Emprunt Direct.com

What Emprunt Direct.com does

Emprunt Direct.com (legal entity La Française du Courtage SAS) is a French online mortgage and consumer credit brokerage founded in 2009 and headquartered in Bordeaux. The company operates a 100% internet-based platform that connects individual borrowers seeking mortgage and consumer credit with a network of more than 30 banking partners, including major French banks and regional institutions (BNP Paribas, Société Générale, Crédit Agricole regional entities, Caisse d'Épargne, Crédit Mutuel, LCL, AXA Banque, Banque Palatine, CIC, Crédit du Nord). Its core offering covers mortgage origination, refinancing (rachat de crédit immobilier), credit consolidation (regroupement de crédits), professional loans, SCPI investment loans, co-ownership share buyouts (rachat de soulte), and the PTZ+ government-subsidized first-time buyer loan. The platform is supplemented by an interactive calculator suite (borrowing capacity, monthly payments, amortization schedule, notary fees, guarantee fees, borrower insurance) and a regional rate barometer.

The platform operates on a direct-to-consumer model: customers complete a self-service online form, the firm queries its banking partners, and the borrower receives an in-principle response (réponse de principe). Distribution is entirely digital with no physical branches; advisor availability is advertised Monday through Saturday from 9 a.m. to 10 p.m. The company monetizes exclusively via commissions from banking partners, structured as a percentage of the financed amount (sometimes capped), while the service is free to consumers ("200% gratuit"). Customer segmentation is horizontal across individual French residents — primarily home buyers, secondarily borrowers seeking credit restructuring and self-employed professionals seeking professional credit. The firm is registered as an ORIAS intermediary (no. 13002561), supervised by the ACPR, and declared to the CNIL (no. 1716365); it is led by President and founder Alban Lacondemine.

Name

Emprunt Direct.com

Legal name

LA FRANCAISE DU COURTAGE

Website

https://emprunt-direct.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

Emprunt Direct.com is a French online mortgage and consumer credit brokerage (founded 2009, Bordeaux) that connects individual borrowers with over 30 banking partners via a free, 100% internet-based platform, earning commissions on financed loan volume.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

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

akta.pro primary industry

Mortgage Refinance & Rate/Term Intermediation (FSAEAEAC)

Keywords

• Online mortgage brokerage
• Credit intermediation
• Loan refinancing
• Credit consolidation
• Mortgage comparison

Headquarters

HQ city

Bordeaux

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Commission from banking partners: La Française du courtage perçoit du partenaire bancaire, au titre de l'intermédiation pour le crédit immobilier, une rémunération basée sur un pourcentage de la somme financée, cette rémunération pouvant être plafonnée.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Emprunt Direct.com is an online mortgage and credit brokerage that connects French consumers with over 30 partner banks through a single online application, returning comparative loan offers and a financing feasibility attestation. It intermediates mortgage loans, refinancing, credit consolidation, professional credit, SCPI investment loans, share buyouts, and the PTZ+ zero-interest loan, supported by a suite of free interactive calculators and a regional interest rate barometer.

Product overview

Emprunt Direct operates as an online mortgage brokerage platform connecting French homebuyers with partner financial institutions. The core offering consists of credit intermediation services for mortgage loans, loan refinancing, credit consolidation, professional loans, SCPI investment loans, and property share buyouts. The platform differentiates through a network of over 40 partner banks and a suite of free calculation tools (interactive mortgage simulator, borrowing capacity, monthly payment, amortization schedule, notary fees, guarantee fees, and borrower insurance). The company was founded in 2009 and operates entirely remotely, positioning itself as a 100% internet-based brokerage with strong advisor availability.

Differentiator

Problem solved

Functional benefit

Products and services

• Crédit Immobilier (Mortgage Credit) Online mortgage lending service that connects customers with partner banks to obtain the best interest rates for real estate purchases. Customers complete an online form, Emprunt Direct queries partner institutions, and clients receive comparative financing proposals.
• Rachat de Crédit Immobilier (Mortgage Refinancing)
• Regroupement de Crédits (Credit Consolidation)
• Crédit Professionnel (Professional Credit)
• Prêt SCPI (SCPI Investment Loan)
• Rachat de Soulte (Share Buyout)
• Prêt à Taux Zéro+ (PTZ+)

Quantifiable outcome

• Consumer savings through better rate comparison

Segments3 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

22 partnerships are on record, tiered core and minor.

• AXA BanquecoreChannel Partner/ Reseller/ DistributorBanking partner providing credit products through Emprunt Direct's brokerage platform
• Banque PalatinecoreChannel Partner/ Reseller/ DistributorBanking partner providing credit products through Emprunt Direct's brokerage platform
• BNP ParibascoreChannel Partner/ Reseller/ DistributorMajor banking partner including BNP Paribas Personal Finance and BNP Paribas International Buyers
• Banque Populaire (multiple regional entities)coreChannel Partner/ Reseller/ DistributorRegional Banque Populaire entities including Alsace Lorraine Champagne, Aquitaine Centre Atlantique, Auvergne Rhône Alpes, Méditerranée, de l'Ouest, and Val de France
• Caisse d'Épargne (multiple regional entities)coreChannel Partner/ Reseller/ DistributorRegional Caisse d'Épargne entities covering Aquitaine Poitou Charente, Auvergne Limousin, Bourgogne Franche-Comté, Côte d'Azur, Hauts de France, Loire Drôme Ardèche, Lorraine Champagne Ardennes, and Provence Alpes Corse
• Crédit Agricole (multiple regional entities)coreChannel Partner/ Reseller/ DistributorRegional Crédit Agricole entities including Alsace Vosges, Brie Picardie, Centre Est, Île de France, Morbihan, Nord Midi Pyrénées, Normandie, Sud Rhône Alpes, and Sud Méditerranée
• Crédit Mutuel (Arkea, Sud-Ouest, Bretagne)coreChannel Partner/ Reseller/ DistributorRegional Crédit Mutuel entities including Arkea, Sud-Ouest, and Bretagne
• Société GénéralecoreChannel Partner/ Reseller/ DistributorMajor banking partner providing credit products through Emprunt Direct's platform
• Crédit CoopératifminorChannel Partner/ Reseller/ DistributorCooperative bank partner offering ethical and solidarity-based financing options
• Crédit Industriel et Commercial (CIC)coreChannel Partner/ Reseller/ DistributorBanking partner providing credit products through the brokerage platform
• Le Crédit Lyonnais (LCL)coreChannel Partner/ Reseller/ DistributorMajor retail banking partner
• Louvre Banque PrivéeminorChannel Partner/ Reseller/ DistributorPrivate banking partner for high-net-worth client credit solutions
• Credit Foncier de France / CFCALminorChannel Partner/ Reseller/ DistributorSpecialized real estate credit institution partner
• Banque de SavoieminorChannel Partner/ Reseller/ DistributorRegional banking partner
• Banque CourtoisminorChannel Partner/ Reseller/ DistributorRegional bank partner listed in recruitment site partners
• Banque KolbminorChannel Partner/ Reseller/ DistributorRegional bank partner listed in recruitment site partners
• Banque LaydernierminorChannel Partner/ Reseller/ DistributorRegional bank partner listed in recruitment site partners
• Banque NugerminorChannel Partner/ Reseller/ DistributorRegional bank partner listed in recruitment site partners
• Banque Rhône AlpesminorChannel Partner/ Reseller/ DistributorRegional bank partner listed in recruitment site partners
• Banque TarneaudminorChannel Partner/ Reseller/ DistributorRegional bank partner listed in recruitment site partners
• Crédit du Nord (multiple entities)coreChannel Partner/ Reseller/ DistributorRegional Crédit du Nord entities including Provinces du Nord and Nord Ouest
• Crédit Mutuel du Massif CentralminorChannel Partner/ Reseller/ DistributorRegional Crédit Mutuel partner listed in recruitment site partners

Scale indicators4 records

Recent moves1 record

Expansion highlights5 records

Direct peers

• AB Courtage: French mortgage and credit broker with a strong online presence, intermediating between borrowers and partner banks. Directly comparable to Emprunt Direct in product and customer segment.
• Pretto: Digital-first French mortgage broker that helps borrowers compare offers and obtain financing online. Competes head-to-head with Emprunt Direct in the online mortgage brokerage segment for French homebuyers.
• Cafpi: Established French mortgage broker with a hybrid online and branch-based model, intermediating mortgage loans between consumers and partner banks. A direct competitor in French mortgage intermediation.
• Meilleurtaux: One of France's largest online mortgage and loan brokerages, brokering real estate and consumer credit across multiple bank partners. Directly competes with Emprunt Direct on the same multi-bank comparison proposition targeting French consumers.
• Acecrédit: French broker specializing in consumer credit (personal loans, auto, and renovation) rather than mortgages. Comparable in offering a free, multi-lender brokerage model to French consumers online.

Emerging players

• Reassurez-moi: French insurance and credit comparison platform that, like Emprunt Direct, monetizes through a free consumer comparison funnel and partner commissions. Comparable in the digital comparison and intermediation model applied to financial products.
• Younited Credit: French online consumer lending platform offering personal loans and credit through a fully digital journey. Comparable to Emprunt Direct as a digital-native, multi-product French credit intermediary, though it lends rather than brokers.

Broad incumbents

• BforBank: French online bank offering mortgage and personal loans directly to consumers. Comparable as a digital distribution channel for French credit products that competes for the same customer base.
• Boursorama Banque: France's leading online bank, offering mortgage and consumer credit products directly. Represents the disintermediation risk for Emprunt Direct as a large-scale digital bank that consumers may use directly instead of through a broker.

Others

• IG Markets France: Listed here as a placeholder for broader French online financial services intermediaries; not a direct competitor but part of the wider digital finance ecosystem influencing consumer expectations for online mortgage journeys.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/Emprunt_Direct

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 Emprunt Direct.com