Ecair

What Ecair does

Ecair (legal entity MRA Groupe, SAS) is a French FinTech founded in 2021 by Maxime Bensadoun and Victor Jolly, both former operations and payment-services directors at Lydia. The company provides three integrated financing solutions for RGE-certified energy renovation installers: Avance MaPrimeRénov', which advances French government renovation subsidies within 24-48 hours of project validation; Crédit Travaux, which converts renovation quotes into monthly payment plans calibrated to projected energy savings; and CEE processing, which advances Energy Savings Certificate premiums with guaranteed payment within three weeks (or seven days with Fast Payment). A fourth module, Leasing PV Pro, is forthcoming for professional solar installations. The platform is accessible directly to renovation companies via a web application and natively embedded in industry software including Qhare (CRM), Solteo (photovoltaic), and CardoPAC (heat pump sizing).

Ecair is registered with ORIAS (number 25007235) as a non-exclusive banking and payment services agent (MOBSP) and insurance intermediary (MIA), and is an official administrative and financial mandate holder (mandataire) for MaPrimeRénov' under ANAH oversight — the regulatory infrastructure that lets the company advance public subsidies. The company's go-to-market is sales-led, combining a direct B2B commercial team (bookable via Calendly), software-integration channel partnerships, and content marketing targeting French renovation contractors. End customers of Ecair's installer clients are French homeowners undertaking heat pump, solar, insulation, or comprehensive renovation projects.

Ecair earns revenue through transaction fees on subsidies advanced, credit facilitation fees paid by banking partners for Crédit Travaux loans, and processing fees on CEE certificate payments. The service is free to renovation companies at the platform layer, monetizing on volume. The company has raised €11 million in December 2025 (lead investor Planet A Ventures, with Bpifrance, Climate Club, INCO Ventures, Kima Ventures, Silence VC, Übermorgen Ventures, Voyagers, and Enerfip participating), and plans to expand beyond France into broader European markets. Reported customer outcomes include a 30-40% increase in signature rates and approximately four hours of administrative work saved per file for installer clients.

Name

Ecair

Legal name

MRA Groupe

Website

https://ecair.eco

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Ecair is a French FinTech that provides subsidy advancement, work credit facilitation, and energy certificate processing solutions to RGE-certified energy renovation companies and their homeowner clients across France.

Ownership category

akta.pro rank

Product category

Energy Renovation Financing

NAICS

Sales Financing (52222), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Energy Efficiency & Green Retrofit Financing (FSALAHAK)

akta.pro secondary industries

A2A Payouts & Disbursements (FSAMAFAG), E-commerce & Digital Checkout Installment Financing (FSAKAFAC)

Keywords

• Renovation financing platform
• Subsidy advancement services
• Energy efficiency certificates
• Work credit facilitation
• Fintech for contractors

Headquarters

HQ city

Saint Denis

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. MaPrimeRénov' Advance Fees: Ecair advances subsidies to renovation companies and charges a fee for this service. The company pays subsidies within 24-48 hours after project validation, charging for the cash advance service.
2. Work Credit Facilitation: Ecair facilitates credit solutions for renovation projects through banking partners. The company earns fees for processing credit applications and providing the technology platform that connects installers with lenders.
3. CEE Payment Processing: Ecair processes and advances Energy Efficiency Certificate (CEE) payments to renovation companies, earning fees for the service of guaranteeing and accelerating payments.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Ecair provides a B2B FinTech platform that delivers three integrated financing solutions to RGE-certified energy renovation companies in France: Avance MaPrimeRénov' advances government renovation subsidies within 24-48 hours after work completion, Crédit Travaux converts renovation quotes into energy-savings-calibrated monthly installment plans for end customers via banking partners, and CEE processing monetizes Energy Savings Certificates with payment within 3 weeks (or 7 days with Fast Payment). The platform is accessed natively through integrations with renovation-industry CRMs and software tools.

Product overview

Ecair is a modular French FinTech platform providing a suite of three integrated financing solutions — Avance MaPrimeRénov', Crédit Travaux, and CEE — designed for energy renovation installation companies. Avance MaPrimeRénov' advances government renovation grants to contractors within 24 hours, solving cash-flow gaps from delayed ANAH payments; Crédit Travaux transforms quotes into energy-savings-calibrated installment plans, boosting sales conversion; and CEE enables rapid collection of Energy Savings Certificate premiums with automated compliance controls. A fourth module, Leasing PV Pro (coming soon), extends the platform to professional solar leasing. All three core solutions are accessible natively from within third-party CRM and industry software (Qhare, Solteo) via a single integration, and Ecair acts as a registered administrative and financial agent (mandataire) for MaPrimeRénov' under ANAH oversight.

Differentiator

Problem solved

Functional benefit

Products and services

• Avance MaPrimeRénov'

Quantifiable outcome

• 30-40% increase in signature rates for renovation companies using Ecair financing solutions
• +3 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• QharecoreTechnology or IntegrationQhare is a CRM designed for energy renovation and construction professionals. Ecair's financing solutions are integrated directly into the Qhare platform, allowing users to access credit simulations, MaPrimeRénov' advances, and CEE processing without leaving the CRM.
• SolteocoreTechnology or IntegrationSolteo is a platform for photovoltaic installers. Ecair's financing solutions integrate with Solteo to provide credit options for solar panel installation projects.
• ANAH (National Housing Agency)coreStrategic or Co-development PartnerEcair is an official administrative and financial agent (mandataire) for MaPrimeRénov', mandated by ANAH (Agence Nationale de l'Habitat) to process and advance subsidy payments to renovation companies and homeowners.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Hellio: French energy-efficiency services company that helps households finance and complete renovation works (insulation, heating, solar). Operates as a mandataire-style intermediary on CEE/MaPrimeRénov' subsidies and competes directly with Ecair for the same RGE installer channel and end-customer financing relationship.
• Effy: French home energy renovation specialist that bundles subsidy assistance (MaPrimeRénov', CEE) with installer matching and financing support. Directly comparable to Ecair on mandate-style subsidy intermediation and B2B installer enablement in France.
• Enerfip: French crowdfunding platform dedicated to financing renewable energy and energy-transition projects, and an Ecair investor. Comparable as a regulated French FinTech channeling capital toward energy transition, though focused on project-level debt crowdfunding rather than SME installer financing.

Broad incumbents

• Cofidis: Large French consumer-credit institution (Crédit Mutuel group) offering home improvement and work credit (Crédit Travaux) products directly to consumers and via retailer/installer partners. A scaled incumbent in the same end-product category Ecair facilitates.
• Younited Credit: Major European consumer-credit platform that originated in France and operates an instant credit decisioning API similar in concept to Ecair's Crédit Travaux. Comparable business-model peer for credit intermediation and embedded lending distribution.
• IZI by EDF: EDF group's home energy services arm offering insulation, heating, and solar installations with embedded financing and subsidy handling. Larger incumbent with a national brand and balance sheet; overlaps with Ecair's subsidy-advance and credit facilitation value proposition for installers and homeowners.

Others

• France Rénov': Public service operated under ANAH that guides homeowners through energy renovation including subsidy applications. Not a direct competitor for installer financing but the public counterpart to Ecair's intermediary layer and a key channel for end-customer subsidy demand.

Emerging players

• AXA Climate (HomeRenov): Climate-finance arm of AXA active in energy-renovation financing solutions in France, including work credit and subsidy-linked products. Comparable on combining insurance/finance expertise with energy-renovation use cases, though at a much larger parent scale.

Market position

Strengths3 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/ecair-mra

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 records

Funding overview

Funding rounds2 records

Investors9 records

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 Ecair