e -PRÉMIO
- Company typePrivate
- Founded2017
- HeadquartersAmiens, France
- Headcount51–100
- GTM typeB2B
- OfferingServices
What e -PRÉMIO does
e-PRÉMIO is a French B2B web portal operating in credit and insurance intermediation, owned by CREDIGO SARL (a financial intermediary registered with ORIAS as N°11059119). The platform connects financial intermediaries — including IOBSP/MIOBSP brokers, insurance brokers, CGPI wealth advisors, and mortgage brokers — with a network of specialized banking partners offering credit consolidation, consumer credit, professional credit, mortgage-backed treasury loans, mortgage loans, and borrower insurance. Partners access the service through a free extranet portal featuring eligibility simulators, dynamic data-entry forms, dematerialized dossier transmission, and real-time tracking dashboards.
The technology stack is a web-based extranet with simulation algorithms, dynamic form processing, and real-time dashboard tracking for financing dossier management. Proprietary features include an eligibility simulator, a dynamic form system, a real-time dashboard, and an algorithmic loan optimization engine that matches client profiles to optimal loan products and rates. The core lending, underwriting, and capital provision are delegated to the partner banks (My Money Bank, SYGMA BNPPPF, CGI, CREATIS, CA Consumer Finance, COFIDIS, YOUNITED, Crédit Municipal institutions), while e-PRÉMIO acts as the intermediary layer.
Revenue is generated exclusively through transaction-based commissions on completed financing dossiers. Partners access the platform at no cost (no entry fees, subscriptions, or royalties) and earn tiered commissions based on dossier completion: 30% for lead referrals, 50% for complete but un-reviewed dossiers, and 100% for complete and reviewed dossiers. Additional commission structures apply to consumer credit (up to 1.84% of financing amount), professional credit (30%), and loan insurance (80% of first-year commission). The company employs 51-100 staff and is headquartered in Glisy, Amiens, France.
e -PRÉMIO firmographics
Firmographics- Name
- e -PRÉMIO
- Legal name
- CREDIGO
- Website
- https://e-premio.fr
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
Where e -PRÉMIO is headquartered
LocationHeadquarters
- HQ city
- Amiens
- HQ country
- France
- HQ region
- Europe
Offices2 records
Markets served
e -PRÉMIO business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Others
Revenue model
- Commission on Credit Consolidation (Rachat de crédits): Partners receive commission based on dossier completion level. Lead referrals receive 30%, complete non-reviewed dossiers receive 50%, and complete reviewed dossiers receive 100% of the client mandate commission.
- Commission on Mortgage-Backed Treasury Loans (Prêt de Trésorerie Hypothécaire): Tiered commission structure: 30% for lead referrals with complete client coordinates, 50% for complete but non-reviewed dossiers, 100% for complete and reviewed dossiers.
- Commission on Consumer Credit (Prêt Personnel): Partners receive up to 1.84% of the financing amount for complete consumer credit form submissions.
- Commission on Professional Credit: Partners receive 30% of commission for professional credit applications submitted through the platform.
- Commission on Loan Insurance: Partners receive 80% of first-year commission for complete insurance simulation submissions, subject to MIA status and no early defaults.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Other | Free Partnership Access |
| Transaction based/ take rate | Pay-as-you-go | Business Lead Referral - 30% Commission |
| Transaction based/ take rate | Pay-as-you-go | Complete Dossier - Non Reviewed - 50% Commission |
| Transaction based/ take rate | Pay-as-you-go | Complete Dossier - Reviewed - 100% Commission |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
e -PRÉMIO product offering
Product offeringCore offering
e-PRÉMIO is a B2B web portal that operates as a credit and insurance intermediation platform, connecting financial intermediaries (IOBSP, MIOBSP, insurance brokers, CGPI advisors, mortgage brokers) with partner banks and insurance companies. The platform provides eligibility simulators, dynamic data entry forms, dematerialized dossier transmission, and real-time tracking dashboards, enabling partners to submit credit consolidation, consumer credit, professional credit, mortgage-backed treasury loans, mortgage loans, and borrower insurance applications.
Product overview
e-PRÉMIO is a B2B web portal for credit and insurance intermediation, operated by CREDIGO. The platform operates as a package-of-solutions model centered around loan consolidation (Rachat de crédits) as the primary offering, complemented by loan insurance (Assurance de prêt), consumer credit (Crédit à la consommation), professional credit (Crédit professionnel), secured liquidity loans (Prêt de trésorerie hypothécaire), and mortgage financing (Prêt Immobilier). Partners access the ecosystem through a dedicated Extranet portal offering eligibility simulators, dynamic forms, dematerialized dossier transmission, and real-time tracking dashboards. The company acts as an intermediary connecting credit professionals (IOBSP/MIOBSP) with partner banks including My Money Bank, BNP Paribas Personal Finance, CGI, CREATIS, CA Consumer Finance, COFIDIS, and Younited.
Differentiator
Problem solved
Functional benefit
Products and services
- Rachat de crédits (Credit Consolidation) Loan consolidation service that combines multiple existing credits (consumer, mortgage, professional) into a single monthly payment, allowing clients to optimize debt management and potentially free up additional funds for new projects.
- Assurance de prêt (Loan Insurance) Loan insurance comparator and subscription service enabling borrowers to compare and select borrower insurance contracts, with pricing tools and expert advisor support for real estate, consumer, and professional loans.
- Crédit professionnel (Professional Credit) Professional financing solutions for business creation, development, investment, cash flow needs, including factoring, documentary credit, equipment financing, and commercial real estate acquisition.
- Crédit à la consommation (Consumer Credit) Consumer credit for personal projects including vehicle purchases, home improvements, travel, and other personal expenses, with a fully digitized application process.
- Prêt de trésorerie hypothécaire (Mortgage-Backed Treasury Loan) Secured liquidity loan using real estate assets as collateral, enabling property owners to access funds for various personal or professional projects without selling their property.
- Prêt Immobilier (Mortgage Loan) Mortgage loan packaging service using algorithmic simulation to identify optimal mortgage products and rates for property purchases, including primary residence, secondary home, and investment properties.
- Extranet Partner Portal Web-based partner extranet providing eligibility simulators, dynamic data entry forms, dematerialized file transmission, real-time dashboard tracking, and training resources for network partners.
Companies that use e -PRÉMIO
Customer profileSegments5 records
Ideal customer profiles4 records
e -PRÉMIO technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
e -PRÉMIO partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core and flagship.
- My Money BankcoreBanking partner for credit consolidation and refinancing operations. Located at Tour Europlaza, Paris La Défense.
- SYGMA BNPPPFcoreBanking partner for credit consolidation operations. Located at 1 boulevard Haussmann, Paris.
- Compagnie Générale de Location d'Équipement (CGI)coreBanking partner for credit consolidation operations. Located in Marcq en Baroeul.
- CREATIScoreBanking partner for credit consolidation. Located at Parc de la Haute Borne, Villeneuve d'Ascq.
- CA Consumer Finance (CREDILIFT-SOFINCO-FINAREF)coreBanking partner for credit consolidation and consumer finance. Located in Evry.
- COFIDIScoreBanking partner for credit consolidation operations. Located at Parc de la Haute Borne, Villeneuve d'Ascq.
- YOUNITEDcoreBanking partner for credit consolidation. Located at 21 Rue de Châteaudun, Paris.
- Caisse de Crédit Municipal de TouloncoreBanking partner for credit consolidation operations. Located in Toulon.
- Caisse de Crédit Municipal de BordeauxcoreBanking partner for credit consolidation operations. Located in Bordeaux.
- CA CONSUMER FINANCE - CACF (SOFINCO-FINAREF)coreInsurance intermediary partner for borrower insurance. Located in Massy.
- BNP PARIBAS PERSONAL FINANCEcoreInsurance intermediary partner for borrower insurance. Located at 1 Boulevard Haussmann, Paris.
- CREDIGOflagshipParent company and brand owner of e-PRÉMIO. Provides the extranet platform, banking relationships, and regulatory framework. CREDIGO is an IOBSP intermediary with registered capital of 400,000 euros.
Scale indicators3 records
Recent moves6 records
Expansion highlights3 records
e -PRÉMIO competitors and assessment
Company assessmentDirect peers
- Pretto: Digital-first French mortgage broker using an algorithmic matching engine to route clients to partner banks. Comparable to e-PRÉMIO on the technology-mediated multi-bank intermediation model, though Pretto is consumer-facing rather than partner-intermediary focused.
- Vousfinancer: French mortgage and credit broker network operating an intermediation model with physical branches and partner bankers. Comparable to e-PRÉMIO as a multi-bank credit broker serving French consumers through intermediary relationships.
- Empruntis: Established French online mortgage broker comparison platform. Comparable to e-PRÉMIO in aggregating mortgage offers from multiple partner banks and serving borrowers via digital intermediation channels.
- BoursedesCrédits: French credit broker and comparison platform covering mortgage, consumer credit, and consolidation products. Comparable to e-PRÉMIO in product breadth across credit types and multi-bank intermediation positioning.
- Meilleurtaux: Leading French mortgage and credit broker operating a multi-bank intermediation platform across consumer, mortgage, and consolidation products. Highly comparable to e-PRÉMIO in core business model — aggregating partner-bank credit offers and serving end consumers via intermediary/broker channels.
- Magnolia: French broker specializing in credit consolidation (rachat de crédits) and mortgage-backed treasury loans — directly overlapping e-PRÉMIO's primary product (rachat de crédits) and operating under similar IOBSP regulatory framework.
- CyberPrêt: French online mortgage broker using algorithmic matching with partner banks. Comparable to e-PRÉMIO on the multi-bank routing and credit intermediation business model for French borrowers.
- Crédit Conseil de France: French intermediation network for credit consolidation and refinancing, operating a broker franchise model comparable to e-PRÉMIO's partner-intermediary GTM in the consolidation segment.
Broad incumbents
- Younited Credit: Major French consumer-credit lender operating both as a direct lender and as a bank partner for brokers including e-PRÉMIO. Included as a broad incumbent that operates across the value chain — both competing with and powering broker platforms like e-PRÉMIO.
Emerging players
- France Financement: Smaller French credit broker focused on consolidation and refinancing products. Comparable to e-PRÉMIO in niche focus on rachat de crédits with multi-bank intermediation, though smaller in scale and digital tooling.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
e -PRÉMIO social profiles
Digital presencee -PRÉMIO financial estimates
Financial estimateRevenue estimate
Valuation estimate
e -PRÉMIO leadership team
Management profileNumber of profiles
Profiles3 records
e -PRÉMIO funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
e -PRÉMIO M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about e -PRÉMIO
What does e -PRÉMIO do?
e-PRÉMIO is a B2B web portal that operates as a credit and insurance intermediation platform, connecting financial intermediaries (IOBSP, MIOBSP, insurance brokers, CGPI advisors, mortgage brokers) with partner banks and insurance companies. The platform provides eligibility simulators, dynamic data entry forms, dematerialized dossier transmission, and real-time tracking dashboards, enabling partners to submit credit consolidation, consumer credit, professional credit, mortgage-backed treasury loans, mortgage loans, and borrower insurance applications.
Is e -PRÉMIO a public or private company?
e -PRÉMIO is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was e -PRÉMIO founded?
e -PRÉMIO was founded in 2017. It employs 51 to 100 people.
Where is e -PRÉMIO based?
e -PRÉMIO is headquartered in Amiens, France, in the Europe region.
How does e -PRÉMIO make money?
Five revenue lines are on record. Commission on Credit Consolidation (Rachat de crédits) is the primary driver. The others are commission on Mortgage-Backed Treasury Loans (Prêt de Trésorerie Hypothécaire), commission on Consumer Credit (Prêt Personnel), commission on Professional Credit and commission on Loan Insurance.
Who are e -PRÉMIO's main competitors?
Direct peers on record are Pretto, Vousfinancer, Empruntis, BoursedesCrédits, Meilleurtaux, Magnolia, CyberPrêt and Crédit Conseil de France. Younited Credit is listed as a broad incumbent. France Financement is listed as an emerging player.
Does e -PRÉMIO have an API?
No public API is recorded for e -PRÉMIO.