API Financement

What API Financement does

API Financement is a French mortgage and insurance brokerage firm headquartered in Tours, operating as a regulated intermediary (COBSP and COA, supervised by ACPR and registered with ORIAS under 18005444). The company is the dedicated financing arm of Citya Immobilier, one of France's largest property management groups with over 50,000 annual rental transactions. Its product portfolio spans residential mortgage brokerage (courtage en crédits immobiliers and prêt immobilier), renovation loans (prêt travaux), tenant relocation loans (prêt locataire), condominium collective loans (prêt copropriété) — including the government-guaranteed zero-interest Eco-PTZ copropriété for energy-efficient building works — and borrower insurance comparison and delegation services under the Lemoine Law.

The firm operates on a traditional brokerage model: there is no proprietary technology platform disclosed, and origination flows through standard banking partner networks covering nine major French institutions (AXA, Banque Populaire, Crédit Agricole, LCL, Société Générale, Caisse d'Épargne, La Banque Postale, Crédit Du Nord, CFCAL). A digital front end — website-based loan simulations, SEO-optimized product pages, a content blog, and online application forms — supports lead capture, while a dedicated advisor model delivers personalized financing plans in under 24 hours and negotiates loan terms on the client's behalf, including with the client's existing bank.

API Financement earns revenue through commissions and referral fees paid by partner banks and insurers on each mortgage and insurance placement. The customer base is broadly diversified across individual home buyers, renovation borrowers, tenants/relocators, and condominium associations, with no disclosed enterprise concentration. Headcount is reported in the 1–10 range, with capital of €1,000,000 and RCS Tours registration number 841 398 175. The publication director is listed as Frédéric Chaminade. No funding rounds, M&A activity, or inorganic growth signals appear in the data set.

Name

API Financement

Legal name

SAS API FINANCEMENT

Website

https://api-financement.net

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

API Financement is a French mortgage and insurance brokerage headquartered in Tours, operating as the financing arm of Citya Immobilier. It places residential, renovation, tenant, and condominium loans across nine major French bank partners and earns commissions on each placement.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage Services

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Commercial Mortgage Brokerage (FSAEAEAB)

akta.pro secondary industry

Construction & Renovation Loan Intermediation (FSAEAEAF)

Keywords

• Mortgage brokerage services
• Insurance brokerage
• Renovation financing
• Real estate loans
• Credit intermediation

Headquarters

HQ city

Tours

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Brokerage Commissions: API Financement acts as an intermediary between borrowers and banking/insurance partners, earning commissions from financial institutions for placing mortgage loans and insurance products. As a Courtier en opération de Banque et Services de paiement (COBSP) and Courtier d'Assurance (COA), the company generates revenue through referral fees and commissions paid by partner banks and insurers.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

API Financement operates as a French mortgage and insurance broker, analyzing client financial situations and constructing financing plans within 24 hours. The firm negotiates with a network of partner banks to secure residential, renovation, tenant relocation, and co-ownership loans, and distributes borrower insurance as a registered intermediary.

Product overview

API Financement operates as a mortgage and insurance brokerage platform offering a comprehensive suite of financing solutions for real estate projects. The core offering centers on mortgage brokerage (courtage en crédits immobiliers) that negotiates optimal conditions across partner banks. The product portfolio includes: residential mortgage loans (Prêt immobilier), renovation loans (Prêt travaux), tenant/moving loans (Prêt locataire), and specialized collective loans for co-ownership buildings (Prêt copropriété) including government-guaranteed eco-renovation loans (Éco-PTZ copropriété). The company also provides borrower insurance comparison services (Assurance emprunteur) leveraging the Lemoine Law. All services feature a dedicated advisor model with financing plans delivered within 24 hours.

Differentiator

Problem solved

Functional benefit

Products and services

• Courtage en crédits immobiliers (Mortgage brokerage) End-to-end mortgage brokerage service analyzing the borrower's situation, building a financing file within 24 hours, and negotiating loan terms with partner banks for individual homebuyers and property owners.
• Prêt immobilier (Residential mortgage) Brokerage of residential mortgage loans for individuals purchasing primary residences, secondary homes, or investment properties.
• Prêt travaux (Renovation loan) Brokerage of renovation and home improvement loans for property owners undertaking works on their homes.
• Prêt locataire (Tenant relocation loan) Brokerage of loans for tenants covering moving costs, security deposits, and relocation expenses.
• Prêt copropriété (Co-ownership loan) Brokerage of collective loans for condominium associations to finance shared building works and capital expenditures.
• Éco-PTZ copropriété (Eco-renovation loan) Brokerage of interest-free eco-renovation loans for condominium associations undertaking energy efficiency works.
• Assurance emprunteur (Borrower insurance) Distribution of borrower insurance (mortgage protection insurance) as a registered insurance intermediary (COA).

Quantifiable outcome

• Financing plan constructed in under 24 hours
• +1 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

13 partnerships are on record, tiered core, minor and flagship.

• AXAcoreChannel Partner/ Reseller/ DistributorMajor French insurance company listed as a banking and insurance partner, providing insurance products through API Financement's brokerage services.
• Banque PopulairecoreChannel Partner/ Reseller/ DistributorRegional French banking group partner offering mortgage and loan products through API Financement's network.
• CFCALminorChannel Partner/ Reseller/ DistributorCaisse Fédérale de Crédit Agricole partner providing loan products through the brokerage.
• Crédit AgricolecoreChannel Partner/ Reseller/ DistributorFrance's largest banking group listed as a key lending partner for API Financement's mortgage products.
• Crédit Du NordminorChannel Partner/ Reseller/ DistributorRegional banking partner within the Société Générale group offering loan products.
• Caisse d'ÉpargnecoreChannel Partner/ Reseller/ DistributorMajor French savings bank partner providing mortgage financing options.
• La Banque PostalecoreChannel Partner/ Reseller/ DistributorFrench postal banking service partner offering loan products through the network.
• LCLcoreChannel Partner/ Reseller/ DistributorMajor French retail bank partner providing mortgage and insurance products.
• Société GénéralecoreChannel Partner/ Reseller/ DistributorLarge French international banking group partner for loan placement services.
• Citya ImmobilierflagshipStrategic or Co-development PartnerParent company - one of France's largest real estate management groups with over 50,000 annual rental transactions. Provides significant referral pipeline and brand credibility. API Financement is the financing arm of Citya Immobilier.
• Arche Immobilier & ServicesminorStrategic or Co-development PartnerRelated real estate services company displaying logo on website footer, part of the broader real estate ecosystem.
• ANM Conso (Médiation de la Consommation)minorImplementation/ SI/ Consulting PartnerConsumer mediation service designated for dispute resolution as required by French consumer law.
• Allianz IARDminorChannel Partner/ Reseller/ DistributorInsurance provider for professional liability insurance (RCP - Responsabilité Civile Professionnelle) as required by regulatory framework.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• CAFPI: Leading French mortgage brokerage (Compagnie des Agents Financiers de Placement Immobilier) with a national branch network offering the same residential and investment property loan intermediation as API Financement.
• Pretto: French online mortgage broker offering residential loan brokerage with a digital-first advisor model, directly competing with API Financement for the same individual home-buyer segment in France.
• Younited Credit: French online consumer and home improvement credit platform, an emerging player offering prêts travaux and personal loans with a digital model that overlaps with API Financement's renovation and tenant loan products.
• Empruntis: Established French mortgage broker with online simulation tools and bank-partner intermediation, competing head-to-head with API Financement for residential mortgage origination in France.
• Meilleurtaux: One of France's largest mortgage and insurance brokerages, operating a multi-product platform (mortgage, insurance, renovation, regroupement de crédits) closely comparable to API Financement's full-service brokerage offering.
• BoursedesCrédits: French mortgage and consumer credit broker comparison platform, directly comparable to API Financement's role of matching borrowers with bank offers across multiple lending partners.
• Magfinance: Independent French mortgage broker providing personalized residential loan brokerage and rate negotiation, directly comparable to API Financement's core courtage en crédits immobiliers service.

Broad incumbents

• Crédit Agricole: France's largest retail banking group and one of API Financement's core partner banks, also a broad market incumbent that originates mortgages directly and could disintermediate the broker model.
• LCL (Le Crédit Lyonnais): Major French retail bank and listed partner of API Financement, providing mortgage and insurance products that overlap directly with API Financement's intermediation offering.
• Société Générale: Major French international banking group and core partner bank of API Financement, offering a full range of mortgage and insurance products directly to consumers in the same target market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/api-financement

Compliance5 records

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 API Financement