MG Finance

What MG Finance does

MG-Finance SARL is a privately held French financial and insurance brokerage (IOBSP/ORIAS registered) headquartered in Dardilly, near Lyon, serving SMEs through to multinationals with a stated focus on the industrial sector. The firm operates as an intermediary between businesses seeking financing and a network of financial partners — banks, lessors, factors, and funds — plus insurance carriers, earning transaction commissions on placed business. It was founded in 2006 by Emeric de Gatellier, a crédit-bail sales veteran of UFB Locabail and GE Capital, and today runs with a small core team of three (the founder, Marie-Laure de Gatellier on sales support and insurance back-office, and Céline Sola, added in 2023 with two decades of B2B leasing experience).

The service platform spans three pillars: (i) equipment financing brokerage covering crédit-bail, location financière, location longue durée (Tool Lease), location opérationnelle (off-balance-sheet treatment for IFRS/US GAAP reporters), and traditional credit; (ii) corporate finance advisory covering haut de bilan transactions, factoring (including export and undisclosed variants), and working capital/treasury optimization; and (iii) insurance brokerage covering borrower life/disability insurance, prévoyance, and machinery breakdown coverage. Sectors served include metallurgy, transport, plasturgy, green spaces, BTP, wood industry, and materials handling. The firm differentiates itself by evaluating human capital and business positioning alongside balance sheet strength, positioning as an alternative for companies that have been declined by traditional banks under Basel II/III.

MG Finance runs a pure relationship-driven field-sales GTM: the team travels nationally to meet clients on-site for analysis and tailored structuring, supported by a referral network of equipment distributors and manufacturers and a quote-based pricing model with multi-year contracts. No public revenue, no funding history, no AI/technology stack, and no international operations are disclosed. The model is inherently a high-touch boutique, scaling through the senior practitioners' partner relationships rather than through headcount or capital.

Name

MG Finance

Legal name

MG-Finance SARL

Website

https://mg-finance.fr

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

1–10 employees

Short description

MG-Finance is a France-based IOBSP/ORIAS-registered financial and insurance brokerage, founded in 2006 in Dardilly, that intermediates equipment financing, corporate finance advisory, and insurance solutions for SMEs and mid-market industrial companies across France.

Ownership category

akta.pro rank

Product category

Commercial Financing & Insurance Brokerage

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Loan Brokers (6163)

akta.pro primary industry

Debt Capital Raising Intermediation (Private Debt/Mezzanine/Bonds) (FSAEALAM)

akta.pro secondary industries

Insurance Program Administration & MGA/MGU Services (FSAEADAK), Equipment Financing / Leasing (Venture-backed) (FSANAIAE), Microloans & Working Capital Loans (FSAKAGAA)

Keywords

• Commercial financing brokerage
• Equipment leasing solutions
• Corporate insurance brokerage
• SME credit intermediation
• Working capital advisory

Headquarters

HQ city

Dardilly

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Others

Revenue model

1. Financing brokerage commissions: MG Finance acts as an intermediary (courtier/IOBSP) between businesses seeking financing and financial institutions. They earn commissions on financing arrangements including credit-bail, financial leasing, long-term leasing, and operational leasing for equipment. The company also earns commissions on insurance brokerage products.
2. Insurance brokerage commissions: The company brokers insurance products including borrower insurance, death/disability insurance, and business insurance. They work with leading insurance companies to offer coverage to business clients, earning commission on policy placements.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

MG Finance is a French financial and insurance brokerage firm (IOBSP) that intermediates between businesses seeking financing and financial partners (banks, lessors, factors, funds). It brokers equipment financing products including crédit-bail, financial leasing, long-term rental (Tool Lease), and operational leasing, alongside corporate finance advisory (equity, factoring, working capital) and insurance brokerage (credit life, provident, machine breakdown) for industrial SMEs and larger companies.

Product overview

MG Finance operates as a unified financial brokerage platform offering three interconnected service pillars: equipment financing brokerage (crédit-bail, location financière, Tool Lease, location opérationnelle), financial consulting (haut de bilan, affacturage, BFR/trésorerie), and insurance brokerage (assurance décès, prévoyance, bris de machine). The company positions itself as an intermediary connecting SMEs with financial partners, leveraging 30 years of industry experience to provide tailored financing and insurance solutions across industrial sectors.

Differentiator

Problem solved

Functional benefit

Products and services

• Crédit-bail Leasing financing solution for equipment over a determined period where the tenant can become owner by exercising the residual value option at contract end. Brokered for industrial SME clients.
• Location financière Financial leasing arrangement for equipment that must be returned at the end of the contract or its extension, allowing addition of new equipment at any time. Brokered for business clients.
• Tool Lease (Location longue durée) Long-term rental solution for SMEs seeking equipment or vehicles for 12 to 60 months, designed outside traditional banking constraints with consideration for business fundamentals beyond just financial statements.
• Location opérationnelle (Operating Lease) Operational leasing for companies reporting under US GAAP or IFRS standards, enabling asset deconsolidation from balance sheets (converting CAPEX to OPEX) while preserving shareholder ratios.
• Crédit classique Traditional credit financing option for equipment and business investments, complementing the leasing and rental solutions.
• Haut de bilan (Equity financing advisory) Advisory services for company sale, transmission, growth financing (internal/external/international), and capital restructuring including fundraising and financial balance optimization.
• Affacturage (Factoring) Invoice financing solutions including classic full-service factoring (with credit insurance), specialized factoring (with in-house collection), undisclosed factoring for large accounts, TPE/artisan solutions, and export factoring.
• BFR & Trésorerie (Working Capital & Treasury) Working capital optimization and treasury management services including stock management and financial equilibrium analysis.
• Assurance décès sur emprunt (Credit Life Insurance) Loan insurance covering death, total permanent disability, temporary total incapacity, permanent total disability, and partial permanent disability, enabling families and businesses to protect against financial impact of illness or death.
• Prévoyance (Provident Insurance) Employee and business owner provident insurance covering illness, disability, and death scenarios to ensure business continuity.
• Bris de machine (Machine Breakdown Insurance) Equipment insurance protecting production machinery against mechanical breakdown, covering repair costs and business interruption.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• Equipment distributors and manufacturerscoreChannel Partner/ Reseller/ DistributorPartnerships with equipment distributors and manufacturers allow MG Finance to participate in financing programs and provide bundled solutions to end customers. Many programs developed with constructors and distributors of industrial equipment.
• Leading insurance companies (sociétés leader du secteur)coreChannel Partner/ Reseller/ DistributorMG Finance works with leading insurance sector companies to offer comprehensive insurance coverage to business clients. They compare offerings from multiple insurers to provide optimal coverage at competitive rates.

Scale indicators3 records

Recent moves4 records

Expansion highlights5 records

Direct peers

• Verspieren: Independent French insurance brokerage and risk advisory firm serving mid-market and SME clients across corporate, provident, and credit life insurance. Direct peer in MG Finance's insurance brokerage line (death/disability, machine breakdown, provident coverage).
• KBC Lease France: French subsidiary of Belgian KBC Group providing equipment leasing and financing solutions to SMEs and corporates. Direct peer in B2B equipment financing — Céline Sola previously spent 20 years there before joining MG Finance.
• Olinn: French independent equipment financing and leasing specialist (formerly Natixis Lease), serving SMEs and mid-market with crédit-bail, location financière, and operating lease products. Direct peer offering the same core equipment leasing products as MG Finance, but at significantly greater scale.
• Capitole Finance: French independent equipment leasing and financing brokerage founded in 2006 in Toulouse, serving SMEs across southwest France. Direct peer — Céline Sola joined MG Finance in 2023 from Capitole Finance after developing the Auvergne-Rhône-Alpes region there.
• FINAREA (Groupe FINAÉO): Independent French financing and insurance brokerage serving SMEs and mid-market with credit brokerage, equipment leasing intermediation, factoring, and corporate insurance products. Direct peer offering an essentially identical multi-line platform to MG Finance at slightly larger scale.

Broad incumbents

• BNP Paribas Leasing Solutions: Captive equipment financing arm of BNP Paribas serving SMEs, corporates, and equipment vendors across Europe. Broad incumbent offering the same crédit-bail and leasing products MG Finance brokers, plus direct lending capacity MG Finance cannot access.
• Siaci Saint Honoré: Large French insurance brokerage and risk advisory group offering corporate insurance, provident, and equipment coverage to mid-market and large enterprise clients. Broad incumbent overlapping with MG Finance's insurance brokerage line at greater scale.
• Arkéa Credit Bail: Captive leasing subsidiary of Crédit Mutuel Arkéa providing equipment leasing and financing solutions to SMEs across France. Broad incumbent and potential partner/competitor — one of the lessor relationships in MG Finance's intermediary network.
• Société Générale Equipment Finance: Captive leasing and equipment finance subsidiary of Société Générale offering financing solutions for professional equipment, vendor finance programs, and operational leasing. Broad incumbent and one of the larger lessors in MG Finance's partner network.

Emerging players

• Crédit-bail & Location Financière Brokers (consolidator platforms): French financial brokerage groups aggregating regional equipment financing intermediaries (e.g., Affinia, Créditlift, multi-family brokerage offices). Emerging roll-up players that could acquire or compete with MG Finance as the fragmented French brokerage market consolidates.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/MG-Finance-100067668611996
• LinkedInlinkedin.com/company/mg-finance

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 MG Finance