What PRET PRO does

PRET PRO (legal entity: EPCN PRET PRO, SAS, operating as Pretpro.fr) is a French national brokerage network specializing in professional and business financing, founded in 2006 by Eric Allaire. It serves entrepreneurs, SMEs (artisans, retailers, restaurateurs, hoteliers, healthcare professionals, real estate professionals), franchisors and franchisees, and professional advisors (accountants, lawyers, business transfer advisors) across France. The firm intermediates between clients seeking financing and partner banks, handling professional loans, business loans, leasing, financial rental, factoring, crowdfunding, franchise financing, commercial real estate acquisition, equipment financing, business acquisitions, share buyouts, and patient-list/insurance portfolio purchases. Service is delivered through a distributed network of locally-based independent expert brokers (mandataires), supported by a central network animator, partnership development managers, and a real-time dossier tracking extranet (extranet.pretpro.fr).

The company's underlying technology stack is intentionally lean: no proprietary platform is described. Tools include Matomo for web analytics, CloudFlare for security, Axeptio for cookie consent, AWS hosting, and an open-source business management tool launched in March 2025. Core competency is human expertise in financial structuring and banking relationship management rather than a technological product.

PRET PRO operates a success-fee commission model: clients (franchisees, entrepreneurs) pay only upon successful loan disbursement, with the fee embedded in optimized financing conditions (rate, insurance, banking fees, card fees, account charges). Experts are independent agents rather than salaried employees, and the firm generates no revenue unless financing closes. The firm claims a 92% approval rate on submitted requests and a 35-day maximum bank response commitment. Since incorporation into Groupe Alptis (a diversified insurance and social protection group), PRET PRO benefits from capital backing (€1M injection in 2025), parent-group synergies across 11 subsidiaries, and ecosystem cross-sell opportunities. The 2025 leadership transition to CEO Cynthia Parietti, combined with capital deployment and rebranding, signals an active growth and modernization phase.

Name

PRET PRO

Legal name

EPCN PRET PRO

Website

https://pretpro.fr

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

French national brokerage network (Pretpro.fr) that intermediates professional and business financing for entrepreneurs, SMEs, and franchise networks via independent expert brokers, charging success-fee commissions on funded loans.

Ownership category

akta.pro rank

Headquarters

HQ city

Nantes

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Brokerage Commission on Funded Loans: PRET PRO is compensated through a success-fee commission charged to clients (franchisees or entrepreneurs) only upon successful loan disbursement. The commission is embedded in the financing conditions obtained. The company does not charge upfront fees to clients; its cost of intervention is typically offset by the optimal conditions negotiated (lower rates, reduced banking fees, favorable insurance terms). Experts in the network operate as independent agents.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

PRET PRO is a national brokerage network that intermediates professional and business financing between entrepreneurs/SMBs and banking partners. The company matches clients with optimized credit solutions across professional loans, business loans, leasing, factoring, and crowdfunding, handling the full process from feasibility analysis through bank negotiation. Distribution is delivered through a nationwide network of independent expert agents supported by referral partnerships with accountants, lawyers, and franchise networks.

Product overview

Pretpro.fr is a national network of brokerage firms specializing in professional and business financing. The company operates as a unified platform combining core financing products (professional loans, business loans, leasing, factoring, crowdfunding) with specialized solutions for specific needs (franchise financing, commercial real estate, equipment, business acquisition). The offering is supplemented by digital tools including a real-time dossier tracking platform (extranet.pretpro.fr), back-office administrative support, and a partner program for business advisors. The network connects entrepreneurs with banking partners through local independent experts, providing comprehensive project financing support from analysis through final agreement.

Differentiator

Problem solved

Functional benefit

Products and services

• Prêt professionnel (Professional Loan)

Quantifiable outcome

• 92% financing agreement rate on submitted requests
• +4 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

Seven partnerships are on record, tiered minor and core.

• Alptis AssurancesminorOthersAlptis Assurances (25 Cours Albert Thomas, 69003 Lyon) handles data storage for website traffic and analytics as part of the group infrastructure.
• Exco NexiomcoreChannel Partner/ Reseller/ DistributorOne of France's top 50 accounting firms (~300 people, €30M revenue) partnering with PRET PRO for over 15 years. Exco Nexiom refers clients seeking business acquisition or franchise financing to PRET PRO. The partnership covers business transfers, franchise purchases, and company acquisitions ranging from hundreds of thousands to several million euros. Exco Nexiom and PRET PRO jointly optimize client dossiers, with the accounting firm preparing financial forecasts and PRET PRO managing bank relations and timing.
• Vousfinancer.com (franchisees)coreChannel Partner/ Reseller/ DistributorVousfinancer.com franchisees specializing in individual credit partner with PRET PRO for professional loan referrals. One Vousfinancer franchisee reported that in a few months with PRET PRO, they processed more professional financing files than their dedicated in-house employee produced in 3 years.
• IdésiaminorChannel Partner/ Reseller/ DistributorIdésia, a credit consolidation specialist, partners with PRET PRO to respond to professional credit requests from their referrers without having to manage the complexity internally. Described as gaining a quality solution via PRET PRO's innovative tools.
• RESCO Courtage (Groupe Alptis)minorStrategic or Co-development PartnerRESCO Courtage is a subsidiary of Groupe Alptis specializing in cyber and surety insurance for businesses. Featured in PRET PRO's blog as part of the broader Alptis ecosystem synergy, demonstrating the group's integrated service offering to entrepreneurs.
• In ExtensocoreChannel Partner/ Reseller/ DistributorIn Extenso (a large accounting and business advisory firm) is a key partner for Quadro franchise network financing. PRET PRO's expert Charles Bonnel works directly with In Extenso accountants to optimize financial forecasts and financing plans for franchise candidates, ensuring fluid coordination without franchise network involvement.
• Meunerie BourseauminorChannel Partner/ Reseller/ DistributorMeunerie Bourseau (a flour mill/milling business) referred Les Ateliers Fernand bakery project to PRET PRO for financing support, leading to the successful €600,000+ financing for the artisanal bakery in Laval.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• ACE Crédit: National French broker network specializing in mortgage and professional credit, with a similar independent broker distribution model. Directly competes with PRET PRO for the same SMB and professional clients across France.
• BoursedesCrédits: French credit broker with online portal and broker network, serving both individual and professional borrowers. Comparable intermediation model with hybrid digital/broker approach versus PRET PRO's purely relationship-driven model.
• Vousfinancer: French franchise network of independent mortgage and professional credit brokers. PRET PRO's CEO Cynthia Parietti previously led Vousfinancer, and the two networks actively cross-refer clients (Vousfinancer franchisees send professional credit leads to PRET PRO). Highly direct peer in model, distribution, and customer segment.
• CAFPI: One of France's largest independent mortgage and professional credit broker networks, with a comparable franchise-based independent broker model. Cynthia Parietti also previously held leadership at CAFPI. Direct competitor in SMB and professional credit intermediation.
• Empruntis: Established French broker with both direct and franchise distribution, focused on mortgage and increasingly on professional credit. Operates in the same customer segments and competes on similar advisory value proposition.
• AB Courtage: Independent French broker network active in mortgage and professional credit, with a comparable regional-independent-broker distribution structure and customer base of SMBs and professionals.
• Artémis Courtage: French credit broker network owned by Vousfinancer's parent Cigierre. Comparable franchise distribution model and competes with PRET PRO for professional credit intermediation.

Broad incumbents

• Meilleurtaux: Major French broker (now part of Les Echos-Le Parisien) historically focused on mortgage intermediation but expanding into professional and consumer credit. Larger scale and broader product portfolio but less specialization in the professional/entrepreneur segment that anchors PRET PRO.
• Caisse d'Épargne (Banque Populaire network): Major French retail bank that both supplies loan capital to PRET PRO's network and competes directly with PRET PRO for entrepreneur clients through its own in-house SMB advisors. Relevant as both a partner and a competitive incumbent.
• Crédit Pro (Société Générale): Société Générale's dedicated professional and SMB financing brand. Largest incumbent lenders to the same entrepreneur/TPE target segment and an alternative channel clients may choose over broker intermediation.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/pret-pro
• Xx.com/pret_pro
• Facebookfacebook.com/PRETPRONantesMickaelBlanchard

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 PRET PRO