ARKÉA CRÉDIT BAIL
Arkéa Crédit Bail is a French specialist in business lease financing (crédit-bail), offering equipment leasing and commercial real estate leasing as a wholly-owned subsidiary of Crédit Mutuel Arkéa. Founded in 1992, it manages €2.2 billion in outstanding credits for 7,050 clients across France via direct B2B field sales.
- Company typePrivate
- Founded1992
- HeadquartersSaint-grégoire, France
- Headcount11–50
- GTM typeB2B
- OfferingServices
What ARKÉA CRÉDIT BAIL does
Arkéa Crédit Bail is a French specialist in business lease financing (crédit-bail), founded in 1992 and operating as a wholly-owned subsidiary of the mutualist banking group Crédit Mutuel Arkéa. The company provides two core product categories: Crédit-Bail Mobilier for financing professional equipment (both new acquisitions and renewals), and Crédit-Bail Immobilier for financing commercial real estate including offices, hotels, retail premises, and warehouses. As of 2024, it manages €2.2 billion in outstanding credits and serves 7,050 active clients across France, with a reported 98% client satisfaction rate based on its 2024 satisfaction survey.
The portfolio has been extended through three supplementary modules: Initiative Performance (launched 2024, rewarding real estate projects with demanding environmental certifications), Initiative Renov (launched 2024, financing energy renovation work on existing buildings), and Fiducie-Sûreté (launched 2023, a security trust offering for professional clients). These sustainable-finance extensions sit within Crédit Mutuel Arkéa's broader group-level strategy focused on transitions. No proprietary technology platform or AI/ML capability is disclosed; the service is delivered through human-mediated, relationship-based channels.
The business model operates as a B2B relationship sales motion, with field teams present throughout France serving professionals, enterprises, and institutional clients. Revenue is generated through interest and fees on outstanding lease portfolios (both equipment and real estate), with pricing tailored to individual business requirements rather than published as fixed tiers. The company serves exclusively the French market, distributes via Crédit Mutuel Arkéa's group network (which includes Arkéa Banque Privée, Arkéa Banque Entreprises & Institutionnels, and Arkéa Capital), and maintains a LinkedIn presence as its only disclosed marketing channel.
ARKÉA CRÉDIT BAIL firmographics
Firmographics- Name
- ARKÉA CRÉDIT BAIL
- Legal name
- Arkéa Crédit Bail
- Website
- https://arkea-credit-bail.com
- Company type
- Private
- Founded year
- 1992
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Arkéa Crédit Bail is a French specialist in business lease financing (crédit-bail), offering equipment leasing and commercial real estate leasing as a wholly-owned subsidiary of Crédit Mutuel Arkéa. Founded in 1992, it manages €2.2 billion in outstanding credits for 7,050 clients across France via direct B2B field sales.
- Ownership category
- akta.pro rank
ARKÉA CRÉDIT BAIL industry classification
Industry- Product category
- Commercial Lease Financing
- NAICS
- Sales Financing (52222), Sales Financing (522220), Credit Intermediation and Related Activities (522)
- SIC
- Miscellaneous Business Credit Institution (6159), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Balance-Sheet / Portfolio CRE Lending (FSALADAG)
- akta.pro secondary industry
- Direct Lending — Asset-Based Lending (ABL) (FSAHAJAE)
Keywords
Where ARKÉA CRÉDIT BAIL is headquartered
LocationHeadquarters
- HQ city
- Saint-grégoire
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
ARKÉA CRÉDIT BAIL business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Lease Financing (Crédit-bail): Specialist in lease financing (crédit-bail) services for businesses. Revenue generated through interest and fees on outstanding credit portfolios for both equipment (mobilier) and real estate (immobilier) financing.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels1 record
ARKÉA CRÉDIT BAIL product offering
Product offeringCore offering
Arkéa Crédit Bail is a French specialist in lease financing (crédit-bail) for businesses, offering equipment leasing (crédit-bail mobilier) and real estate leasing (crédit-bail immobilier) for professional assets including offices, hotels, shops, and warehouses. The company also provides complementary offerings in sustainable building financing (Initiative Performance), energy renovation (Initiative Renov), and security trust services (Fiducie-Sûreté), operating as a subsidiary of the Crédit Mutuel Arkéa mutualist banking group.
Product overview
Arkéa Crédit Bail offers a unified portfolio of lease financing solutions for businesses, consisting of two core products: Crédit-Bail Mobilier for equipment financing and Crédit-Bail Immobilier for real estate financing. The company has expanded its offering with three supplementary modules—Initiative Performance (sustainable building certification rewards), Initiative Renov (energy renovation financing), and Fiducie-Sûreté (security trust)—all targeting professionals, enterprises, and institutional clients seeking lease-based financing for their investment needs.
Differentiator
Problem solved
Functional benefit
Products and services
- Crédit-Bail Mobilier Equipment leasing solution for businesses, financing the acquisition of professional movable assets such as industrial equipment, vehicles, machinery, and office equipment. Targeted at professionals, SMEs, mid-market companies, and enterprises across France.
Quantifiable outcome
- 98% client satisfaction rate based on 2024 survey
- +2 more outcomes
Companies that use ARKÉA CRÉDIT BAIL
Customer profileSegments3 records
Ideal customer profiles2 records
ARKÉA CRÉDIT BAIL technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
ARKÉA CRÉDIT BAIL partnerships and signals
Strategic signalScale indicators4 records
Recent moves4 records
Expansion highlights4 records
ARKÉA CRÉDIT BAIL competitors and assessment
Company assessmentDirect peers
- CIC Leasing:
- BNP Paribas Leasing Solutions: BNP Paribas subsidiary providing equipment and real estate leasing solutions across France and Europe. Direct competitor with comparable crédit-bail mobilier and immobilier offerings, but with much larger scale and broader international reach.
- Société Générale Equipment Finance: Société Générale subsidiary providing equipment finance and leasing solutions to businesses across France and Europe. Direct competitor in the French lease financing market with broader product range and larger international footprint.
- Crédit Agricole Leasing & Factoring: Crédit Agricole group subsidiary offering equipment leasing, real estate leasing, and factoring to French enterprises. Closest direct peer with mutualist-style regional bank backing and similar dual equipment/real estate product set.
- Natixis Lease: Natixis (Groupe BPCE) subsidiary providing equipment and real estate lease financing to French corporates and professionals. Direct competitor in the same French crédit-bail market with comparable target segments.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
ARKÉA CRÉDIT BAIL social profiles
Digital presenceARKÉA CRÉDIT BAIL financial estimates
Financial estimateRevenue estimate
Valuation estimate
ARKÉA CRÉDIT BAIL leadership team
Management profileNumber of profiles
ARKÉA CRÉDIT BAIL funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ARKÉA CRÉDIT BAIL 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 ARKÉA CRÉDIT BAIL
What does ARKÉA CRÉDIT BAIL do?
Arkéa Crédit Bail is a French specialist in lease financing (crédit-bail) for businesses, offering equipment leasing (crédit-bail mobilier) and real estate leasing (crédit-bail immobilier) for professional assets including offices, hotels, shops, and warehouses. The company also provides complementary offerings in sustainable building financing (Initiative Performance), energy renovation (Initiative Renov), and security trust services (Fiducie-Sûreté), operating as a subsidiary of the Crédit Mutuel Arkéa mutualist banking group.
Is ARKÉA CRÉDIT BAIL a public or private company?
ARKÉA CRÉDIT BAIL is a private company. It is classified as corporate owned and is currently operating.
When was ARKÉA CRÉDIT BAIL founded?
ARKÉA CRÉDIT BAIL was founded in 1992. It employs 11 to 50 people.
Where is ARKÉA CRÉDIT BAIL based?
ARKÉA CRÉDIT BAIL is headquartered in Saint-grégoire, France, in the Europe region.
How does ARKÉA CRÉDIT BAIL make money?
One revenue line is on record: lease Financing (Crédit-bail).
Who are ARKÉA CRÉDIT BAIL's main competitors?
Direct peers on record are CIC Leasing, BNP Paribas Leasing Solutions, Société Générale Equipment Finance, Crédit Agricole Leasing & Factoring and Natixis Lease.
Does ARKÉA CRÉDIT BAIL have an API?
No public API is recorded for ARKÉA CRÉDIT BAIL.
What industry is ARKÉA CRÉDIT BAIL in?
ARKÉA CRÉDIT BAIL's product category is Commercial Lease Financing. Its primary akta.pro industry code is FSALADAG, Balance-Sheet / Portfolio CRE Lending, with a secondary code of FSAHAJAE, Direct Lending — Asset-Based Lending (ABL). Its NAICS code is 52222 and its SIC code is 6159.