Fiinz

What Fiinz does

Fiinz is a French fintech operating as a non-exclusive credit-restructuring brokerage (IOBSP) intermediating between individual borrowers and a panel of six to eight partner banks, including Sygma (BNP Paribas Personal Finance), Younited Credit, Crédit Lift (Crédit Agricole Consumer Finances), My Money Bank, CFCAL, CGI, Créatis, and Crédit Municipal de Lyon. Headquartered in Niort with a team of 13, the company is registered with ORIAS under number 20001059 and is subject to ACPR oversight, holding MOBSP, MIA, and COA intermediary statuses. Its core product is credit consolidation (rachat de crédits), offered in four variants covering consumer loans, homeowners, tenants, and a cash-reserve add-on of up to 15% of the financed amount, complemented by borrower insurance and savings/life insurance distribution.

The technology layer is a web-based platform comprising an online simulation tool, a borrower-insurance calculator, a client portal for dossier tracking, and a public site rich in SEO-oriented educational content (glossary, FAQ, blog). Distribution is hybrid: customers self-serve the simulator online, after which dedicated advisors handle dossier preparation, bank negotiation, and signature. The company also operates a customer referral program (Parrainage) paying €150 in vouchers for completed referrals, and is a member of ANACOFI for consumer mediation.

Commercially, Fiinz is paid purely on a transaction basis, charging a brokerage commission capped at 7% of the total credit amount, integrated into the financing plan with no separate fee and no charge unless a loan is signed and funds are disbursed. Customer segments are French retail borrowers facing over-indebtedness, multiple consumer loans, life-event liquidity needs, or mortgage-plus-consumer consolidation, with explicit sub-products for tenants, property owners, and cash-reserve top-ups. Approval timelines disclosed are 12–15 days for consumer consolidation and approximately one month for mortgage consolidation.

Name

Fiinz

Legal name

Fiinz – Société par Actions Simplifiée

Website

https://fiinz.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Fiinz is a French fintech and non-exclusive credit-restructuring brokerage that intermediates consumer and mortgage consolidation dossiers between individual borrowers and a panel of six to eight partner banks, distributing credit, borrower insurance, and savings products via a hybrid digital and advisor-led model.

Ownership category

akta.pro rank

Product category

Consumer Credit Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Consumer Lending (522291), Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Debt Consolidation & Credit Card Balance Transfer Intermediation (FSAEAEAN)

akta.pro secondary industries

Multi-Loan / Multi-Creditor Consolidation Loans (FSAKAIAD), Fintech & Payments Partner / ISO Referral Networks (FSAEAMAK)

Keywords

• Credit consolidation brokerage
• Loan refinancing services
• Borrower insurance
• Financial brokerage France
• Consumer credit buyback

Headquarters

HQ city

Niort

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Brokerage Commission: Fiinz charges a maximum commission of 7% of the total credit amount. Fees are integrated into the financing plan with no additional hidden charges. Payment is only due once Fiinz successfully completes its mission and obtains a credit agreement that results in a signed loan contract and fund disbursement.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Fiinz is a non-exclusive credit consolidation brokerage (IOBSP) that helps French consumers merge multiple consumer loans, mortgage loans, or both into a single loan with reduced monthly payments. It distributes four consolidation products — consumer, homeowner, tenant, and consolidation with supplementary cash reserve — plus borrower insurance and life-insurance/savings products, delivered through an online simulator backed by dedicated advisors who negotiate with six to eight partner banks on behalf of borrowers.

Product overview

Fiinz operates as a credit consolidation brokerage platform offering a unified portfolio of financial services centered on credit refinancing. The core offering consists of four specialized credit consolidation products—Rachat de crédit consommation (consumer loans), Rachat de crédit propriétaire (homeowner loans), Rachat de crédit locataire (tenant loans), and Rachat de crédit trésorerie (consolidation with cash reserve)—complemented by insurance products (Assurance emprunteur) and savings solutions (Solutions d'épargne & assurance vie). The platform provides digital self-service tools including an online credit simulator and borrower insurance calculator, accessible through a dedicated client portal. A distinctive service feature is the dedicated personal financial advisor assigned to each client throughout the consolidation process. Founded in Niort, France, Fiinz operates as a non-exclusive broker connecting borrowers with six partner banking institutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Rachat de crédit consommation (Consumer credit buyback)

Quantifiable outcome

• Customer satisfaction rating of 4.9/5 on Trustpilot
• +2 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Nine partnerships are on record, tiered core and minor.

• CFCALcoreChannel Partner/ Reseller/ DistributorNon-exclusively mandated partner bank. Address: 1 rue du Dôme 67003 STRASBOURG. One of six banking partners providing credit restructuring solutions.
• CGIcoreChannel Partner/ Reseller/ DistributorNon-exclusively mandated partner bank. Address: 69 avenue de Flandre 59708 MARCQ EN BAROEUL. One of six banking partners providing credit restructuring solutions.
• CréatiscoreChannel Partner/ Reseller/ DistributorNon-exclusively mandated partner bank. Address: 61 avenue Halley – Parc de la Haute Borne – 59650 VILLENEUVE D'ASCQ. One of six banking partners providing credit restructuring solutions.
• Crédit Lift (Crédit Agricole Consumer Finances)coreChannel Partner/ Reseller/ DistributorNon-exclusively mandated partner bank. Address: 1 rue Victor Basch CS 70001 91068 MASSY CEDEX. One of six banking partners providing credit restructuring solutions.
• Crédit Municipal de LyoncoreChannel Partner/ Reseller/ DistributorNon-exclusively mandated partner bank. Address: 221 Rue Duguesclin – BP3028 – 69396 LYON CEDEX 03. One of six banking partners providing credit restructuring solutions.
• My Money BankcoreChannel Partner/ Reseller/ DistributorNon-exclusively mandated partner bank. Address: 20 avenue André-Prothin Tour Europlaza 92063 PARIS LA DEFENSE. One of six banking partners providing credit restructuring solutions.
• Sygma (BNP Paribas Personal Finance)coreChannel Partner/ Reseller/ DistributorNon-exclusively mandated partner bank. Commercial brand of BNP Paribas Personal Finance. Address: 1 Boulevard Haussmann 75318 Paris CEDEX 09. One of six banking partners providing credit restructuring solutions.
• Younited CreditcoreChannel Partner/ Reseller/ DistributorNon-exclusively mandated partner bank. Address: 21 rue de Châteaudun – 75009 PARIS. One of six banking partners providing credit restructuring solutions.
• ANACOFIminorOthersProfessional association member. Fiinz is a member of ANACOFI (www.anacofi.asso.fr), an association of financial intermediaries. Through this membership, customers have access to consumer mediation services for dispute resolution.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Cetelem (BNP Paribas Personal Finance): BNP Paribas Personal Finance consumer credit brand, one of Fiinz's mandated partner banks. Provides credit consolidation products directly as well as through brokers like Fiinz; large incumbent in French consumer credit.
• Kereis: French credit brokerage and distribution platform (formerly VOOm) aggregating credit and insurance distribution. Operates in the same intermediation ecosystem as Fiinz, with a broader product portfolio and platform orientation.
• Boursorama Banque: Major French online bank offering consumer credit, mortgage, and refinancing products directly. Competes with Fiinz indirectly by enabling borrowers to bypass brokers and access credit products directly online.
• Cofidis: Large French consumer credit provider (Crédit Mutuel group) offering personal loans, credit consolidation, and revolving credit directly to consumers. Competes with Fiinz indirectly by offering consolidation products without a broker intermediary.

Direct peers

• Meilleurtaux: Leading French broker (formerly Meilleurtaux.com) operating in mortgage, consumer credit, and credit consolidation brokerage. Same intermediation business model connecting borrowers with multiple bank partners, with similar advisor-led hybrid digital model.
• Magnolia (Benevole): French credit consolidation specialist platform offering rachat de crédits with digital tools and advisor support. Same target customer (over-indebted French households) and same broker/distributor business model.
• Solutis: French credit consolidation brokerage with similar advisor-led model and bank partner network. Directly competes with Fiinz in the rachat de crédits intermediation market for over-indebted French households.
• Empruntis: Major French mortgage and credit consolidation broker with a similar multi-bank partner model and online simulation tools. Operates in the same credit consolidation intermediation space as Fiinz, though at significantly larger scale.
• Younited Credit: French consumer credit platform offering credit consolidation and personal loans directly to consumers. Both Younited and Fiinz serve the same over-indebted French borrower segment; Younited is a lender while Fiinz is a broker, but Younited is also one of Fiinz's mandated partner banks.

Regional players

• Crédit Lift (Crédit Agricole Consumer Finance): French consumer credit specialist owned by Crédit Agricole Consumer Finance, one of Fiinz's mandated partner banks. Same regulatory and product market as Fiinz, focused exclusively on French consumer credit consolidation.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/fiinz

Compliance3 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 Fiinz