L'EXPERT DU CREDIT

What L'EXPERT DU CREDIT does

L'Expert du Crédit is a privately held mortgage brokerage firm founded circa 2013 and headquartered in Saint-Étienne, France, operating exclusively in the Loire department. The company runs four physical branches (Saint-Étienne, Saint-Just-Saint-Rambert, Saint-Chamond, and Firminy, the last opened in September 2022) staffed by a team of 10 qualified brokers, and serves primarily individual property buyers and, to a lesser extent, professional clients in the region. Its core offerings include mortgage brokering (courtage en crédit immobilier), professional credit, loan renegotiation, and borrower insurance (assurance emprunteur), supported by an online credit simulator and a partner program targeting real estate agencies, mandataires, business introducers, employee committees, and corporate clients.

The business model is a commission-based intermediary arrangement: L'Expert du Crédit earns transaction fees from banking partners for each successful mortgage placement, with the service appearing free of charge to borrowers. The company maintains relationships with most banks operating in the region, enabling it to negotiate terms across multiple lenders on behalf of clients. Distribution operates through a blend of direct sales (the four branches, phone, online appointment booking), partnership referrals, and digital channels (website, Instagram, Google reviews, real estate trade shows). At least one senior broker (Géraldine Joubert, hired October 2022) brings prior institutional experience from LCL, Banque Populaire, and Allianz, and the firm advertises a 48-hour commitment to issue an agreement in principle.

The underlying technology is conventional: a web-based loan simulator (calculating monthly payments across 10-25 year durations) and standard contact management systems. The company has no disclosed AI/ML capabilities, no mobile app, no public API, and no proprietary technology beyond these basic tools. It is independently owned by its founder (Joseph Kebapcigil serves as Director of Publication), has no external investors, no funding rounds, and no parent company, and is registered under SIREN 794666479 with Code APE 7022Z (business consulting).

Name

L'EXPERT DU CREDIT

Legal name

L'expert du crédit

Website

https://lexpertducredit.fr

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

1–10 employees

Short description

L'Expert du Crédit is a privately held mortgage broker in France's Loire department, operating four branches and a team of 10 brokers serving individual property buyers and professional clients with mortgage origination, renegotiation, and borrower insurance on bank-paid commissions.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)

Keywords

• Mortgage brokerage services
• Real estate loan intermediation
• Professional credit brokering
• Loan renegotiation services
• Borrower insurance distribution

Headquarters

HQ city

Saint-Étienne

HQ country

France

HQ region

Europe

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Mortgage brokerage commissions: The company acts as an intermediary between borrowers and banks, earning commissions from banking partners for successful mortgage placements. They work with most banks in the region to negotiate optimal loan terms for clients.

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

L'Expert du Crédit is a mortgage brokerage firm that intermediates between borrowers and partner banks to negotiate mortgage loans, professional credit, loan renegotiations, and borrower insurance for property acquisitions. The firm operates 4 physical agencies across the Loire department in France, supported by an online credit simulator and a partner referral program for real estate professionals.

Product overview

L'Expert du Crédit operates as a unified mortgage brokerage platform offering five interconnected services: the core mortgage brokering service (courtage en crédit immobilier) handles property acquisition financing with access to multiple partner banks; professional credit services serve business clients; loan renegotiation helps existing borrowers obtain better terms; borrower insurance is offered as a complementary product; and a credit simulator tool enables prospects to calculate monthly payments. The company also operates a partner program for real estate agencies and business introducers to refer clients. The company has 4 physical agency locations across the Loire department.

Differentiator

Problem solved

Functional benefit

Products and services

• Courtage en crédit immobilier (Mortgage brokerage) Core mortgage brokering service where brokers negotiate loan offers with partner banks on behalf of individual clients for property acquisitions across the Loire department.
• Crédit professionnel (Professional credit) Professional credit services for business clients, including commercial and professional loan brokering for business owners and self-employed professionals.
• Renégociation de prêt (Loan renegotiation) Loan renegotiation service allowing borrowers to renegotiate existing mortgage terms for better rates, leveraging the firm's bank partnerships to obtain improved conditions.
• Assurance emprunteur (Borrower insurance) Borrower insurance product offered alongside mortgages, now switchable at any time under the Lemoine Law, providing complementary cover for property financing clients.

Quantifiable outcome

• Agreement in principle within 48 hours
• +1 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Cafpi: Major French mortgage broker with national branch coverage, providing identical credit brokerage services to individual and professional clients.
• ACE Crédit: National French mortgage broker serving both individual and professional clients with a multi-branch network, similar offerings to L'Expert du Crédit.
• Immoprêt: French mortgage broker network with agencies across regions, providing nearly identical credit brokerage and renegotiation services.
• Artémis Courtage: Mid-size French mortgage broker with multi-branch presence; comparable in scale and service mix to L'Expert du Crédit's Loire operations.
• Vousfinancer: Large French mortgage broker network with a multi-agency model across France, directly comparable to L'Expert du Crédit's intermediary role between borrowers and partner banks.
• Meilleurtaux: One of France's leading mortgage broker brands, offering the same broker-to-bank intermediation model for individual borrowers across many regions.
• Empruntis: Established French mortgage broker and credit comparator; competes in the same intermediary space with brokerage and refinancing services.

Emerging players

• Pretto: Digital-first French mortgage broker offering online rate negotiation; competes on speed and convenience versus traditional local brokers like L'Expert du Crédit.
• BoursedesCrédits: Online French mortgage broker and comparison platform; offers an alternative digital channel that competes with traditional brokerages for the same client base.

Broad incumbents

• Crédit Logement: French mortgage guarantee institution used widely by partner banks; comparable ecosystem player in the French mortgage intermediation chain.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Instagraminstagram.com/lexpertducredit
• LinkedInlinkedin.com/company/lexpertducredit

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

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 L'EXPERT DU CREDIT