What ASF Consulting does

ASF Consulting is a French independent financial intermediary (courtier), founded in 2009 and headquartered in Olivet (Orléans metropolitan area), that structures leasing and credit-bail arrangements for professional equipment across five verticals: IT/digital, retail and grande distribution, medical/healthcare, industrial/BTP, and software publishers. The company operates under ORIAS registration 14006691 as both a mandataire d'intermédiaire d'assurance (MIA) and mandataire d'intermédiaire en opérations de banque et en services de paiement (MIOBSP), and is supported by major French banking institutions that provide the underlying funding for its financed assets. Its commercial offer is organized around three flagship solutions — Leasing As A Service® (LAAS), which enables vendors to create their own captive financing capability; MoneySaaS®, a non-dilutive financing product that converts recurring SaaS subscription revenue into immediate cash flow for software publishers; and a set of sector-specific equipment financing lines for IT hardware, medical devices, retail equipment, and industrial vehicles. The supporting technology stack is centered on MyLeaseSpace, a proprietary digital portfolio tracking and electronic-signature platform, and an online scoring system that delivers financing agreements in principle within 48 hours.

The business model is intermediation-based: ASF earns transaction fees and commissions from financial institutions and banking partners for each leasing or credit-bail arrangement it originates, plus structuring and management fees on MoneySaaS® facilities. Go-to-market is dual-track — a direct B2B sales motion handling enterprise accounts, and a channel-embedded model in which software publishers, IT integrators, medical equipment suppliers, and retail equipment providers integrate ASF financing into their own sales cycles, supplemented by an independent consultant network for SMB reach. Pricing is fully quote-based and tailored per project, with monthly rental payments adapted to client cash flow seasonality. The portfolio comprises €130M under management across 3,500 active contracts, with €50M+ in annual financing volume, served by 1-10 employees — a structure indicating lean operations where banking partners absorb funding risk while ASF captures origination and structuring economics. Named customers span 4CAD Group (10+ year strategic partner), T2 Technology, Intermarché (Émerainville franchise), and IVECO, illustrating multi-vertical diversification rather than reliance on a single anchor account.

Name

ASF Consulting

Legal name

ASF Consulting

Website

https://asfconsulting.fr

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Equipment Financing & Leasing Services

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Sales Financing (52222)

SIC

Loan Brokers (6163), Finance Lessors (6172)

akta.pro primary industry

Equipment & Asset Finance Brokerage (FSAEAEAJ)

akta.pro secondary industry

Revenue-Based Financing (RBF) Providers (FSANAIAF)

Keywords

• Equipment leasing services
• Software financing solutions
• Financial intermediation brokerage
• SaaS subscription financing
• Professional equipment leasing

Headquarters

HQ city

Orléans

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Leasing and Financial Intermediation: ASF Consulting acts as a financial intermediary (courtier) in professional equipment financing. Revenue is generated through intermediary fees and commissions from financial institutions and banking partners. The company structures leasing, rental financing, and credit-bail arrangements for IT equipment, medical devices, industrial machinery, and retail equipment.
2. MoneySaaS® Non-Dilutive Financing: Proprietary financing solution enabling software publishers to convert recurring subscriptions into immediate cash flow. ASF earns fees for structuring and managing these financing arrangements.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

ASF Consulting operates as an independent financial intermediary (courtier) that arranges leasing, rental financing, and credit-bail arrangements for professional equipment across IT, software, medical, retail, and industrial sectors in France. The company structures financing solutions through a network of banking partners, charging intermediary fees and commissions, and operates proprietary offerings including the Leasing As A Service® (LAAS) captive financing model and MoneySaaS® non-dilutive financing for software publishers. It serves businesses seeking to transform capital expenditures into predictable operational costs.

Product overview

ASF Consulting operates as a financial services company offering a portfolio of specialized financing and leasing solutions rather than a unified technology platform. The core offerings include Leasing As A Service® (LAAS) for captive financing creation, MoneySaaS® for non-dilutive software publisher financing, and sector-specific equipment financing (IT hardware, professional software, medical equipment, retail/GMS, and industrial/BTP/vehicles). MyLeaseSpace serves as a digital tracking platform for lease management. These products function as complementary financial service lines rather than an integrated software platform architecture.

Differentiator

Problem solved

Functional benefit

Brands

• MoneySaaS®: Non-dilutive financing solution dedicated to software publishers, transforming recurring revenue into immediate cash flow.
• Leasing as a Service® (LAAS®)
• MyLeaseSpace

Products and services

• Leasing As A Service® (LAAS)

Quantifiable outcome

• 130 M€ portfolio under management with 3,500 active contracts
• +2 more outcomes

Named customers3 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

Feature3 records

Partnerships

Three partnerships are on record, tiered core.

• 4CAD GroupcoreChannel Partner/ Reseller/ DistributorLong-term strategic partnership (10+ years) where 4CAD Group integrates ASF's software financing solutions into their CAD/software sales offerings. ASF enables 4CAD to offer flexible payment options to their customers, accelerating sales cycles.
• T2 TechnologycoreChannel Partner/ Reseller/ DistributorTwo-year partnership where T2 Technology leverages ASF's equipment financing solutions to support their technology clients' purchasing decisions. The partnership has expanded significantly due to ASF's reliability and responsiveness.
• IntermarchécoreChannel Partner/ Reseller/ DistributorIntermarché franchisee Pierre Ekmen worked with ASF to finance complete store remodeling, including refrigeration units, electronic labels, and shelving for the FabMag concept store in Émerainville.

Scale indicators4 records

Recent moves1 record

Expansion highlights5 records

Emerging players

• Stripe Capital: Embedded financing offering within Stripe's payments platform, providing SaaS and platform businesses with capital advances against future revenue. Comparable in concept to ASF's embedded financing approach but at vastly greater scale.
• Leasex (Lombard Odier-backed): Fintech offering equipment financing and leasing marketplace services. Comparable to ASF in connecting SMEs with equipment financing, with an emphasis on digital onboarding.
• Capchase: US-based fintech offering non-dilutive financing to SaaS companies against recurring revenue. Closest functional analog to ASF's MoneySaaS® product, though operating in a different geography and at venture-backed scale.
• Clearco: Revenue-based financing provider for SaaS and e-commerce businesses. Conceptually comparable to ASF's MoneySaaS® solution in structuring advances against recurring revenue, though focused on North American SMBs.

Broad incumbents

• Société Générale Equipment Finance: Equipment and vendor finance division of Société Générale providing leasing solutions for IT, medical, industrial and transport equipment. Comparable to ASF's core offering but with the scale and balance sheet of a tier-1 French bank.
• BPCE Lease: Leasing subsidiary of Groupe BPCE (Banque Populaire / Caisse d'Epargne), offering equipment leasing and finance to French SMEs and corporates. Directly competes with ASF in the French SME equipment financing segment.
• Crédit Agricole Leasing & Factoring: Equipment finance and factoring arm of Crédit Agricole, providing leasing solutions to corporate and SME clients across France. Overlaps with ASF's customer base and product set, particularly in IT, medical, and industrial equipment.
• BNP Paribas Leasing Solutions: The equipment finance arm of one of France's largest banks, offering leasing and equipment financing across verticals. Direct competitor to ASF in the French market, but operates as part of a much larger banking group with broader geographic reach.

Regional players

• Fraikin: France-based provider of commercial vehicle and fleet leasing solutions. Comparable to ASF in the BTP/roulant segment of equipment financing but specialized exclusively in commercial vehicle fleets.

Others

• Pipe (now Maximus):

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/asf-consulting/?originalSubdomain=fr
• Xx.com/asfconsulting1

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 ASF Consulting