IN&FI Crédits

What IN&FI Crédits does

IN&FI Crédits is a French credit brokerage franchise network that intermediates between individual borrowers and approximately 110 partner banks. Founded in 2001 with the franchise model launched in 2004, the company operates roughly 100 agencies across France supported by 350-400 credit advisors. In 2024, the network arranged €1.5 billion in financing volume across 8,500 dossiers and reported a 96% customer satisfaction rate.

The product portfolio spans mortgage brokerage (prêt immobilier), loan consolidation (rachat de crédits), professional loans (prêt professionnel), consumer loans (prêt personnel), and borrower insurance (assurance de prêt), with supporting online simulators and mobile applications on iOS and Android. The company operates as a pure intermediary: services are free to end customers, with revenue derived from commissions paid by partner banks on successfully placed loans. The franchise structure means the central entity collects franchise fees and shared commissions while individual agencies handle origination and client relationships.

Leadership is anchored by Pierre-Etienne Beuvelet as Directeur Général. The company has received the Capital Meilleures Enseignes award in 2023, 2024, and 2025, indicating sustained brand recognition in the French market. As a privately held entity with no disclosed funding rounds, IN&FI Crédits has grown organically through franchise recruitment, bank partner expansion, and product diversification.

Name

IN&FI Crédits

Legal name

IN&FI Crédits

Website

https://inandfi-credits.fr

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

251–500 employees

Short description

IN&FI Crédits is a French credit brokerage franchise network with ~100 agencies intermediating mortgages, consumer loans, consolidation, and professional financing between individual borrowers and ~110 partner banks.

Ownership category

akta.pro rank

Product category

Credit Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)

akta.pro secondary industry

Debt Consolidation & Credit Card Balance Transfer Intermediation (FSAEAEAN)

Keywords

• Credit brokerage services
• Mortgage loan intermediation
• Loan consolidation
• Consumer credit broker
• Professional financing

Headquarters

HQ city

Rambouillet

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, Infrastructure

Revenue model

1. Brokerage commissions: IN&FI Crédits acts as an intermediary between borrowers and partner banks. Revenue is generated through commissions paid by partner banks and financial institutions for successfully arranged loans (mortgage, consolidation, professional, and personal credit). The service to customers is described as free and without engagement.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

IN&FI Crédits is a French credit brokerage intermediary that arranges mortgage, credit consolidation, professional, and personal loans for individual consumers and professionals by comparing offers from approximately 110 partner banks. The service is free for the customer, with revenue earned through commissions paid by partner banks on successfully placed loans. Operations are delivered through a franchise network of approximately 100 local agencies across France and supported by online simulators and mobile applications.

Product overview

IN&FI Crédits is a French mortgage and credit broker operating a franchise network of approximately 100-120 agencies across France. The company offers a unified brokerage platform connecting clients with approximately 110 partner banks. The core product portfolio consists of four principal loan categories: Prêt immobilier (real estate mortgages), Rachat de crédits (loan consolidation), Prêt professionnel (business financing), and Prêt personnel (consumer credit). These are supplemented by ancillary services including Assurance de prêt (borrower insurance) and Simulateurs de prêt (online calculation tools for loan planning). The company also operates mobile applications for iOS and Android platforms.

Differentiator

Problem solved

Functional benefit

Products and services

• Prêt immobilier (Mortgage loan) Mortgage loan brokerage for individuals financing a primary residence, secondary residence, or rental property investment, with access to approximately 110 partner banks for competitive rate negotiation.
• Rachat de crédits (Loan consolidation) Combines multiple existing credits (consumer and/or mortgage loans) into a single loan with reduced monthly payments, for individuals seeking to simplify financial management.
• Prêt professionnel (Professional loan) Financing solutions for entrepreneurs, artisans, merchants, liberal professions, and business creators or takeover buyers, covering business creation, acquisition, investment credit, working capital, commercial lease (pas de porte), and business shares (parts sociales).
• Prêt personnel (Personal loan) Consumer credit for personal projects including vehicle purchase, home renovation, travel, or general cash needs, with a maximum of €75,000 and flexible repayment terms, without requiring the borrower to specify the purpose to the bank.
• Assurance de prêt (Borrower insurance) Borrower insurance that covers credit repayment in case of death, disability, or job loss, offered alongside mortgage and other loan products as part of the brokerage service.

Quantifiable outcome

• 96% customer satisfaction rate
• +2 more outcomes

Named customers4 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

59 partnerships are on record, tiered minor and core.

• Mes Aides Publiques InfogreffeminorStrategic or Co-development PartnerPublic aid platform partner helping professionals access government support and funding information. Located at 22 rue Amelot, 75011 Paris.
• La Première BriqueminorStrategic or Co-development PartnerReal estate crowdfunding partner enabling alternative financing options for clients. Located at 15 Quai Pierre Scize, 69009 Lyon.
• KoregrafminorStrategic or Co-development PartnerReal estate investment partner specialized in new property investments. Located at 17 Rue des Cavailles, 33310 Lormont.
• Younited CreditcoreChannel Partner/ Reseller/ DistributorOnline lending platform partner for consumer and professional loans. One of the direct lending partners accessible through the IN&FI network. Located at 21 Rue de Châteaudun, 75009 Paris.
• SofincocoreChannel Partner/ Reseller/ DistributorConsumer credit subsidiary of Crédit Agricole, providing loan products for personal and auto financing. Located at 1 rue Victor Basch, 91300 Massy.
• Quintet Private BankminorChannel Partner/ Reseller/ DistributorPrivate banking partner for high-net-worth client financing solutions. Luxembourg-based. Located at 3 boulevard Royal, 2449 Luxembourg.
• Milleis Banque PrivéeminorChannel Partner/ Reseller/ DistributorPrivate banking partner for affluent client lending. Located at 2-20 place des Vins de France, 75012 Paris.
• Louvre Banque PrivéeminorChannel Partner/ Reseller/ DistributorPrivate banking partner. Located at 48 rue du Louvre, 75001 Paris.
• FloacoreChannel Partner/ Reseller/ DistributorSpecialized lender (Société Financière) offering consumer credit, regrouping of loans, and affinity solutions. Located at 71 rue Lucien Faure, 33300 Bordeaux.
• CofidiscoreChannel Partner/ Reseller/ DistributorOnline consumer credit institution partner. Located at 61 Avenue Halley, 59650 Villeneuve d'Ascq.
• Banque TransatlantiqueminorChannel Partner/ Reseller/ DistributorBanking partner for private and professional lending solutions. Located at 4 rue Frédéric-Guillaume Raiffeisen, 67906 Strasbourg cedex 09.
• Banque des CaraïbesminorChannel Partner/ Reseller/ DistributorBanking partner with Caribbean focus. Located at 103 rue de Grenelle, 75007 Paris.
• AssursafeminorChannel Partner/ Reseller/ DistributorInsurance partner for borrower insurance solutions. Located at 128 rue de la Boétie, 75008 Paris.
• AssuragencyminorChannel Partner/ Reseller/ DistributorInsurance partner. Located at 74 Allée Helsinki, 83500 La Seyne-sur-Mer.
• VisibilitieminorStrategic or Co-development PartnerDigital visibility and marketing partner for real estate professionals. Located at 93 Rue Pierre-Paul Riquet, 31000 Toulouse.
• EximminorChannel Partner/ Reseller/ DistributorSpecialized financing partner. Located at 17 Rue Daru, 75008 Paris.
• OdealimminorChannel Partner/ Reseller/ DistributorInsurance and financial solutions partner. Located at 14 Rue de Richelieu, 75001 Paris.
• Cherche mon nidminorStrategic or Co-development PartnerReal estate search partner helping clients find properties. Located at 2 rue Kellermann, 59100 Roubaix.
• YoudgeminorChannel Partner/ Reseller/ DistributorDigital credit comparison platform partner. Located at 14 Place Marie-Jeanne Bassot, 92300 Levallois-Perret.
• PapernestminorStrategic or Co-development PartnerUtility and administrative relocation service partner. Located at 157 boulevard MacDonald, 75019 Paris.
• Endie ImmobilierminorStrategic or Co-development PartnerReal estate agency partner. Located at 10 avenue de la République, 03000 Moulins.
• VirgilminorStrategic or Co-development PartnerReal estate services partner. Located at 7 impasse Charles Petit, 75011 Paris.
• MonetiviaminorStrategic or Co-development PartnerAsset management and financial advisory partner. Located at 6 avenue Marceau, 75008 Paris.
• AdemeureminorStrategic or Co-development PartnerReal estate partner. Located at 17 Bd Salvador Allende, 33210 Langon.
• Prestige by arthurimmo.comminorStrategic or Co-development PartnerPremium real estate partner. Located at 13 Rue Pierre Guérin, 75016 Paris.
• Comptoir Immobilier de FranceminorStrategic or Co-development PartnerReal estate network partner. Located at 176 Rue Du Puech, 30310 Vergèze.
• Avenir RénovationsminorStrategic or Co-development PartnerRenovation services partner. Located at 2 rue Kellermann, 59100 Roubaix.
• Activ TravauxminorStrategic or Co-development PartnerHome improvement works partner connecting clients with renovation professionals. Located at 3 Rue Augustin Fresnel, 44470 Carquefou.
• Renovation ManminorStrategic or Co-development PartnerRenovation franchise network partner. Located at 95 avenue du Président Wilson, 93100 Montreuil.
• The Door ManminorStrategic or Co-development PartnerHome improvement specialist partner. Located at 3bis Rue Barthélémy Thimonnier, 78120 Rambouillet.
• Le Partenaire.frminorStrategic or Co-development PartnerPartner network for financial services referrals. Located at 77-79 boulevard Alexandre Martin, 45000 Orléans.
• La Maison des TravauxminorStrategic or Co-development PartnerHome renovation franchise network partner. Located at 192-196 rue Houdan, 92330 Sceaux.
• Immo FonctionnaireminorStrategic or Co-development PartnerReal estate partner specialized in civil servant housing solutions. Located at 2 rue Kellermann, 59100 Roubaix.
• iadminorStrategic or Co-development PartnerReal estate network partner with independent agents. Located at 1 Allée de la Ferme de Varatre, 77127 Lieusaint.
• HemeaminorStrategic or Co-development PartnerRenovation management platform partner. Located at 7 Rue Broca, 75005 Paris.
• CautioneominorChannel Partner/ Reseller/ DistributorGuarantee and surety partner for real estate loans. Located at 165 avenue de Bretagne, 59000 Lille.
• OctoberminorChannel Partner/ Reseller/ DistributorProfessional lending platform for business financing. Located at 94 rue de la Victoire, 75009 Paris.
• CréditliftminorChannel Partner/ Reseller/ DistributorSpecialized lender for automotive and equipment financing. Located at 1 Rue Victor Basch, 91300 Massy.
• Crédit Mutuel ArkéacoreChannel Partner/ Reseller/ DistributorMajor French banking group offering comprehensive lending products. Located at 1 rue Louis Lichou, 29480 Le Relecq-Kerhuon.
• Banque BCPminorChannel Partner/ Reseller/ DistributorBanking partner. Located at 6 rue Hérold, 75001 Paris.
• UCIminorChannel Partner/ Reseller/ DistributorInternational financing partner. Located at Avenida Engenheiro Duarte Pacheco, Amoreiras, Torre 1, 14º Piso, 1070-101 Lisboa (Lisbonne), Portugal.
• SygmaminorChannel Partner/ Reseller/ DistributorBanking partner (BNP Paribas subsidiary). Located at 1 Boulevard Haussmann, 75009 Paris.
• Société Générale (SG)coreChannel Partner/ Reseller/ DistributorOne of France's largest banks, providing mortgage and consumer lending products through the IN&FI network. Located at 29 boulevard Haussmann, 75009 Paris.
• My Money BankcoreChannel Partner/ Reseller/ DistributorBanking partner offering consumer and mortgage credit. Located at Tour Europlaza, 20 avenue André Prothin, 92063 Paris La Défense Cedex.
• LCLcoreChannel Partner/ Reseller/ DistributorMajor French retail bank (Le Crédit Lyonnais), providing credit products. Located at 18 rue de la République, 69002 Lyon.
• La Banque PostalecoreChannel Partner/ Reseller/ DistributorState-backed banking group offering mortgage and consumer lending. Located at 115 rue de Sèvres, 75275 Paris Cedex 06.
• CCF (HSBC France)minorChannel Partner/ Reseller/ DistributorPrivate banking partner (formerly HSBC France). Located at 103 rue de Grenelle, 75007 Paris.
• Crédit MutuelcoreChannel Partner/ Reseller/ DistributorMajor French cooperative banking group offering full range of credit products. Located at 88-90 rue Cardinet, 75017 Paris.
• Banque Delubac & CieminorChannel Partner/ Reseller/ DistributorIndependent banking partner. Located at 10 Rue Roquépine, 75008 Paris.
• Crédit AgricolecoreChannel Partner/ Reseller/ DistributorFrance's largest banking group by assets, providing mortgage, consumer, and professional loans through regional Caisses. Located at 12 place des États-Unis, 92127 Montrouge Cedex.
• CreatiscoreChannel Partner/ Reseller/ DistributorConsumer credit specialist. Located at 61 avenue Halley – Parc de la Haute Borne, 59650 Villeneuve d'Ascq.
• CGI (Cofinoga)coreChannel Partner/ Reseller/ DistributorConsumer credit brand (Cofinoga) offering personal loans and revolving credit. Located at 69 Avenue de Flandre, 59700 Marcq-en-Barœul.
• CFCALminorChannel Partner/ Reseller/ DistributorConsumer finance company partner. Located at 1 rue du Dôme, 67000 Strasbourg.
• CetelemcoreChannel Partner/ Reseller/ DistributorBNP Paribas subsidiary and major consumer credit brand. Located at 1 Boulevard Haussmann, 75009 Paris.
• La Banque Postale Leasing & FactoringminorChannel Partner/ Reseller/ DistributorLeasing and factoring subsidiary of La Banque Postale for professional clients. Located at 3 Esplanade du Foncet, 92130 Issy-les-Moulineaux.
• BNP ParibascoreChannel Partner/ Reseller/ DistributorFrance's largest bank by market capitalization, offering comprehensive mortgage and consumer lending. Located at 16 Boulevard des Italiens, 75009 Paris.
• Banque PopulairecoreChannel Partner/ Reseller/ DistributorFrench cooperative banking group (BPCE network) offering full range of credit products. Located at 50 avenue Mendes France, 75201 Paris Cedex 13.
• Banco SabadellminorChannel Partner/ Reseller/ DistributorSpanish banking partner. Located at 7 Boulevard Haussmann, 75009 Paris.
• Caisse d'épargnecoreChannel Partner/ Reseller/ DistributorFrench regional savings bank (BPCE network) offering mortgage and consumer credit. Located at 50 avenue Mendes France, 75201 Paris Cedex 13.

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• BNP Paribas: France's largest bank by market cap and a Core IN&FI partner. Competes for the same mortgage and consumer credit customers via direct channels while supplying loan products through the broker network.
• Crédit Agricole: France's largest banking group by assets and a Core IN&FI partner. Serves the same retail and professional credit customers via its Caisses régionales while supplying product through the broker.
• Cofidis: Major French consumer credit subsidiary ( Crédit Mutuel group) and a listed IN&FI partner. Overlaps in consumer credit and consolidation while also being a bank partner, making it both competitor and supplier.

Direct peers

• Meilleurtaux: French broker specializing in mortgage, loan consolidation, and insurance intermediation, with both physical branches and digital channels. Direct competitor across IN&FI's core product lines.
• Cafpi: One of France's largest mortgage broker networks, intermediating between borrowers and partner banks across mortgage, consolidation, and consumer credit. Highly comparable in distribution model and product mix.
• Vousfinancer: French mortgage and credit broker network operating a franchise model across France, with a comparable multi-product offering (mortgage, consolidation, professional, consumer) and bank partnership-driven revenue model. Direct head-to-head competitor for borrowers in the same segments.
• Ace Crédit: French consumer and mortgage credit broker with a network of local agencies. Comparable target customer base (individuals and professionals) and similar reliance on partner bank commissions.
• Younited Credit: Online consumer and professional credit platform that operates both as a direct lender and as a partner bank to IN&FI. Comparable in product scope and overlaps in customer segments.
• Empruntis: French online and branch-based mortgage and credit broker. Direct competitor for mortgage and consolidation customers across France.

Emerging players

• Pretto: Digital-first French mortgage broker offering online comparison and human advisor support without a franchise footprint. Represents the emerging digital model competing against IN&FI's agency-led approach.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/in_and_fi
• Facebookfacebook.com/InandFiCredits

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 IN&FI Crédits