Union de Crédit Immobilier (UCI)
Ymanci is a French credit and insurance brokerage (part of Groupe Premista) that connects individual borrowers with 14+ partner banks and 15+ insurers through 135 agencies, 500 expert advisors, and a digital platform, earning commissions on mortgage origination, credit consolidation, and insurance premiums.
- Company typePrivate
- Founded2000
- HeadquartersFrance (Headquarters location unspecified), France
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Union de Crédit Immobilier (UCI) does
Union de Crédit Immobilier (UCI) operates the Ymanci retail brand as a French credit and insurance brokerage, a subsidiary of Groupe Premista operating through the legal entities PremiDirect, Premimmo, and PremiServices. The company connects individual borrowers with a network of 14+ partner banks (Société Générale, Crédit Agricole, BNP Paribas, Caisse d'Épargne, Banque Populaire, Crédit Mutuel entities, LCL, La Banque Postale, Arkéa, and others) and 15+ insurance providers (Cardif, Swiss Life, Axa Banque, April, Malakoff Humanis, Néoliane, Solly Azar, SPVIE, Zenioo, and others), earning affiliate/referral commissions on originated mortgage loans, credit consolidation volumes, and insurance premiums. Its five core products are credit consolidation (rachat de crédits), mortgage brokerage (crédit immobilier), borrower insurance (assurance emprunteur), complementary health insurance (mutuelle santé), and pet insurance (assurance animaux).
Ymanci distributes through a hybrid model combining 135 physical agencies across metropolitan France and overseas territories (including Réunion) with 500 expert advisors and a digital platform (ymanci.fr) offering loan calculators, rate barometers, and content resources. The business has been operating for over 20 years, reports a 96% client satisfaction rate, and offers a 'best rate guarantee.' Underlying technology is a standard brokerage platform — form-based simulation tools, lead capture, and CRM-style routing to advisors — with no disclosed proprietary AI/ML, APIs, SDKs, or partner integrations. Online self-serve tools complement but do not replace the agency-led sales motion.
The revenue model is commission-based with no disclosed pricing to end consumers for the brokerage service itself; rather, Ymanci is paid by banking partners on loan origination and by insurance partners on premium flow. A publicly disclosed pricing example (200,000 euro consolidation loan over 300 months at 2.92% TAEG, 867.32 euro monthly payment) suggests transparency around loan economics but does not break out the broker's share. Customer segments are horizontal and retail-focused: individual property buyers (primary, secondary, investment), credit consolidation seekers with multiple existing loans, and insurance buyers.
Union de Crédit Immobilier (UCI) firmographics
Firmographics- Name
- Union de Crédit Immobilier (UCI)
- Legal name
- Ymanci (operated by PremiDirect, Premimmo, or PremiServices)
- Website
- https://uci-france.fr
- Company type
- Private
- Founded year
- 2000
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Ymanci is a French credit and insurance brokerage (part of Groupe Premista) that connects individual borrowers with 14+ partner banks and 15+ insurers through 135 agencies, 500 expert advisors, and a digital platform, earning commissions on mortgage origination, credit consolidation, and insurance premiums.
- Ownership category
- akta.pro rank
Where Union de Crédit Immobilier (UCI) is headquartered
LocationHeadquarters
- HQ city
- France (Headquarters location unspecified)
- HQ country
- France
- HQ region
- Europe
Offices2 records
Markets served
Union de Crédit Immobilier (UCI) business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Infrastructure, Technology or R&D
Revenue model
- Brokerage commissions from banking partners: Ymanci earns commissions from banking partners (Société Générale, Crédit Agricole, BNP Paribas, and others) for bringing them loan and credit consolidation business. The company also earns commissions from insurance partners for borrower insurance, health insurance, and pet insurance products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Credit consolidation loan example - 200,000 euros over 300 months |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels7 records
Union de Crédit Immobilier (UCI) product offering
Product offeringCore offering
UCI operates a credit and insurance brokerage business through its Ymanci platform, intermediating between individual customers and a network of French banking partners (Société Générale, Crédit Agricole, BNP Paribas, and others) and insurance providers (Cardif, Swiss Life, Axa, etc.). Core offerings include credit consolidation (merging multiple loans into a single payment), mortgage loans for property acquisition, loan/borrower insurance, complementary health insurance, and pet insurance, delivered through 135 physical agencies and digital channels.
Product overview
Ymanci is a multi-service financial brokerage platform offering five core products: credit consolidation (rachat de crédits) to merge multiple loans, mortgage loans (crédit immobilier) for property acquisition, loan insurance (assurance de prêt) for borrower protection, health insurance (mutuelle santé), and pet insurance (assurance animaux). The platform operates as a broker intermediary, leveraging a network of 135+ agency locations and 500+ expert advisors to connect clients with banking and insurance partners. Online simulation tools complement the service for self-directed financial planning.
Differentiator
Problem solved
Functional benefit
Products and services
- Rachat de crédits (Credit Consolidation) Credit consolidation service that merges multiple existing loans (consumer credit, revolving credit, mortgages) into a single, unified loan. Targets individuals seeking to reduce monthly payments by up to 60%, simplify budget management with a single monthly payment, and finance a new project by freeing up cash flow. Delivered through agency advisors and digital simulations.
- Crédit immobilier (Mortgage Loans) Mortgage brokerage service connecting individual clients with partner banks to secure financing for primary residence acquisition, secondary residence, rental investment, construction, renovation, SCPI investment, and credit renegotiation. Covers aided loan types (PTZ, PAS, Action Logement) and conventional amortisable loans. Delivered with personalized advisor support at 135 agencies across France.
- Assurance emprunteur (Borrower Insurance) Borrower insurance brokerage service covering mortgage repayment protection against death, total permanent disability (PTIA), temporary total incapacity, partial incapacity, permanent total invalidity, and permanent partial invalidity. Enables comparison of insurance contracts across partner insurers and supports the legally guaranteed annual right to switch insurance contracts.
- Mutuelle santé (Health Insurance) Complementary health insurance brokerage service that helps clients find optimal health coverage to supplement French Social Security reimbursements for medical expenses. Aggregates offers from multiple insurance partners for individual and family coverage.
- Assurance animaux (Pet Insurance) Pet insurance brokerage service for dogs and cats covering veterinary expenses including consultations, medications, exams, surgery, hospitalization, and vaccinations. Aggregated through partner insurers including Santévet and other pet insurance providers.
Quantifiable outcome
- Monthly payment reduction up to -60% through credit consolidation
- +2 more outcomes
Companies that use Union de Crédit Immobilier (UCI)
Customer profileSegments3 records
Ideal customer profiles3 records
Union de Crédit Immobilier (UCI) technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Union de Crédit Immobilier (UCI) partnerships and signals
Strategic signalPartnerships
30 partnerships are on record, tiered core and minor.
- Société GénéralecoreMajor French banking partner in Ymanci's network, offering mortgage loans and credit products to customers through Ymanci's intermediary services.
- Crédit AgricolecoreMajor French banking partner in Ymanci's network, offering mortgage loans and credit products.
- BNP ParibascoreMajor French banking partner in Ymanci's network, offering mortgage loans and credit products.
- Caisse d'ÉpargnecoreBanking partner in Ymanci's network, offering mortgage and credit products.
- Banque PopulairecoreBanking partner in Ymanci's network, offering mortgage and credit products.
- Crédit Mutuel de Bretagne (CMB)coreBanking partner in Ymanci's network, offering mortgage and credit products.
- CMT (Crédit Mutuel)coreBanking partner in Ymanci's network, offering mortgage and credit products.
- MilleisminorBanking partner in Ymanci's network.
- Banque BCPminorBanking partner in Ymanci's network.
- CCF (Commercial Court France)minorBanking partner in Ymanci's network.
- Banque PalatineminorBanking partner in Ymanci's network.
- LCLcoreMajor French banking partner in Ymanci's network.
- La Banque PostalecoreMajor French banking partner in Ymanci's network.
- ArkéacoreBanking group partner (Crédit Mutuel Arkéa) in Ymanci's network.
- Cardif (BNP Paribas Group)coreInsurance partner offering borrower insurance and related products through Ymanci's network.
- Swiss LifecoreInsurance partner offering borrower insurance products through Ymanci.
- UTWINminorInsurance partner in Ymanci's network.
- Axa BanquecoreInsurance partner in Ymanci's network offering insurance products.
- BREDminorBanking partner in Ymanci's network.
- AlptisminorInsurance partner in Ymanci's network.
- ApiviaminorInsurance partner in Ymanci's network.
- AprilminorInsurance partner in Ymanci's network.
- Malakoff HumanisminorInsurance partner in Ymanci's network.
- NéolianeminorInsurance partner in Ymanci's network.
- Solly AzarminorInsurance partner in Ymanci's network.
- SPVIE AssurancesminorInsurance partner in Ymanci's network.
- ZenioominorInsurance partner in Ymanci's network.
- ECA AssurancesminorInsurance partner in Ymanci's network.
- SantévetminorPet insurance partner in Ymanci's network.
- AchéelminorInsurance partner in Ymanci's network.
Scale indicators4 records
Recent moves6 records
Expansion highlights4 records
Union de Crédit Immobilier (UCI) competitors and assessment
Company assessmentEmerging players
- Assurland: French insurance aggregator and comparator platform helping consumers compare health, home, auto, and other insurance products. Comparable to Ymanci's insurance brokerage arm (especially health and pet insurance) as a digital insurance intermediary.
- Hyperassur: French insurance comparator and brokerage platform distributing health and other personal insurance products. Comparable to Ymanci's insurance distribution arm with a digital-first intermediary model targeting the same French consumer segment.
Direct peers
- Pretto: Digital-first French mortgage broker operating without a physical agency network. Comparable to Ymanci on product and customer base, and represents the pure-digital competitive benchmark against Ymanci's hybrid branch-plus-digital model.
- Vousfinancer: Major French mortgage broker with an agency network and multi-bank partnerships serving individual borrowers for purchase, renovation, and credit consolidation. Closely overlaps with Ymanci on customer profile, product mix, and intermediary business model.
- Meilleurtaux: One of the leading French mortgage and credit brokers, operating a multi-bank partnership model across France with both physical branches and digital tools. Directly comparable to Ymanci on product (mortgage, credit consolidation, insurance) and customer (French individual borrowers and property buyers).
- Magnolia: French broker offering mortgage, credit consolidation, and insurance products through multi-partner distribution. Operates in the same intermediation niche as Ymanci with comparable products and target customers.
- Cafpi: Long-established French mortgage broker with a national agency network and bank-partner origination model. Directly comparable to Ymanci as a traditional, branch-led mortgage and credit-consolidation intermediary serving French consumers.
- Immoprêt: French mortgage broker operating a multi-bank partnership model for property financing and credit consolidation. Directly overlaps with Ymanci on customer segment (individual property buyers) and product (mortgage brokerage).
Broad incumbents
- Boursorama Banque: Direct online bank subsidiary of Société Générale offering mortgages, consumer credit, and insurance directly to French consumers. Represents the incumbent disintermediation threat: a top Ymanci bank partner (Société Générale) operates its own direct digital origination channel competing for the same customers.
- Cofidis: Major French consumer-credit provider (part of Crédit Mutuel group) originating personal loans and credit consolidation directly to consumers. Competes with Ymanci's credit-consolidation proposition and represents a balance-sheet lender alternative to the broker model.
Market position
Strengths5 records
Weaknesses2 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Union de Crédit Immobilier (UCI) social profiles
Digital presenceUnion de Crédit Immobilier (UCI) financial estimates
Financial estimateRevenue estimate
Valuation estimate
Union de Crédit Immobilier (UCI) leadership team
Management profileNumber of profiles
Union de Crédit Immobilier (UCI) funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Union de Crédit Immobilier (UCI) 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 Union de Crédit Immobilier (UCI)
What does Union de Crédit Immobilier (UCI) do?
UCI operates a credit and insurance brokerage business through its Ymanci platform, intermediating between individual customers and a network of French banking partners (Société Générale, Crédit Agricole, BNP Paribas, and others) and insurance providers (Cardif, Swiss Life, Axa, etc.). Core offerings include credit consolidation (merging multiple loans into a single payment), mortgage loans for property acquisition, loan/borrower insurance, complementary health insurance, and pet insurance, delivered through 135 physical agencies and digital channels.
Is Union de Crédit Immobilier (UCI) a public or private company?
Union de Crédit Immobilier (UCI) is a private company. It is classified as corporate owned and is currently operating.
When was Union de Crédit Immobilier (UCI) founded?
Union de Crédit Immobilier (UCI) was founded in 2000. It employs 11 to 50 people.
Where is Union de Crédit Immobilier (UCI) based?
Union de Crédit Immobilier (UCI) is headquartered in France (Headquarters location unspecified), France, in the Europe region.
How does Union de Crédit Immobilier (UCI) make money?
One revenue line is on record: brokerage commissions from banking partners.
Who are Union de Crédit Immobilier (UCI)'s main competitors?
Emerging players on record are Assurland and Hyperassur. Direct peers are Pretto, Vousfinancer, Meilleurtaux, Magnolia, Cafpi and Immoprêt. Broad incumbents are Boursorama Banque and Cofidis.
Does Union de Crédit Immobilier (UCI) have an API?
No public API is recorded for Union de Crédit Immobilier (UCI).