What MODERATIO does

MODERATIO is a French credit brokerage and intermediation firm, operating since 1992 as SARL Assistance Finance Credit, registered with ORIAS (n°12065613) and supervised by the ACPR. The firm is structured as a Mandataire Non Exclusif en opérations de banque and Courtier en assurances, with multi-bank mandates spanning My Money Bank, CFCAL (Crédit Mutuel ARKEA), CGI/Cofinoga, Crédit Municipal de Toulon, and Créditlift CA Consumer Finance. It operates across metropolitan France from a registered headquarters in Pignans and an operational office in Orléans, with a team of approximately 6 employees led by Eric Chauvin as Publication Director.

The firm offers a broad product surface anchored in credit consolidation (rachat de crédits) and extending into SCI-based rental investment mortgages (up to €2.5M per dossier, structured to bypass HCSF personal debt-to-income limits), SCPI share financing (€40K–€600K with Crédit Logement guarantee), personal and professional loans, life annuity mortgages (prêt viager hypothécaire), and sector-specific leasing/credit-bail across agriculture, automobile, BTP, CHR, healthcare, industry, logistics, and renewable energy. It also distributes a legal-entity term deposit product via CFCAL. Customer-facing operations are powered by proprietary in-house simulation software that integrates borrower financial data to produce immediate principle decisions and routes dossiers to the optimal mandated bank, supported by a single-advisor inside-sales model and dedicated phone/email lines per product line.

The revenue model is transaction-based: the firm earns brokerage commissions of approximately 5–6% of each funded loan amount (paid only after disbursement and included in the TEG), with no fees charged to clients prior to loan obtention. Acquisition is driven primarily by organic SEO, content marketing around credit-restructuring queries, and earned media from the firm's status as a published authority (Gualino editions, national and regional press citations) and six-time winner of the Trophée EXCELLENT SERVICE CLIENT through 2020. No external funding has been raised and no M&A activity is recorded.

Name

MODERATIO

Legal name

SARL ASSISTANCE FINANCE CREDIT

Website

https://moderatio.fr

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

1–10 employees

Short description

MODERATIO is a French credit brokerage firm (SARL Assistance Finance Credit, founded 1992, ~6 employees) operating as a non-exclusive banking intermediary under ORIAS/ACPR supervision. It intermediates credit consolidation, SCI/SCPI real estate financing, professional loans, and sector-specific leasing across metropolitan France, earning transaction commissions on each funded loan.

Ownership category

akta.pro rank

Product category

Credit Brokerage Services

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

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

akta.pro primary industry

Commercial Mortgage Brokerage (FSAEAEAB)

Keywords

• Credit consolidation
• Mortgage brokerage
• Professional financing
• Real estate lending
• Credit intermediation

Headquarters

HQ city

Pignans

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Loan brokerage / intermediation commissions: MODERATIO acts as a non-exclusive banking intermediary (Mandataire Non Exclusif en opérations de banque) mandated by several French banks. It earns commission on each completed loan restructured or originated, charged as a percentage of the loan amount. The commission is included in the total loan cost and TEG, and is only payable after funds are disbursed. The company explicitly states it does not charge clients any fees before a loan is obtained.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

MODERATIO (legal entity SARL Assistance Finance Credit) is a French non-exclusive banking intermediary (Mandataire Non Exclusif en opérations de banque, ORIAS n°12065613) mandated by multiple French banks. The company brokers credit consolidation (rachat de crédits), SCI-based rental real estate financing, SCPI investment financing, professional loans, personal loans, life-annuity mortgages (prêt viager hypothécaire), and sector-specific leasing/credit-bail products for agricultural, automotive, BTP, CHR, medical, industrial, and logistics clients. It earns brokerage commissions on each completed loan, with no fees charged before disbursement.

Product overview

MODERATIO is a credit brokerage firm specializing in credit consolidation and professional financing solutions. The company operates as a unified service platform offering credit consolidation (rachat de crédits), real estate financing for SCI entities, SCPI investment financing, professional loans, personal loans, life annuity mortgages, and sector-specific leasing solutions (agricultural, automobile, BTP, CHR, industrial, logistics, medical, commerce, environment). The core product line centers on credit consolidation services for both individuals and professionals, supplemented by specialized financing for real estate investments and leasing products for various business sectors. The company also provides online simulation tools for SCI financing and credit consolidation calculations.

Differentiator

Problem solved

Functional benefit

Products and services

• Rachat de crédits (Credit Consolidation) Credit consolidation service that combines multiple existing loans into a single new loan with one monthly payment, aimed at reducing debt burden and improving cash flow for individuals and professionals.
• Prêt immobilier locatif pour SCI (SCI Real Estate Loan)

Quantifiable outcome

• Monthly payment reduction of up to 66% in documented credit consolidation cases (e.g., from €1,601.35 to €539.70)
• +5 more outcomes

Named customers5 records

Segments8 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Two partnerships are on record, tiered core.

• By-SolucecoreChannel Partner/ Reseller/ DistributorMODERATIO is a member of the By-Soluce network, a French broker network for credit insurance and credit intermediation. Membership provides cross-referrals, shared standards, and access to a broader broker community.
• Crédit LogementcoreTechnology or IntegrationCrédit Logement provides the mutual guarantee mechanism for SCPI and real estate financing products offered by MODERATIO, enabling collateral-free (or reduced-collateral) lending for eligible borrowers through their guarantee scheme.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Younited Credit: Paris-based fintech operating a consumer credit marketplace with institutional funding partners. Comparable as an intermediation platform with multiple lending partners, though Younited is a regulated credit institution rather than a pure broker like MODERATIO.
• Vousfinancer: French mortgage broker network with a national footprint of advisors. Comparable in business model (multi-bank intermediation, advisor-led service) and in serving individual borrowers seeking optimal mortgage terms across partner banks.
• Meilleurtaux: France's leading mortgage and credit broker comparison platform, aggregating offers from multiple banking partners. Directly comparable to MODERATIO's multi-bank intermediation model, though with stronger brand awareness and a broader consumer focus versus MODERATIO's SCI/SCPI specialization.
• Cafpi: One of France's largest established mortgage broker networks with a franchise-style branch model. Comparable as a competing intermediary aggregator with multi-bank relationships, serving both individual and professional borrowers across France.
• Pretto: Digital-first French mortgage broker offering online simulation followed by human advisor support. Closely matches MODERATIO's self-serve simulation-to-advisor funnel and multi-bank mandate model, though Pretto focuses on primary residence mortgages rather than SCI/SCPI and professional credit consolidation.
• ACE Crédit: French credit broker specializing in credit consolidation and mortgage refinancing for individuals and professionals. Closely comparable to MODERATIO's rachat de crédits core product line, with similar inside-sales distribution and multi-bank partner model.

Broad incumbents

• Cofidis: Major French consumer credit provider (subsidiary of Crédit Mutuel) offering personal loans, credit consolidation, and revolving credit directly. Represents the depository/lending alternative to MODERATIO's brokerage model and is one of the underlying capital sources that credit consolidators tap into.
• BNP Paribas Personal Finance: BNP Group's consumer credit arm (includes Cetelem) and one of the largest personal loan and credit consolidation providers in France. Comparable end-product (credit consolidation, personal loans) but operates as a direct lender rather than a broker, and competes for the same customer demand pool.
• Boursorama Banque: Major French online bank offering mortgage, consumer credit, and credit consolidation directly to retail customers. Competes with MODERATIO on the credit consolidation demand side and represents a digital direct-to-consumer alternative to the broker model.
• Crédit Mutuel Arkéa: French mutual banking group whose subsidiary CFCAL is explicitly listed as a core financial partner of MODERATIO for both lending mandates and term deposit distribution. Comparable in product scope (consumer credit, mortgage, savings) but operates as a depository lender rather than an intermediary.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks1 record

Customer concentration

• LinkedInlinkedin.com/company/financement-scpi

Compliance4 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 MODERATIO