Excelium Finance
Excelium Finance is a French mortgage and insurance brokerage (IOBSP) based in Strasbourg that intermediates loans for individual borrowers across a network of 118+ partner banks and insurers, earning transaction commissions on originated credit and insurance.
- Company typePrivate
- Founded2006
- HeadquartersIllkirch-graffenstaden, France
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Excelium Finance does
Excelium Finance is a French mortgage and credit brokerage (courtier en crédit immobilier) headquartered in Illkirch-Graffenstaden near Strasbourg, operating as a privately held SASU since approximately 2006. The company functions as an Intermédiaire en Opérations de Banque et en Services de Paiement (IOBSP) and Courtier en Assurance, registered with ORIAS under number 12067382 and supervised by the ACPR. Its core service is to intermediate between French individual borrowers and a network of 118+ partner banks and insurance companies, negotiating loan terms, insurance products (assurance emprunteur), debt consolidation (regroupement de créedits), and tax-advantaged real estate investment schemes (Pinel, etc.) on the client's behalf.
The platform is web-based and built around a multi-step online rate comparator (comparateur de taux en ligne, 23 steps) that captures borrower profile, financial position, and project parameters, then routes prospects to local Excelium Finance advisors. The advisor layer operates through physical proximity agencies rather than call centers, handling the full lifecycle from financial analysis through notary signature. The product suite also includes 10+ financial calculators (credit immobilier, PTZ+, Pinel, prêt in fine, lissage, capacité d'emprunt, caution Crédit Logement, imposition des plus-values, optimisation de l'épargne) used as pre-sale engagement and lead-qualification tools. No proprietary technology stack, APIs, or AI/ML capabilities are disclosed.
The business model is transaction-based: services are free and without obligation for borrowers, with revenue generated entirely from commissions paid by partner banks and insurance companies upon loan origination. Commission is capped at 1% of the loan amount with a ceiling of €1,500–€3,000 per file depending on credit type. The customer mix is fragmented across individual homebuyers, over-indebted borrowers seeking consolidation, and tax-conscious real estate investors, primarily in the Strasbourg/Grand Est region. The 118+ partner network is diversified — no single partner exceeded one-third of revenue in 2017 — and the company reports 87% client satisfaction and 95% recommendation rates. There is no external investment, no headcount disclosed, and no expansion or M&A signals in the source data.
Excelium Finance firmographics
Firmographics- Name
- Excelium Finance
- Legal name
- SASU Excelium Finance
- Website
- https://exceliumfinance.fr
- Company type
- Private
- Founded year
- 2006
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Excelium Finance is a French mortgage and insurance brokerage (IOBSP) based in Strasbourg that intermediates loans for individual borrowers across a network of 118+ partner banks and insurers, earning transaction commissions on originated credit and insurance.
- Ownership category
- akta.pro rank
Excelium Finance industry classification
Industry- Product category
- Mortgage Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)
- akta.pro primary industry
- Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)
Keywords
Where Excelium Finance is headquartered
LocationHeadquarters
- HQ city
- Illkirch-graffenstaden
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Excelium Finance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Others
Revenue model
- Commission from banking institutions (IOBSP): Excelium Finance acts as an intermediary in banking operations (IOBSP – Intermédiaire en Opérations de Banque et en Services de Paiement). When a credit is granted by a partner bank, the bank pays Excelium Finance a commission. The maximum commission rate is 1% of the loan amount with a ceiling of 1,500–3,000 euros depending on the credit type. This is a transaction-based revenue model where the company earns a one-time fee per loan originated.
- Insurance brokerage commission: As a Courtier en Assurance (Insurance Broker), Excelium Finance earns commissions from insurance companies when borrowers purchase insurance products (assurance emprunteur) through the brokerage. These commissions are part of the overall intermediary revenue model, placing insurance products from partner insurers alongside the banking products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Multi-year contract | Free for borrowers — bank-paid commission model |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels3 records
Excelium Finance product offering
Product offeringCore offering
Excelium Finance is a French mortgage and insurance brokerage firm that acts as an independent intermediary (IOBSP and Courtier en Assurance) between individual borrowers and a network of 118+ partner banks and insurance companies. Its core offering covers mortgage loan brokerage (crédit immobilier), borrower insurance brokerage (assurance prêt immobilier, including insurance delegation under the Lagarde Law), loan consolidation (regroupement de crédits), and real estate tax optimization (défiscalisation including Pinel). Services are free for borrowers, with revenue generated through commissions paid by partner banks and insurance companies on closed transactions.
Product overview
Excelium Finance is a mortgage brokerage company (courtier en crédit immobilier) offering a suite of financial products and online calculation tools. The core offering includes mortgage loans (crédit immobilier), loan insurance (assurance prêt immobilier), credit consolidation (regroupement de crédits), and tax optimization services (défiscalisation). The company provides access to over 118 partner banks and insurance companies. The product portfolio includes 10+ online calculators and simulators covering mortgage calculations, refinancing, PTZ+ eligibility, Pinel tax reduction, in-fine loans, loan smoothing, borrowing capacity, and capital gains tax calculations, all integrated into a unified online rate comparison platform.
Differentiator
Problem solved
Functional benefit
Products and services
- Crédit immobilier (Mortgage loan brokerage) Mortgage loan brokerage service for French individual borrowers financing the acquisition of residential property (new build, older property, or land plus construction), including primary residence, secondary/holiday residence, and investment property. The service connects clients with over 118 partner banks to negotiate the lowest available interest rates, with current displayed best rates of 3.10% over 15 years, 3.30% over 20 years, and 3.45% over 25 years.
- Assurance prêt immobilier (Borrower insurance brokerage) Insurance brokerage service for borrower insurance (assurance emprunteur), covering death, PTIA (loss of irreversible autonomy), IPT (total permanent disability), IPP (partial permanent disability), and ITT (temporary total disability) coverages. The service supports insurance delegation under the Lagarde Law and Loi Hamon, enabling borrowers to select insurance outside their lending bank to reduce total financing cost (insurance can represent 10–30% of total financing cost).
- Regroupement de crédits (Loan consolidation) Debt consolidation service that combines multiple existing loans and outstanding debts into a single loan with one monthly payment, potentially reducing the monthly payment burden by up to 60%. Available to both tenants (regroupement locataire) and property owners (regroupement propriétaire). Also designed to prevent over-indebtedness and avoid FICP (Fichier des Incidents de remboursement des Crédits aux Particuliers, Banque de France) registration.
- Défiscalisation (Real estate tax optimization) Tax optimization advisory and financing service for French taxpayers using real estate investment to reduce income tax burden. Covers the Pinel law scheme (up to 21% tax reduction over 12 years), Censi-Bouvard, and other tax-advantaged investment vehicles, including investment in new-build real estate (investir dans l'immobilier neuf).
Quantifiable outcome
- 87% of clients declare themselves satisfied with services; 95% are ready to recommend the company to their close ones (statistics from experience since 2006)
- +4 more outcomes
Companies that use Excelium Finance
Customer profileNamed customers20 records
Segments3 records
Ideal customer profiles3 records
Excelium Finance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Excelium Finance partnerships and signals
Strategic signalPartnerships
22 partnerships are on record, tiered major and core.
- BNP ParibasmajorBNP Paribas is one of the 118+ banking partners in the Excelium Finance network. The bank provides mortgage loan products to clients forwarded by Excelium Finance advisors, competing for loan origination on rate and terms.
- Crédit MutuelmajorPart of the 118+ banking partner network. Crédit Mutuel provides loan products to Excelium Finance clients.
- Crédit AgricolemajorPart of the 118+ banking partner network. Crédit Agricole provides loan products to Excelium Finance clients.
- Société GénéralemajorPart of the 118+ banking partner network. Société Générale provides loan products to Excelium Finance clients.
- CICmajorPart of the 118+ banking partner network.
- Caisse d'ÉpargnemajorPart of the 118+ banking partner network.
- Banque PopulairemajorPart of the 118+ banking partner network.
- LCLmajorPart of the 118+ banking partner network.
- AXAmajorAXA appears both as a banking partner (AXA Banque) and insurance partner. As a key insurance partner, AXA provides assurance emprunteur (borrower insurance) products to Excelium Finance clients.
- AXA BanquemajorPart of the 118+ banking partner network.
- AprilcoreInsurance partner providing assurance emprunteur products to Excelium Finance clients.
- Swiss LifecoreInsurance partner providing assurance emprunteur products to Excelium Finance clients.
- CardiffcoreInsurance partner (Credit Life specialist) providing assurance emprunteur products.
- BarclaysmajorPart of the 118+ banking partner network.
- Crédit FonciermajorPart of the 118+ banking partner network, with specific expertise in subsidized and social lending products.
- Banque KolbmajorPart of the 118+ banking partner network. Regional bank based in Alsace.
- BPEcoreBanque Pelletier — part of the 118+ banking partner network.
- Crédit du NordmajorPart of the 118+ banking partner network.
- AFI ESCAcoreInsurance partner providing specialized insurance products.
- e.LCLmajorPart of the 118+ banking partner network.
- BONAPARTE PROMOTIONcoreBONAPARTE PROMOTION is a property developer with whom Excelium Finance has a formal partnership for financing investment real estate transactions. Excelium Finance acts as the Courtier-IOBSP for buyers acquiring properties from BONAPARTE PROMOTION, providing the mortgage financing component of the transaction. This represents a co-development/co-selling arrangement where the developer refers buyers to Excelium Finance for financing.
- AIGmajorProfessional Liability Insurance (RC Pro) provider for Excelium Finance. The company's RC Pro (Responsabilité Civile Professionnelle) policy is underwritten by AIG under Police n°2.400.289.
Scale indicators6 records
Recent moves5 records
Expansion highlights3 records
Excelium Finance competitors and assessment
Company assessmentDirect peers
- Empruntis: Historical French mortgage broker with online rate comparison and partner-bank intermediation. Comparable as a broker connecting borrowers with banking partners for mortgage and refinancing products.
- Pretto: Digital-first French mortgage broker that streamlines the credit process end-to-end. Directly comparable as a mortgage intermediary and the pure-digital competitor that Excelium's hybrid model is built to defend against.
- Cafpi: Established French mortgage broker (courtier) with a national presence and online comparison tool. Comparable as a long-standing independent mortgage intermediary serving individual homebuyers and refinancers.
- Meilleurtaux: Largest French mortgage and insurance broker with a national network of partner banks and local agencies. Most directly comparable to Excelium in business model (courtier en crédit immobilier), product breadth, and hybrid digital-plus-advisor distribution.
- Ace Crédit: French broker specializing in credit consolidation (rachat de crédits) and mortgage brokerage. Comparable as a multi-product broker with overlapping offerings in loan consolidation and refinancing.
- BoursedesCrédits: French online credit broker and comparison platform for mortgage, consolidation, and consumer loans. Directly comparable as a digital-first credit intermediary.
- Vousfinancer: Major French mortgage broker with a multi-branch agency network and partner-bank intermediation model. Directly comparable in offering the same core mortgage brokerage services with both online and physical advisor channels.
Emerging players
- Younited Credit: French consumer-credit marketplace aggregating multiple lenders for personal loans and credit consolidation. Comparable in intermediating borrowers and lenders in the French credit market, with adjacent product overlap.
Broad incumbents
- BNP Paribas: One of the largest French banks and a partner in Excelium's network. Comparable as a mortgage originator and broader retail banking incumbent that competes with brokers by offering direct in-house mortgage and insurance products.
- Crédit Mutuel: Major French mutual bank that both supplies loan products through Excelium's broker network and competes with brokers via its own in-branch mortgage origination. Comparable as a bank incumbent in the same French mortgage market.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Excelium Finance social profiles
Digital presenceExcelium Finance compliance and trust
Trust signalCompliance4 records
Excelium Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Excelium Finance leadership team
Management profileNumber of profiles
Profiles1 record
Excelium Finance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Excelium Finance 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 Excelium Finance
What does Excelium Finance do?
Excelium Finance is a French mortgage and insurance brokerage firm that acts as an independent intermediary (IOBSP and Courtier en Assurance) between individual borrowers and a network of 118+ partner banks and insurance companies. Its core offering covers mortgage loan brokerage (crédit immobilier), borrower insurance brokerage (assurance prêt immobilier, including insurance delegation under the Lagarde Law), loan consolidation (regroupement de crédits), and real estate tax optimization (défiscalisation including Pinel). Services are free for borrowers, with revenue generated through commissions paid by partner banks and insurance companies on closed transactions.
Is Excelium Finance a public or private company?
Excelium Finance is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Excelium Finance founded?
Excelium Finance was founded in 2006. It employs 1 to 10 people.
Where is Excelium Finance based?
Excelium Finance is headquartered in Illkirch-graffenstaden, France, in the Europe region.
How does Excelium Finance make money?
Two revenue lines are on record. Commission from banking institutions (IOBSP) is the primary driver. The others are insurance brokerage commission.
Who are Excelium Finance's main competitors?
Direct peers on record are Empruntis, Pretto, Cafpi, Meilleurtaux, Ace Crédit, BoursedesCrédits and Vousfinancer. Younited Credit is listed as an emerging player. Broad incumbents are BNP Paribas and Crédit Mutuel.
Does Excelium Finance have an API?
No public API is recorded for Excelium Finance.
What industry is Excelium Finance in?
Excelium Finance's product category is Mortgage Brokerage. Its primary akta.pro industry code is FSAEAEAH, Hard Money & Private Mortgage Lending Intermediation. Its NAICS code is 52231 and its SIC code is 6162.