Solution Crédit
Solution Crédit, a brand of FINVENS, is a French Courtier-IOBSP credit consolidation broker that has operated since 2003, intermediating between individual borrowers and a panel of ten-plus French banking partners to consolidate multiple loans into a single facility with reduced monthly payments.
- Company typePrivate
- Founded2003
- HeadquartersToulouse, France
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Solution Crédit does
Solution Crédit is a French retail credit consolidation broker (IOBSP) operating since 2003 as a registered brand of FINVENS (formerly ROUAIX GROUPE SAS), a privately held SASU headquartered in Toulouse with 351,184 euros of share capital and led by President-Directeur Général Frédéric Granel. The firm functions as a non-exclusive mandated intermediary between individual borrowers who hold multiple outstanding loans (personal loans, mortgages, revolving credits) and a panel of more than ten French banking partners including CFCAL, CGI, Créatis, CréditLift, Sygma By BNPPF, Younited Credit, My Money Bank, La Banque Postale Consumer Finance, Crédit Municipal de Toulon, and Crédit Municipal de Lyon. Its single core product is rachat de crédits, combining multiple existing loans into a single facility with one monthly payment, and the marketing claim is up to 60% reduction in monthly payments.
The business model is commission-based: Solution Crédit earns fees from partner banks that grant the consolidated credit, with broker commissions capped at 1% of the credit amount under Article R. 519-30 of the French Monetary and Financial Code, while published service pricing ranges between 5 and 10% of the financed amount. There is no proprietary technology platform, no AI or ML capabilities, and no app product; the digital surface consists of a 2-minute online request form, an editorial content hub (guides, lexique, FAQ, actualités), and the 'Mon espace personnel' client portal for document management. Distribution is conducted exclusively through France, with a small commercial team of approximately eight named members and acquisition driven primarily by organic search and content marketing, supplemented by Trustpilot social proof. The firm is ORIAS-registered under number 07 004 179, supervised by the ACPR for banking and insurance intermediation, and overseen by the CNIL for data protection.
Customer segments are horizontal across French retail borrowers, with salaried employees on permanent contracts and retirees described as having the strongest approval profiles. Solution Crédit is part of a broader FINVENS multi-brand portfolio that includes ROUAI X GROUPE, NEED FOR LEADS, and EDDY.FR, indicating a group-level approach to lead generation and intermediation. Strategic posture is defensive and steady-state: no disclosed funding rounds, M&A activity, or material product line extensions appear in the data, and the firm has retained a single vertical and single geography for over two decades.
Solution Crédit firmographics
Firmographics- Name
- Solution Crédit
- Legal name
- FINVENS
- Website
- https://solutioncredit.com
- Company type
- Private
- Founded year
- 2003
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Solution Crédit, a brand of FINVENS, is a French Courtier-IOBSP credit consolidation broker that has operated since 2003, intermediating between individual borrowers and a panel of ten-plus French banking partners to consolidate multiple loans into a single facility with reduced monthly payments.
- Ownership category
- akta.pro rank
Solution Crédit industry classification
Industry- Product category
- Credit Consolidation Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Debt Consolidation & Credit Card Balance Transfer Intermediation (FSAEAEAN)
- akta.pro secondary industries
- Balance Transfer & Credit Card Refinance Loans (FSAKAIAA), Multi-Loan / Multi-Creditor Consolidation Loans (FSAKAIAD)
Keywords
Where Solution Crédit is headquartered
LocationHeadquarters
- HQ city
- Toulouse
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Solution Crédit business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D
Revenue model
- Commission from partner banks: Solution Crédit (through FINVENS) earns commissions from partner banks that grant credit. The remuneration comes from the establishment granting the credit and covers distribution and commercialization costs. The maximum commission is capped at 1% of the credit amount. They do not charge clients upfront fees - no payment can be demanded before obtaining a loan.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Regroupement de crédits (Credit Consolidation) |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
Solution Crédit product offering
Product offeringCore offering
Solution Crédit acts as an independent credit broker (courtier) and non-exclusive mandated agent (Mandataire Non Exclusif-IOBSP) operating in France, intermediating between individual borrowers and a network of partner banking institutions. The company's core service is credit consolidation (rachat de crédits), combining multiple existing loans (consumer loans, mortgages, revolving credits) into a single loan with one monthly payment, one interest rate, and reduced monthly charges of up to 60%.
Product overview
Solution Crédit operates as a credit consolidation broker, offering a single unified service centered on rachats de crédits (credit consolidation/debt refinancing). The core offering combines multiple existing loans into one single loan with reduced monthly payments. As an intermediary between customers and partner banks, Solution Crédit does not offer a platform with multiple modules, but provides a complementary personal space for document management. The company has been mandated by banking institutions since 2003 to negotiate credit consolidation terms on behalf of borrowers.
Differentiator
Problem solved
Functional benefit
Products and services
- Rachat de crédits (Credit Consolidation) Core credit consolidation service that combines multiple existing loans (consumer loans, mortgage loans, revolving credits) into a single loan with one monthly payment and one interest rate. Targets French individuals with multiple outstanding loans seeking to reduce monthly payments by up to 60%, rebalance their budget, or finance new projects.
Quantifiable outcome
- Up to 60% reduction in monthly payments through credit consolidation
- +1 more outcomes
Companies that use Solution Crédit
Customer profileSegments3 records
Ideal customer profiles1 record
Solution Crédit technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Solution Crédit partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- CFCAL (Crédit Foncier Communal d'Alsace et de Lorraine)coreCFCAL exists since 1872 and is a historic bank in the credit consolidation market. They offer various solutions with or without mortgage guarantees, providing a wide range of products.
- CGI (CGI finance)coreCreated in 1951, CGI finance is among the leaders in the credit consolidation market. They offer innovative solutions in analyzing financing requests and can support atypical projects such as boats and high-end vehicles.
- CréatiscoreFounded in 1988, Créatis allows offering solutions without guarantee or with mortgage. As a major player in credit consolidation, they stand out for their file analysis and various financing possibilities.
- CréditLift CourtageminorCréditLift Court's mission is to design, produce, and distribute innovative, attractive, and responsible financing solutions in the intermediation market.
- Sygma By BNP Paribas Personal FinancecoreFounded in 1990, Sygma By BNPPF distributes its own financial products through a network of specialized intermediaries. The bank offers credits with or without guarantees for both owners and tenants.
- Younited CreditcoreYounited Credit is a European bank with innovative technologies redefining credit practices. They offer a credit consolidation solution for people with ongoing loans, allowing them to combine all loans into one with reduced monthly payments and additional cash if desired.
- My Money BankcoreFounded in 1919 (formerly Ge Money Bank), My Money Bank is a major player in credit consolidation, recognized for service quality, offer clarity, and transparency. Through the partnership, clients have access to all financial arrangements including those without guarantee or with mortgage.
- La Banque Postale Consumer FinancecoreSince 2009, La Banque Postale is distinguished by its energy, missions, values, and citizen ambition. La Banque Postale Financement specializes in credit consolidation and offers solutions without guarantee.
- Crédit Municipal de ToulonminorSince 1821, Crédit Municipal de Toulon is a public communal establishment practicing various banking activities including credit consolidation. It is one of the financing partners of Solution Crédit.
- Crédit Municipal de LyonminorSince 1851, Crédit Municipal de Lyon intervenes on loan consolidation projects to lighten budgets by combining several loans into a single monthly payment. Through the partnership, they can operate throughout France.
Scale indicators3 records
Recent moves4 records
Expansion highlights3 records
Solution Crédit competitors and assessment
Company assessmentDirect peers
- Crédit Lift Courtage: French credit brokerage designing and distributing financing solutions in the intermediation market. Comparable as a competing credit broker with a similar value proposition of distributing innovative consolidation solutions.
- Meilleurtaux: Major French credit and insurance brokerage platform serving consumers with loan, mortgage, and consolidation comparison services. Comparable as a French credit broker with a multi-lender intermediation model targeting the same borrower segments.
- Empruntis: French credit and mortgage broker comparing offers across multiple lender partners. Comparable as a multi-lender consumer credit intermediary operating in the same French market with online and advisor-led channels.
- CGI Finance: French credit consolidation specialist (founded 1951) and one of Solution Crédit's core partner banks. Comparable as both a partner and a competitor in the consolidation market, offering direct and intermediated consolidation products.
- Younited Credit: European consumer credit platform that also acts as a Solution Crédit partner bank offering credit consolidation. Comparable because it combines a direct-to-consumer credit offering with broker-style intermediation in the same French consolidation market.
- Créatis: French specialized credit institution (founded 1988) active in consolidation lending with and without mortgage guarantees. Comparable as both a partner bank for Solution Crédit and a direct originator operating in the same French consolidation niche.
- My Money Bank: French specialist bank (founded 1919) active in credit consolidation with and without mortgage guarantees. Comparable as a partner bank that also serves end-clients directly through its own channels.
Broad incumbents
- Cetelem (BNP Paribas Personal Finance): French consumer credit arm of BNP Paribas, offering credit consolidation alongside personal loans and credit cards. Comparable as a leading incumbent lender that Solution Crédit's partner Sygma By BNPPF feeds.
- Cofidis: Major French consumer credit specialist owned by Crédit Mutuel, active in credit consolidation, personal loans, and revolving credit. Comparable as a large incumbent provider of the same consolidation products that Solution Crédit brokers.
- La Banque Postale Consumer Finance: Consumer finance arm of La Banque Postale specializing in credit consolidation. Comparable as a partner of Solution Crédit while also originating consolidation loans through its own retail banking distribution.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Solution Crédit social profiles
Digital presenceSolution Crédit financial estimates
Financial estimateRevenue estimate
Valuation estimate
Solution Crédit leadership team
Management profileNumber of profiles
Profiles2 records
Solution Crédit funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Solution Crédit M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Solution Crédit
What does Solution Crédit do?
Solution Crédit acts as an independent credit broker (courtier) and non-exclusive mandated agent (Mandataire Non Exclusif-IOBSP) operating in France, intermediating between individual borrowers and a network of partner banking institutions. The company's core service is credit consolidation (rachat de crédits), combining multiple existing loans (consumer loans, mortgages, revolving credits) into a single loan with one monthly payment, one interest rate, and reduced monthly charges of up to 60%.
Is Solution Crédit a public or private company?
Solution Crédit is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Solution Crédit founded?
Solution Crédit was founded in 2003. It employs 1 to 10 people.
Where is Solution Crédit based?
Solution Crédit is headquartered in Toulouse, France, in the Europe region.
How does Solution Crédit make money?
One revenue line is on record: commission from partner banks.
Who are Solution Crédit's main competitors?
Direct peers on record are Crédit Lift Courtage, Meilleurtaux, Empruntis, CGI Finance, Younited Credit, Créatis and My Money Bank. Broad incumbents are Cetelem (BNP Paribas Personal Finance), Cofidis and La Banque Postale Consumer Finance.
Does Solution Crédit have an API?
No public API is recorded for Solution Crédit.
What industry is Solution Crédit in?
Solution Crédit's product category is Credit Consolidation Brokerage. Its primary akta.pro industry code is FSAEAEAN, Debt Consolidation & Credit Card Balance Transfer Intermediation, with a secondary code of FSAKAIAA, Balance Transfer & Credit Card Refinance Loans. Its NAICS code is 52231 and its SIC code is 6163.