CRÉDITRELAX

What CRÉDITRELAX does

CRÉDITRELAX is a French professional financing broker operating as SARL MANDIRI (RCS 483 113 213 PARIS), founded in 2005 and headquartered at 90 rue de la Victoire in the 9th arrondissement of Paris, with a secondary office in Toulouse. The firm acts as an intermediary between French borrowers — primarily franchise network candidates, artisans and merchants (bakeries, butchers, wine shops, kitchens, auto centers), liberal professions, and SMEs — and the full spectrum of French retail and institutional lenders, including BNP Paribas, Société Générale, Crédit Agricole, LCL, CIC, Crédit Mutuel, Banques Populaires, Caisses d'Épargne, BPI France, SIAGI, and Interfimo.

Its core service is feasibility analysis, dossier structuring, and bank negotiation for professional credit, fonds de commerce financing, and crédit-bail transactions. The offering is supported by a public loan simulator on the corporate website (calculating monthly payments, fees, and rates) but is otherwise delivered as a human-led, advisory-intensive service rather than a software platform. The firm is registered with ORIAS under number 08044925 and operates under RGPD-compliant data handling.

The business model is a success-fee brokerage: fees are earned on closed deals rather than via subscription or retainer, aligning the firm's economics with client outcomes. Go-to-market combines direct referral, partnership with complementary advisors (Mandari for real estate, Linkapital for corporate finance, Primo Finance for public grants), and event-led demand generation at franchise and retail-industry trade shows (MAPIC, Franchise Expo Paris). Founder Jean-Philippe Deltour's standing as a member of the Collège des Experts de la Fédération Française de la Franchise anchors the firm's specialist positioning in the franchise vertical.

Name

CRÉDITRELAX

Legal name

SARL MANDIRI

Website

https://creditrelax.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Commercial Lending Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163)

akta.pro primary industry

Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)

Keywords

• Professional credit brokerage
• Franchise financing services
• Commercial loan intermediation
• Sme lending brokerage
• Business acquisition financing

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Success-based brokerage fees: CRÉDITRELAX operates on a success-fee model where no professional fees are charged until the business credit is successfully obtained in conditions conforming to the client's project and expectations. This aligns the company's interests directly with the client's success.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

CRÉDITRELAX is a French professional financing broker that intermediates between business borrowers and a panel of partner banks to arrange commercial credit. It specializes in financing for franchise network entry, business and goodwill acquisition (fonds de commerce), commercial real estate, equipment leasing (crédit-bail), working capital, and professional debt consolidation. The firm serves entrepreneurs, artisans, merchants, liberal professionals, and SMEs seeking bank financing for business creation, expansion, or acquisition.

Product overview

CRÉDITRELAX operates as a professional financing broker since 2005, offering a centralized platform that connects entrepreneurs with banking partners. The core service is professional credit brokerage, supported by an online loan calculator tool. The company specializes in financing for franchise networks, artisans and merchants, and liberal professions, offering products including professional credit (crédit professionnel), commercial business financing (fonds de commerce), and lease-purchase solutions (crédit-bail). The offering functions as a unified service rather than a modular platform architecture.

Differentiator

Problem solved

Functional benefit

Products and services

• Courtage en Financement Professionnel (Professional Financing Brokerage) End-to-end professional credit brokerage service for French businesses: file assembly, multi-bank submission, negotiation of terms, and follow-through to funding. Covers franchise entry, business and goodwill acquisition, commercial real estate, equipment leasing, working capital, and debt consolidation. Designed for entrepreneurs, artisans, merchants, liberal professionals, and SMEs.
• Financement Franchise Réseaux Brokerage of bank credit for prospective and existing franchisees seeking to enter or expand within a franchise brand in France. Covers entry fee financing, working capital, and equipment. Target customer: individual entrepreneurs joining a franchise network.
• Financement Artisans Commerçants Brokerage of bank credit for artisans, shopkeepers, and small merchants needing financing for business operations, equipment, or commercial premises. Target customer: French artisans and small retail / trade operators.
• Financement Professions Libérales Brokerage of bank credit for self-employed professionals (doctors, dentists, lawyers, notaries, pharmacists, veterinarians, accountants, architects) needing financing for practice creation, acquisition, equipment, or development. Target customer: French liberal professionals.
• Financement de Fonds de Commerce Brokerage of bank credit for the acquisition of a fonds de commerce (going concern / business goodwill), often combined with commercial real estate financing. Coordinates with notaries for transaction completion. Target customer: entrepreneurs buying an existing business in France.
• Crédit Immobilier Professionnel Brokerage of bank mortgages for the acquisition or construction of commercial premises (boutiques, bureaux, locaux d'activité). Target customer: business owners and SMEs acquiring or developing commercial property.
• Crédit-Bail (leasing) Brokerage of crédit-bail (equipment lease) arrangements for professional assets such as vehicles, production equipment, and plant. Target customer: French SMEs and professionals needing to finance equipment without depleting cash or existing credit lines.
• Regroupement de Crédits Professionnels Brokerage of debt-consolidation loans for professionals and business owners who want to combine multiple existing professional loans into a single structure with improved terms. Target customer: French liberal professionals and small business owners with multiple existing credit lines.

Quantifiable outcome

• Credit obtained in approximately 3 weeks in challenging cases (e.g., restaurant financing in Vincennes)
• +1 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

Eight partnerships are on record, tiered strategic and supporting.

• Simon AssociésstrategicImplementation/ SI/ Consulting PartnerBusiness law firm specializing in franchise and distribution networks, providing legal expertise for franchise financing transactions.
• Gouache AvocatsstrategicImplementation/ SI/ Consulting PartnerLaw firm specializing in franchise law, recognized as 'Incontournable' (essential) in distribution and franchise law.
• Lettre des RéseauxsupportingStrategic or Co-development PartnerNewsletter and media platform covering franchise and distribution network news, supporting Créditrelax's franchise financing activities.
• Primo FinancesupportingStrategic or Co-development PartnerGrant and public funding search firm helping entrepreneurs access subsidies and public aid for business development.
• LinkapitalsupportingStrategic or Co-development PartnerIndependent investment bank specializing in corporate finance advisory, transaction support, and financing structuring for entrepreneurs.
• MandirisupportingStrategic or Co-development PartnerReal estate financing advisory partner specializing in professional property financing (debt, mezzanine, equity) for property professionals and investors.
• Immo LocauxsupportingChannel Partner/ Reseller/ DistributorReal estate agent specializing in commercial premises, providing property search services that complement financing activities.
• Colomer ExpertisessupportingImplementation/ SI/ Consulting PartnerReal estate appraisal and valuation expert specializing in commercial property valuation, business asset valuation, and lease rights valuation.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Empruntis: Established French credit broker intermediating mortgage and consumer loan products across multiple partner banks. Comparable intermediation business model and target audience to Créditrelax.
• Vousfinancer: French mortgage and credit broker network with a multi-product intermediation model and partner-bank agreements. Directly comparable to Créditrelax in acting as an intermediary between borrowers and banks, though Vousfinancer's footprint skews more toward residential mortgages.
• France Courtage: French credit brokerage firm operating in the professional and consumer credit intermediation space with partner-bank arrangements. Comparable intermediation model serving French SME and individual borrowers.
• Prelys Courtage: French professional credit broker with a multi-bank intermediation model targeting SMEs and entrepreneurs. Closely comparable in customer segment (French business borrowers) and broker function.
• ACE Crédit: French credit broker specializing in consumer and personal lending intermediation. Comparable intermediation model with partner-bank relationships, though primarily focused on personal rather than professional credit.

Broad incumbents

• Cofidis: Subsidiary of Crédit Mutuel and a major French consumer/SME credit provider with direct lending capabilities. Comparable end-market (French SME and consumer credit) and competes with broker-led origination by offering direct lending channels.
• BPI France: French public investment bank providing guarantees, financing, and direct support to SMEs and entrepreneurs. Listed as a key partner of Créditrelax but also a structural alternative channel entrepreneurs may use instead of a broker.
• Meilleurtaux: One of France's largest credit and insurance brokers, with a broader multi-product platform (mortgage, consumer credit, insurance). Comparable in intermediation function but much larger scale and product breadth than Créditrelax's professional credit niche.
• Financo: BNP Paribas subsidiary providing consumer and professional credit directly to individuals and small businesses. Represents the captive-lender model that competes with brokers like Créditrelax on professional financing requests.

Emerging players

• Younited Credit: French fintech lender offering digital consumer and SME credit origination. Comparable to Créditrelax on the SME credit demand side, but represents the digital-first alternative that could disintermediate traditional brokers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/creditrelax

Compliance2 records

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 CRÉDITRELAX