BoursedesCrédits
BoursedesCrédits is a French independent online broker, founded in 2012 and based in Paris, that connects individual borrowers to a network of over 100 partner banks and insurers for mortgages, consumer credit, debt consolidation, borrower insurance, online banking, and savings products.
- Company typePrivate
- Founded2012
- HeadquartersParis, France
- Headcount1–10
- GTM typeB2C
- OfferingServices
What BoursedesCrédits does
BoursedesCrédits is a French independent online brokerage platform founded in 2012 by Arsalain EL KESSIR and headquartered in Paris, operating as an intermediary between individual borrowers and a network of over 100 partner banks and insurers. The platform offers six core product lines: residential mortgages, consumer credit, debt consolidation, borrower insurance, online banking comparison, and savings/investment products (including life insurance, SCPI, PEA, and PER). Customer-facing features include a multi-bank rate comparison engine, a monthly-updated interest rate barometer segmented by loan duration and borrower profile quality, and an integrated suite of simulation calculators (borrowing capacity, monthly payment, notary fees, PTZ eligibility, debt-to-income), all tied into a lead capture funnel that hands off to human brokers who manage the loan application through to notarial signature. The company is ORIAS-registered (number 12 066 004), operates exclusively in the French domestic market through digital direct-to-consumer channels, and has accumulated 14 years of operating history with a 4.6/5 Trustpilot rating across 3,833 reviews.
The business model is transaction-based across verticals, with fee structure contingent on successful completion. Mortgage brokerage fees are set at 1% of the financed amount with a €1,900 minimum; debt consolidation fees go up to 8% of the financed amount; borrower insurance carries a minimum €250 broker fee per contract; consumer credit, online banking, and savings brokerage are free for end clients and funded by partner commissions. The platform has been bootstrapped since founding with no disclosed external funding rounds and no parent company, with founder-led ownership and a small team of 1–10 employees. Distribution is digital-first — organic SEO, an extensive educational content library, email/newsletter, Trustpilot social proof, and earned media in French financial press — with no physical retail footprint. Technology stack is a web-based brokerage workflow with calculators and centralized partner bank network integration, with no disclosed AI/ML capabilities and no public APIs.
BoursedesCrédits firmographics
Firmographics- Name
- BoursedesCrédits
- Legal name
- BoursedesCrédits
- Website
- https://boursedescredits.com
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- BoursedesCrédits is a French independent online broker, founded in 2012 and based in Paris, that connects individual borrowers to a network of over 100 partner banks and insurers for mortgages, consumer credit, debt consolidation, borrower insurance, online banking, and savings products.
- Ownership category
- akta.pro rank
BoursedesCrédits industry classification
Industry- Product category
- Mortgage and Credit Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Insurance Agencies and Brokerages (52421)
- SIC
- Loan Brokers (6163), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)
- akta.pro secondary industries
- Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA), Commercial & Multifamily Mortgage Brokers (FSALABAB)
Keywords
Where BoursedesCrédits is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Markets served
BoursedesCrédits business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations, Infrastructure, Others
Revenue model
- Mortgage brokerage commissions: For mortgage loans, BoursedesCrédits is compensated through bank commissions and client brokerage fees set at 1% of the financed amount, with a minimum of €1,900. The fee is only due if the project is completed.
- Consumer credit brokerage commissions: For consumer credit, the service is free for the client; BoursedesCrédits earns commissions from partner banks only.
- Debt consolidation brokerage commissions: For loan consolidation (rachat de crédit), BoursedesCrédits charges client brokerage fees up to 8% of the financed amount, in addition to bank commissions.
- Insurance brokerage commissions: For borrower insurance, BoursedesCrédits earns commissions from insurers and a minimum broker fee of €250 per contract from clients.
- Online banking and savings brokerage: Services for online banking and savings products are free for clients; BoursedesCrédits earns commissions from partner financial institutions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Mortgage intermediation: 1% of financed amount, minimum €1,900 |
| Freemium | Pay-as-you-go | Consumer credit: free for clients, commission-funded by banks |
| Transaction based/ take rate | Pay-as-you-go | Debt consolidation: up to 8% of financed amount |
| Transaction based/ take rate | Pay-as-you-go | Borrower insurance: minimum €250 per contract |
| Freemium | Pay-as-you-go | Online banking and savings: free for clients |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels5 records
BoursedesCrédits product offering
Product offeringCore offering
Independent online broker in France that compares and intermediates mortgage loans, consumer credit, debt consolidation, and borrower insurance offers from a network of 100+ partner banks and insurers. The service combines self-service digital simulation tools (loan calculators, rate barometers, eligibility simulators) with human broker advisory that manages the full application process from rate comparison through notarial signature.
Product overview
BoursedesCrédits is an independent mortgage and credit brokerage platform operating as a web-based service with human advisor support. The core offering consists of six main services: (1) Crédit immobilier for mortgage loans with 100+ bank partners, (2) Crédit consommation for consumer credit, (3) Rachat de crédit for debt consolidation, (4) Assurance prêt immobilier for mortgage insurance brokerage, (5) Banque en ligne for online banking comparison, and (6) Épargne et placement for savings/investment product comparison. Supporting these are online simulation tools including loan calculators, notary fee estimators, and PTZ simulators, plus a free interest rate barometer. The platform is not a unified software product but rather a service-based brokerage with web interfaces for customer self-service and advisor-assisted processing. Services are free or commission-based depending on product type, with mortgage brokerage fees at 1% (minimum €1,900) and credit consolidation up to 8%.
Differentiator
Problem solved
Functional benefit
Products and services
- Crédit immobilier (Mortgage Loans) Brokerage service for residential mortgage financing in France, allowing individuals to compare offers from 100+ partner banks and insurers. Covers first-time purchases, second homes, rental investment, construction, and renegotiation. Fees are 1% of the financed amount with a minimum of €1,900, contingent on successful loan completion.
- Crédit consommation (Consumer Credit) Brokerage service for consumer credit in France, covering auto loans, home improvement loans, personal loans, and revolving credit. The service is free for clients; BoursedesCrédits is compensated through commissions from partner banks.
- Rachat de crédit (Credit Consolidation) Debt consolidation brokerage that groups multiple existing loans into a single repayment, marketed to reduce monthly payments by up to 80%. Includes specialized solutions for homeowners, tenants, civil servants, retirees, and self-employed. Brokerage fees up to 8% of the financed amount plus bank commissions.
- Assurance prêt immobilier (Mortgage Insurance) Brokerage service for borrower insurance comparison and substitution under France's Loi Lemoine regulation, covering death, disability, and inability-to-work guarantees. Marketed to deliver savings of up to €15,000. Minimum broker fee of €250 per contract plus insurer commissions.
- Banque en ligne (Online Banking) Comparison and referral service for online banking products in France, helping users select online banks and neobanks based on fees, services, and features. Free for clients; revenue is generated through partner bank commissions.
- Épargne et placement (Savings & Investment) Comparison service for savings and investment products in France, covering life insurance, SCPI (real estate investment trusts), PEA (equity savings plans), savings accounts, and PER (retirement savings plans). Free for clients; revenue comes from partner institution commissions.
Quantifiable outcome
- Monthly payment reduction of up to 80% through debt consolidation
- +2 more outcomes
Companies that use BoursedesCrédits
Customer profileSegments3 records
Ideal customer profiles3 records
BoursedesCrédits technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
BoursedesCrédits partnerships and signals
Strategic signalPartnerships
22 partnerships are on record, tiered core and minor.
- CreatiscoreCreatis is a partner lender and insurer accessible through BoursedesCrédits' comparison platform, providing mortgage and insurance products to end consumers referred by the broker.
- SofincocoreSofinco ( Crédit Agricole Consumer Finance) is a partner bank providing consumer credit and mortgage solutions through BoursedesCrédits' brokerage platform.
- PrévoirminorPrévoir is a partner insurance provider accessible via BoursedesCrédits for borrower insurance and related protection products.
- CKVminorCKV is a partner lender included in BoursedesCrédits' network for credit and consolidation products.
- MyMoneyBankcoreMyMoneyBank is a partner bank whose credit products are distributed through BoursedesCrédits' comparison platform.
- BNP ParibascoreBNP Paribas is a major partner bank accessible through BoursedesCrédits, offering mortgage, consumer credit, and banking products.
- Crédit AgricolecoreCrédit Agricole, France's largest banking group, is a partner lender providing mortgage and credit solutions via the BoursedesCrédits platform.
- AXAcoreAXA is a partner insurer for borrower insurance products distributed through BoursedesCrédits.
- BoursoBankcoreBoursoBank (Société Générale group) is a partner for online banking products and mortgage referrals through BoursedesCrédits.
- CetelemcoreCetelem (BNP Paribas Personal Finance) is a partner lender providing consumer credit solutions via BoursedesCrédits.
- Banque PopulairecoreBanque Populaire, a network of regional cooperative banks, is a partner providing mortgage and credit products through BoursedesCrédits.
- GeneralicoreGenerali is a partner insurer for borrower insurance policies offered through BoursedesCrédits.
- CofidiscoreCofidis is a partner lender specializing in consumer credit and debt consolidation accessible via BoursedesCrédits.
- SwissLifeminorSwissLife is a partner insurer for borrower and savings insurance products distributed through BoursedesCrédits.
- FortuneominorFortuneo is a partner online bank whose products are referenced in BoursedesCrédits' banking comparison service.
- LCLcoreLCL (Crédit Lyonnais) is a partner bank providing mortgage and consumer credit products through BoursedesCrédits.
- FLOAminorFLOA (BNP Paribas Personal Finance brand) is a partner lender for consumer credit and revolving facilities via BoursedesCrédits.
- Crédit MunicipalminorCrédit Municipal (municipal credit institution) is a partner offering pawnshop-backed loans and social credit solutions through BoursedesCrédits.
- SygmaminorSygma (BNP Paribas Personal Finance subsidiary) is a partner lender for mortgage and consumer credit products distributed via BoursedesCrédits.
- CFCALminorCFCAL (Caisse Fédérale de Crédit Agricole's subsidiary) is a partner lender for specialized credit solutions offered through BoursedesCrédits.
- BFOR BankminorBFOR Bank is a partner online banking institution referenced in BoursedesCrédits' comparison platform.
- CGIFINANCEminorCGIFINANCE is a partner credit intermediary providing specialized financing solutions via BoursedesCrédits.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
BoursedesCrédits competitors and assessment
Company assessmentDirect peers
- Pretto: Pretto is a French online-first mortgage broker offering direct bank integrations and a tech-led experience. It competes head-to-head with BoursedesCrédits for residential mortgage brokerage, particularly among first-time buyers, with a comparable partner bank approach but stronger technology differentiation.
- Hello Prêt: Hello Prêt is a French mortgage and credit broker serving individual borrowers across residential purchase, refinancing and consumer credit. It targets the same customer segments as BoursedesCrédits and operates a comparable multi-bank brokerage model with similar fee structures.
- Meilleurtaux: Meilleurtaux is France's largest independent mortgage and credit broker, offering mortgage, consumer credit, consolidation and insurance comparison services. It is the most direct competitor to BoursedesCrédits, with a similar multi-bank brokerage model and overlapping product set, but at significantly larger scale and brand recognition.
- Artemis Courtage: Artemis Courtage is a French mortgage and credit broker with a similar multi-bank partner model. It directly competes with BoursedesCrédits for residential mortgage brokerage, debt consolidation and insurance brokerage in the French market.
- Magnolia (formerly Meilleurtaux Assurance): Magnolia is a French borrower insurance broker specializing in insurance substitution and Loi Lemoine-driven policy switches. It directly competes with BoursedesCrédits' Assurance prêt immobilier product line for the same insurance-switching borrower segment.
- Reassurez-moi: Reassurez-moi is a French insurance broker comparison platform with strong positioning in borrower insurance and life insurance. It competes with BoursedesCrédits' insurance brokerage offering and has built a similar organic search-driven lead generation model in the French market.
- CyberPrêt: CyberPrêt is a French online mortgage broker operating a digital-first comparison and advisory platform. It overlaps directly with BoursedesCrédits in residential mortgage brokerage and consumer credit, competing for the same digital-savvy French borrower segment.
Broad incumbents
- Crédit Agricole: Crédit Agricole is France's largest banking group and a core distribution partner of BoursedesCrédits. As both a partner lender and a broad incumbent offering mortgage, consumer credit and insurance directly, it represents the structural disintermediation risk to BoursedesCrédits' brokerage model.
Emerging players
- Younited Credit: Younited Credit is a French-regulated consumer credit marketplace lender and broker with an investor-funded model. It overlaps with BoursedesCrédits in consumer credit and debt consolidation, and increasingly in mortgage brokerage, but operates a more vertically integrated marketplace lending model.
Others
- BNP Paribas: BNP Paribas Personal Finance (including Cetelem, Cofidis, FLOA and Sygma) is both a major distribution partner and a broad incumbent competitor of BoursedesCrédits. It provides mortgage, consumer credit and consolidation products through the platform while also competing directly via its own brands.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
BoursedesCrédits social profiles
Digital presenceBoursedesCrédits financial estimates
Financial estimateRevenue estimate
Valuation estimate
BoursedesCrédits leadership team
Management profileNumber of profiles
Profiles1 record
BoursedesCrédits funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
BoursedesCrédits 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 BoursedesCrédits
What does BoursedesCrédits do?
Independent online broker in France that compares and intermediates mortgage loans, consumer credit, debt consolidation, and borrower insurance offers from a network of 100+ partner banks and insurers. The service combines self-service digital simulation tools (loan calculators, rate barometers, eligibility simulators) with human broker advisory that manages the full application process from rate comparison through notarial signature.
Is BoursedesCrédits a public or private company?
BoursedesCrédits is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was BoursedesCrédits founded?
BoursedesCrédits was founded in 2012. It employs 1 to 10 people.
Where is BoursedesCrédits based?
BoursedesCrédits is headquartered in Paris, France, in the Europe region.
How does BoursedesCrédits make money?
Five revenue lines are on record. Mortgage brokerage commissions are the primary driver. The others are consumer credit brokerage commissions, debt consolidation brokerage commissions, insurance brokerage commissions and online banking and savings brokerage.
Who are BoursedesCrédits's main competitors?
Direct peers on record are Pretto, Hello Prêt, Meilleurtaux, Artemis Courtage, Magnolia (formerly Meilleurtaux Assurance), Reassurez-moi and CyberPrêt. Crédit Agricole is listed as a broad incumbent. Younited Credit is listed as an emerging player. BNP Paribas is listed as an others.
Does BoursedesCrédits have an API?
No public API is recorded for BoursedesCrédits.
What industry is BoursedesCrédits in?
BoursedesCrédits's product category is Mortgage and Credit Brokerage. Its primary akta.pro industry code is FSALABAA, Retail Residential Mortgage Brokers (Purchase & Refinance), with a secondary code of FSAEAMAA, Mortgage & Loan Introducers (Residential & Commercial). Its NAICS code is 522310 and its SIC code is 6163.