Crédit Municipal de Bordeaux

Name

Crédit Municipal de Bordeaux

Legal name

Caisse de Crédit Municipal de Bordeaux

Website

https://creditmunicipal-bordeaux.fr

Company type

Private

Founded year

1804

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Municipal Pawn Lending

NAICS

Depository Credit Intermediation (5221), Nondepository Credit Intermediation (5222)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Collateral-Based Lines of Credit (Secured Revolving) (FSAKALAH)

akta.pro secondary industries

Municipal/Local Government Development Banks (FSABAKAI), Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

Keywords

• Pawn loans
• Municipal banking
• Savings accounts
• Auction sales
• Social lending

Headquarters

HQ city

Bordeaux

HQ country

France

HQ region

Europe

Offices6 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Prêt sur Gage (Pawn Loans): Interest earned on pawn loans extended against valuable objects (jewelry, watches, artwork, etc.). Loans are typically 6 months renewable, with interest rates applied according to regulatory tariff schedules.
2. Ventes aux Enchères (Auction Sales): When pawned items are not redeemed, they are sold through public auctions organized by the institution, generating revenue through sale proceeds.
3. Services Bancaires (Banking Services): Daily banking services including savings accounts and other banking products offered to customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Crédit Municipal de Bordeaux is a French public communal credit institution offering pawn loans (Prêt sur Gage) where customers obtain immediate cash by depositing valuable objects as collateral for 6-month renewable terms. It also provides daily banking services, regulated savings products, and auction sales of unredeemed pawned items, serving individual consumers seeking accessible, transparent short-term financing.

Product overview

Crédit Municipal de Bordeaux is a public social lending institution operating for over 220 years. The organization offers a portfolio of financial services centered on its core pawn loan product (Prêt sur Gage), supplemented by auction sales (Vente aux Enchères), savings products (Épargne), and daily banking services (Banque au Quotidien). Supporting services include free expert valuations (Expertises Gratuites). Digital access is provided through dedicated online portals: pretgage.fr for pawn loan management and ccmdirect.fr for banking operations.

Differentiator

Problem solved

Functional benefit

Products and services

• Prêt sur Gage (Pawn Loan) A short-term secured loan where customers deposit valuable objects (jewelry, watches, artwork, etc.) as collateral in exchange for immediate credit. Loans are renewable for 6-month periods, granted within one hour, and require only ID and proof of address without credit checks or complex formalities.
• Vente aux Enchères (Auction Sales) Regular public auctions held at all six agency locations, selling unclaimed pawned items and special collections. Events include the presence of auctioneers and gemologists.
• Épargne (Savings)

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Ten partnerships are on record, tiered minor.

• CSF (Caisse Sociale Fonctionnaire)minorOthersSocial welfare partner organization, providing services to public sector employees.
• CNAS (Comité National d'Action Sociale)minorOthersNational social action committee, a public social welfare organization.
• Atelier BudgétaireminorOthersBudget advisory organization providing financial guidance services.
• Bordeaux Mécènes SolidaireminorOthersSolidarity patron organization supporting local initiatives.
• Ville de Saint-YrieixminorOthersMunicipal partnership with Saint-Yrieix town.
• UDAF 79 (Union Départementale des Associations Familiales des Deux-Sèvres)minorOthersFamily associations union providing family welfare support services.
• CCAS (Centre Communal d'Action Sociale)minorOthersMunicipal social action center network across France.
• PRÉFONminorOthersPension fund for civil servants, offering retirement savings solutions.
• CIDFF 30 (Centre d'Information sur les Droits des Femmes et des Familles du Gard)minorOthersInformation center for women's and family rights in Gard department.
• Bordeaux MétropoleminorOthersMetropolitan authority for Bordeaux area, representing the local government network.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Crédit Municipal de Nantes: Public communal pawnbroking and credit establishment in western France under the same L514-1 legal regime. Operates comparable products (pawn loans, savings, auctions) to CMB.
• Crédit Municipal de Lyon: Public communal credit establishment serving the Lyon metro with pawn loans, auctions, and savings products under the same French monetary and financial code framework as CMB. Direct functional and regulatory peer.
• Crédit Municipal de Paris: The largest and most prominent Crédit Municipal in France, operating the same pawn loan (prêt sur gage), auction, and banking model under identical ACPR regulation and articles L514-1 framework. Direct head-to-head comparable in business model and regulatory category.
• Crédit Municipal de Marseille: Public pawnbroking institution serving the Marseille region with the same prêt sur gage offering, ACPR-regulated tariff structure, and 6-month renewable loan terms. Closely comparable business profile to CMB.
• Crédit Municipal de Toulouse: Public municipal credit institution in southwestern France operating the same prêt sur gage model and auction business. Direct peer with overlapping customer demographics and regulatory profile.
• Crédit Municipal de Lille: Northern France Crédit Municipal offering pawn loans, auctions, and banking services under the identical public-establishment legal framework. Comparable in product mix and regulatory exposure to CMB.
• Crédit Municipal de Strasbourg: Eastern France Crédit Municipal providing pawn loans and related credit services under the same French public-establishment regulatory framework. Direct comparable in business activities and oversight.
• Crédit Municipal de Nice: Public pawnbroking institution on the French Riviera with prêt sur gage offerings under identical ACPR-supervised framework. Comparable in product suite and target customer base to CMB.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Instagraminstagram.com/reel/DVRGzsJClgf
• Facebookfacebook.com/ccmpsbordeaux
• LinkedInlinkedin.com/company/ccmps

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Crédit Municipal de Bordeaux