunteur Borrower insurance product covering death, disability, PTIA, ITT, IPP, IPT, and optional unemployment guarantees for real estate and consumer loans; brokered by comparing and placing insurance contracts on behalf of clients with partner insurers.
• Rachat de crédit Loan consolidation and refinancing service combining multiple existing debts (up to 15) into a single monthly payment, available for both real estate and consumer credit restructuring.
• Prêt conso Consumer credit brokerage service for personal projects including auto financing, home improvements, and general spending needs, with amounts ranging from €200 to €75,000 over 12 to 84 months.
• Prêt professionnel Professional financing brokerage solution for entrepreneurs, business owners, and companies covering business acquisition, working capital, and commercial property purchases.
• Gestion patrimoniale Wealth and asset management advisory service covering real estate investment, tax optimization, retirement planning (PER), and estate planning.
• Parrainage Referral program rewarding existing clients who recommend AFR Financement to friends or family with exclusive benefits and gift vouchers.

Quantifiable outcome

• 4.9 out of 5 customer satisfaction based on verified reviews (Immodvisor/AFNOR certified)
• +2 more outcomes

Segments4 records

Ideal customer profiles4 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.

• CIB FINANCEcoreChannel Partner/ Reseller/ DistributorCIB FINANCE serves as the mandant (principal) for AFR Financement when acting as Mandataire d'IOBSP (non-exclusive IOBSP agent). Under this arrangement, AFR Financement presents credit applications to partner banks on behalf of CIB Finance, which itself acts as a non-exclusive IOBSP agent for credit institutions.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Vousfinancer: French mortgage and consumer credit broker operating a franchise network of local agencies — directly comparable to AFR's franchise model and target customer segments (individual borrowers seeking mortgage, consumer, and consolidation).
• CAFPI: Major French mortgage broker with the largest national franchise network of IOBSP-registered agents, offering mortgage, consumer, and consolidation products. Direct competitor with broader geographic coverage and longer operating history.
• Empruntis: Established French mortgage broker with online comparison and in-person advisory, serving individual borrowers with mortgage and consumer credit — closely overlaps AFR's prêt immobilier and rachat de crédit offerings.
• Meilleurtaux: One of France's largest mortgage and insurance broker networks, with a multi-product offering (mortgage, consumer, consolidation, insurance) and a hybrid digital + advisor model. Direct competitor to AFR Financement in French credit intermediation, with significantly larger scale.
• AB Courtage: French mortgage and credit broker serving individual borrowers with mortgage, consumer, and consolidation products — comparable business model and product mix, operating in the same regulatory IOBSP framework.

Emerging players

• Pretto: Digital-native French mortgage broker offering a fully online comparison and advisory experience with no physical branches. Competes with AFR on the digital lead-capture layer and on simpler mortgage cases.
• Floa: French digital consumer credit and payment solutions provider (BNPL, credit, savings). Competes with AFR in the consumer credit segment through direct-to-consumer digital channels.
• Younited Credit: French consumer credit marketplace/platform connecting borrowers to lenders. Comparable on the consumer credit (prêt conso) segment of AFR's offering, with a more technology-led and less relationship-led model.

Regional players

• Magnolia: French broker specializing in mortgage renegotiation and insurance — closely comparable to AFR's rachat de crédit and assurance emprunteur offerings, particularly the lifecycle-driven re-engagement model.

Broad incumbents

• Cofidis: Major French consumer credit provider (part of Crédit Mutuel group). Overlaps with AFR's prêt conso and rachat de crédit products but from the lender side rather than the broker/intermediary side.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/afrfinancement
• LinkedInlinkedin.com/company/afr-financement
• TikToktiktok.com/@afr_financement
• Xx.com/afr_financement

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 AFR Financement