CAP CREDIT
Cap Crédit is a Lyon-based French credit brokerage firm founded in 2006, serving individuals and small business owners across the Auvergne-Rhône-Alpes region with mortgage, professional, and insurance financing intermediation through four branch offices.
- Company typePrivate
- Founded2006
- HeadquartersLyon, France
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What CAP CREDIT does
Cap Crédit Groupe Artémis Courtage is a privately held credit brokerage firm founded in 2006 by Cédric Jouan and headquartered in Lyon, France. The company operates as an intermediary (courtier en crédits) between clients seeking financing and a network of banking partner institutions, earning commissions on successfully facilitated loans. Its core service portfolio spans four product lines: real estate financing (primary residence, rental investments, secondary homes, student apartments), professional project financing (equipment and working capital), borrower insurance studies (assurance de prêt), and credit consolidation (regroupement de crédits).
The firm delivers services through four physical agencies across the Auvergne-Rhône-Alpes region (Lyon, Marcy L'Étoile, Roanne, and Bourgoin Jallieu), supported by a team of approximately 14 specialized brokers. Distribution is primarily sales-led, leveraging a digital presence via Facebook, LinkedIn, and Instagram, plus client referrals and word-of-mouth. As of January 2024, Cap Crédit operates as a franchisee under the Artémis Courtage brand, which provides access to extended network resources. The company is co-managed by three Gérants—Cédric Jouan (founder), François Pichat (joined 2017), and Vincent Blanchardon (joined 2023)—and holds ORIAS registration (12068812) as a regulated French credit broker. No proprietary technology, AI capabilities, or external investment are disclosed.
CAP CREDIT firmographics
Firmographics- Name
- CAP CREDIT
- Legal name
- Cap Crédit Groupe Artémis Courtage
- Website
- https://capcredit.fr
- Company type
- Private
- Founded year
- 2006
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Cap Crédit is a Lyon-based French credit brokerage firm founded in 2006, serving individuals and small business owners across the Auvergne-Rhône-Alpes region with mortgage, professional, and insurance financing intermediation through four branch offices.
- Ownership category
- akta.pro rank
CAP CREDIT industry classification
Industry- Product category
- Credit Brokerage
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Debt Consolidation & Credit Card Balance Transfer Intermediation (FSAEAEAN)
Keywords
Where CAP CREDIT is headquartered
LocationHeadquarters
- HQ city
- Lyon
- HQ country
- France
- HQ region
- Europe
Offices4 records
Markets served
CAP CREDIT business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Brokerage Commissions: Cap Crédit operates as a credit broker (courtier en crédits) earning commissions from banking partners for facilitating mortgage loans, professional financing, and insurance products for clients. The company acts as an intermediary between clients seeking financing and banks providing loans.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Quote-based personalized pricing |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
CAP CREDIT product offering
Product offeringCore offering
CAP CREDIT is a Lyon-based credit brokerage firm that acts as an intermediary between borrowers and partner banks and insurance companies. It provides personalized assistance for real estate financing, professional project financing, borrower loan insurance, and credit consolidation/debt restructuring for individual and professional clients.
Product overview
Cap Crédit is a credit brokerage firm offering a unified portfolio of financing services through four physical agency locations. The core offerings include real estate project financing (primary residence, rental property, secondary residence, student apartments), professional project financing (equipment, working capital), loan insurance studies, and credit consolidation. Services are delivered by experienced brokers through a network of bank partnerships. The company operates under the Artémis Courtage franchise umbrella since January 2024.
Differentiator
Problem solved
Functional benefit
Products and services
- Real Estate Project Financing
Quantifiable outcome
- 482 Google Reviews with 5-star average rating demonstrating high client satisfaction
Companies that use CAP CREDIT
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
CAP CREDIT technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
CAP CREDIT partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Artémis CourtagecoreSince January 1, 2024, Cap Crédit has been affiliated with the Artémis Courtage franchise. This strategic partnership enables Cap Crédit to expand its service offerings and continue growth in the financing sector while benefiting from the franchise's resources and network.
Scale indicators3 records
Recent moves7 records
Expansion highlights4 records
CAP CREDIT competitors and assessment
Company assessmentDirect peers
- Vousfinancer: Vousfinancer is a French mortgage broker network with multiple agencies offering residential financing, regroupements de crédits, and insurance. It shares the same broker-intermediary model and target customer segments (real estate buyers, professionals) as Cap Crédit.
- Meilleurtaux: Meilleurtaux is a major French mortgage and loan broker combining online comparison with an agency network, offering mortgage brokerage, regroupements de crédits, and insurance intermediation. It overlaps directly with Cap Crédit's product portfolio and customer base.
- Immoprêt: Immoprêt is a French mortgage brokerage firm with a multi-agency presence offering residential loan brokerage and insurance intermediation. Directly comparable to Cap Crédit in business model, product scope, and regional agency-based distribution.
- Pretto: Pretto is a French online-first mortgage broker that pairs a digital platform with in-person advisor support. It targets the same residential financing customers as Cap Crédit and represents an alternative distribution model for the same underlying loan intermediation service.
- CAFPI: CAFPI is one of France's largest mortgage brokerage networks with a nationwide agency footprint offering residential, professional, and debt consolidation financing intermediation. Directly comparable offering to Cap Crédit but at much greater scale and geographic reach.
- Credixio / ACE Crédit: ACE Crédit is a French credit brokerage franchise focused on regroupements de crédits and mortgage intermediation, with a national network. Its credit-consolidation and professional financing offering overlap materially with Cap Crédit's debt consolidation and professional project products.
- Artémis Courtage: Artémis Courtage is the French mortgage and loan brokerage franchise network that Cap Crédit joined in January 2024. It operates the same brokerage model across multiple franchisees, with overlapping product set (mortgage, professional, insurance) and shared brand/system infrastructure.
Emerging players
- Younited Credit: Younited Credit is a French licensed consumer credit platform offering personal loans, debt consolidation, and online credit intermediation. It competes for the same consumer-credit customers as Cap Crédit's debt consolidation business but via a fully digital model without agency presence.
Broad incumbents
- Boursorama Banque: Boursorama Banque is a major French online bank owned by Société Générale offering mortgage lending alongside a broad retail banking product suite. It competes with broker-facilitated originations by offering direct mortgage origination to the same French retail customers.
- Crédit Mutuel Arkéa (including Fortuneo): Crédit Mutuel Arkéa is a major French cooperative banking group whose Fortuneo brand offers direct online mortgage origination. As one of the bank counterparties in Cap Crédit's intermediary model, it is a relevant comparable as an end-to-end alternative distribution channel.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights5 records
Customer concentration
CAP CREDIT social profiles
Digital presenceCAP CREDIT financial estimates
Financial estimateRevenue estimate
Valuation estimate
CAP CREDIT leadership team
Management profileNumber of profiles
Profiles3 records
CAP CREDIT funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CAP CREDIT 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 CAP CREDIT
What does CAP CREDIT do?
CAP CREDIT is a Lyon-based credit brokerage firm that acts as an intermediary between borrowers and partner banks and insurance companies. It provides personalized assistance for real estate financing, professional project financing, borrower loan insurance, and credit consolidation/debt restructuring for individual and professional clients.
Is CAP CREDIT a public or private company?
CAP CREDIT is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was CAP CREDIT founded?
CAP CREDIT was founded in 2006. It employs 11 to 50 people.
Where is CAP CREDIT based?
CAP CREDIT is headquartered in Lyon, France, in the Europe region.
How does CAP CREDIT make money?
One revenue line is on record: brokerage Commissions.
Who are CAP CREDIT's main competitors?
Direct peers on record are Vousfinancer, Meilleurtaux, Immoprêt, Pretto, CAFPI, Credixio / ACE Crédit and Artémis Courtage. Younited Credit is listed as an emerging player. Broad incumbents are Boursorama Banque and Crédit Mutuel Arkéa (including Fortuneo).
Does CAP CREDIT have an API?
No public API is recorded for CAP CREDIT.
What industry is CAP CREDIT in?
CAP CREDIT's product category is Credit Brokerage. Its primary akta.pro industry code is FSAEAEAN, Debt Consolidation & Credit Card Balance Transfer Intermediation. Its NAICS code is 5223 and its SIC code is 6163.