agricourtage
Agricourtage is a French independent agricultural banking brokerage firm that structures, negotiates, and secures financing plans for farmers across France, combining fixed-fee advisory services with success-based commissions under regulated ORIAS/ACPR intermediary status.
- Company typePrivate
- Founded2018
- HeadquartersMûr-de-Bretagne (Guerlédan), France
- Headcount—
- GTM typeB2B
- OfferingServices
What agricourtage does
Agricourtage (legal entity EURL AGRICOURTAGE, RCS Saint-Brieuc 102 230 729) is a privately held French independent banking brokerage firm founded in 2018 and headquartered in Mûr-de-Bretagne (Guerlédan), Brittany, with registered capital of €10,000 and a team of approximately four named professionals led by Benjamin Roudiere. The company is exclusively dedicated to agricultural financing, acting as a regulated intermediary (COBSP/IOBSP, ORIAS number 18004146, supervised by ACPR) under French Monetary and Financial Code Article L.519-2. Agricourtage provides two integrated service lines to farmers and agricultural operators across France: a fixed-fee financial-engineering advisory offering (Conseil et structuration) priced across three tiers from €1,200 to €2,300 plus VAT, and a commission-based brokerage and negotiation service (Courtage et négociation) charging a 2% degressive commission with a €3,000 minimum, payable only upon successful fund disbursement.
The firm's core methodology rests on a proprietary scoring tool called Agriscoring, developed since 2018 and exposed publicly via agriscoring.fr, which evaluates agricultural projects across promoter profile, operational quality, and financial coherence before they are presented to partner banks. Distribution is delivered through direct advisory consultation (initial phone contact, on-site farm visits), a digital qualification extranet (extranet.agricourtage.fr), and a curated nationwide partner network spanning agricultural banks, land-carrying operators (Terrafine, SAFER/ELAN, Terre de Liens, FEVE, Hectarea), participatory financing (Miimosa), farm-takeover platforms (Eloi), equipment financiers (Novalend, Primotera, Delaval), and insurance carriers (Swiss Life, MetLife, April, UGIP Assurances). The firm also operates a borrower insurance delegation service and, as of March 2025, launched Agriwidz, a free ChatGPT-based conversational assistant for agricultural economic management.
Agricourtage's business model combines professional-services advisory fees with transaction-based brokerage commissions, the latter being VAT-exempt under Article 261 C of the French General Tax Code and legally constrained from collection prior to fund disbursement under Article L.519-6. Since inception the firm reports facilitating more than 100 agricultural projects and over €50 million in financing volume, with stated nationwide coverage across all French regions and no disclosed institutional ownership or external funding rounds.
agricourtage firmographics
Firmographics- Name
- agricourtage
- Legal name
- EURL AGRICOURTAGE
- Website
- https://agricourtage.fr
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Short description
- Agricourtage is a French independent agricultural banking brokerage firm that structures, negotiates, and secures financing plans for farmers across France, combining fixed-fee advisory services with success-based commissions under regulated ORIAS/ACPR intermediary status.
- Ownership category
- akta.pro rank
agricourtage industry classification
Industry- Product category
- Agricultural Banking Brokerage
- NAICS
- Sales Financing (52222)
- SIC
- Agricultural Services (700)
- akta.pro primary industry
- Capital Projects & Farm Expansion Advisory (Feasibility, Site Planning, ROI) (AFACAJAN)
- akta.pro secondary industries
- Farm Finance, Input Procurement & Risk Tools (Budgeting, Inventory, Insurance Links) (AFAAAFAO), Whole-Farm Business Management & Budgeting Advisory (AFACAJAA), Farm Technology Enablement & Data Integration Advisory (FMIS/ERP, IoT, Decision Support) (AFACAJAG)
Keywords
Where agricourtage is headquartered
LocationHeadquarters
- HQ city
- Mûr-de-Bretagne (Guerlédan)
- HQ country
- France
- HQ region
- Europe
Offices2 records
Markets served
agricourtage business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Advisory and Consulting Services: Fixed-fee advisory missions for financial structuring and feasibility analysis. Three formulas offered: F1 (Optimization from €1,200 HT, 48-72 working hours), F2 (Structuring from €1,800 HT, 5-7 working days), F3 (Complete support from €2,300 HT, 7-10 working days). VAT applicable at 20%.
- Brokerage and Negotiation Commission: Success-based commission only charged when financing is effectively disbursed. Commission is 2% degressive based on amount financed, with a minimum of €3,000. Exempt from VAT per Article 261 C, 1° a of the General Tax Code. Commission calculated on actually disbursed amount, not requested amount.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | F1 — Financing Optimization: from €1,200 HT, 48-72 working hours |
| One time/ perpetual license | Pay-as-you-go | F2 — Structuring and Strategy: from €1,800 HT, 5-7 working days |
| One time/ perpetual license | Pay-as-you-go | F3 — Complete Support: from €2,300 HT, 7-10 working days |
| Transaction based/ take rate | Multi-year contract | Brokerage Commission: 2% degressive, minimum €3,000 |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
agricourtage product offering
Product offeringCore offering
Agricourtage is an independent agricultural banking brokerage firm that structures, negotiates and secures financing plans for agricultural projects across France, from initial study to fund disbursement. The firm provides financial engineering advisory services (feasibility analysis, bankability scoring, financing plan construction) and banking intermediation (multi-bank tendering, rate negotiation, guarantee and insurance coordination). Its proprietary Agriscoring tool assesses project bankability, and a free ChatGPT-based AI assistant (Agriwidz) extends the service to real-time economic analysis for farmers.
Product overview
Agricourtage is an independent agricultural banking brokerage firm offering two integrated service lines: (1) Conseil et structuration — fixed-fee financial engineering and advisory (F1/F2/F3 tiers from €1,200) covering feasibility analysis, bankability scoring, and financing plan construction via its proprietary Agriscoring.fr tool; and (2) Courtage et négociation — commission-based banking intermediation (2% degressive, payable only on fund disbursement) covering loan instruction, mise en concurrence, and negotiation. Both phases are powered by the Agriscoring methodology and supplemented by an integrated borrower insurance delegation service. Agriwidz, a free ChatGPT-based AI assistant launched in March 2025, extends the offering by providing real-time economic analysis, investment simulations, and personalised Agriscore ratings for farmers.
Differentiator
Problem solved
Functional benefit
Brands
- Agriscoring.fr: Free scoring tool developed by AgriCourtage since 2018 to evaluate the solidity of agricultural projects before presenting to lenders.
- Agriwidz
Products and services
- Conseil et structuration (Advisory and Structuring) Fixed-fee financial engineering and advisory service covering feasibility analysis, bankability diagnosis, scoring using Agriscoring.fr, financing plan structuring, and consolidation recommendations. Delivered in three tiers: F1 Optimization from €1,200 HT, F2 Structuring from €1,800 HT, and F3 Complete Support from €2,300 HT. For farmers and agricultural operators needing financing plan structuring.
- Courtage et négociation (Brokerage and Negotiation) Commission-based banking intermediation and negotiation service acting exclusively on client mandate under Article L.519-2 of the Monetary and Financial Code. Covers loan instruction, competitive tendering of financial partners, negotiation of rates, guarantees, insurance and duration, and coordination of all parties through to fund disbursement. Commission is 2% degressive (minimum €3,000, VAT-exempt), calculated on actually disbursed amount. For farmers and agricultural operators seeking any form of agricultural credit.
- Agriscoring.fr Proprietary free online scoring tool that evaluates the financial solidity and bankability of agricultural projects. Analyses three dimensions: project promoter profile, economic and operational quality of the project, and financial coherence of the overall plan. Positioned as the starting point for client qualification and project feasibility assessment. For farmers and agricultural operators.
- Assurance emprunteur agricole (Agricultural Borrower Insurance) Borrower insurance delegation service integrated into the brokerage mission. Compares offerings from specialist agricultural insurance partners (Swiss Life, MetLife, UGIP Assurances, April) to optimize coverage and reduce cost vs. bank group contracts, leveraging laws Lagarde and Lemoine. Potential savings of €15,000 to €30,000 on a €500,000 loan over 20 years. For farmers and agricultural borrowers.
- Agriwidz Free AI-powered ChatGPT-based conversational assistant dedicated to agricultural economic management. Provides financial analysis of balance sheets and projections, investment simulations, personalised Agriscore rating, land purchase vs. leasing comparison, and instant technico-economic advisory. For farmers and agricultural operators seeking economic management guidance.
Quantifiable outcome
- Over 100 agricultural projects successfully financed since 2018
- +2 more outcomes
Companies that use agricourtage
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
agricourtage technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability5 records
Feature2 records
agricourtage partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core, supporting and minor.
- TerrafinecoreLand carrying operator specializing in transferable lease (bail cessible) model. Enables farmers to acquire rights to agricultural land on their balance sheet without mandatory purchase. Also offers lease-back solutions for existing farmer-owners.
- SAFER - Fond ELANcorePublic land operator with legal preemptive rights. Offers temporary land carrying via ELAN fund for agricultural installations. Key partner for securing agricultural land access.
- MiimosasupportingParticipatory financing platform dedicated to agriculture. Alternative funding source for agricultural projects, complementing traditional bank financing.
- EloisupportingPlatform for farms to take over across France. Online marketplace connecting farm sellers with prospective buyers, complementing financing services.
- Swiss LifesupportingInsurance partner for borrower insurance delegation. Specialized insurance solutions for agricultural profiles at competitive rates versus bank group contracts.
- MetLifesupportingInternational insurance partner for borrower insurance and protection solutions. Offers competitive alternatives to bank group insurance for agricultural borrowers.
- AprilsupportingFrench insurance broker offering borrower insurance solutions. Partner for insurance delegation services on agricultural loans.
- UGIP AssurancessupportingAgricultural insurance specialist. Partner for borrower insurance and protection solutions tailored to agricultural sector needs.
- NovalendsupportingSpecialized lender for agricultural and rural financing. Alternative banking partner for agricultural project financing.
- PrimoterasupportingAgricultural equipment financing partner. Specialized in financing solutions for agricultural machinery and equipment.
- Agri ImmosupportingAgricultural real estate platform. Partner for farm and agricultural property listings and transactions.
- Avenir ConseilsupportingInsurance and financial advisory partner. Provides additional expertise for insurance solutions in agricultural context.
- DelavalminorAgricultural equipment manufacturer (milking systems). Equipment financing partner for dairy farm projects.
- Terre de LienssupportingNon-speculative land carrying organization. Promotes land as commons, offers career leases (bail de carrière) for organic or peasant farming. Alternative model for farmers without patrimony ambition.
- FEVEsupportingAgricultural land investment company. Temporary land carrying with mandatory buyback option for farmers with investment capacity.
- HectareasupportingAgricultural land investment platform. Alternative land carrying option for qualifying projects.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
agricourtage competitors and assessment
Company assessmentDirect peers
- Pretto: Leading French online mortgage and credit broker. Directly comparable business model — independent intermediary that structures, negotiates, and arranges credit on behalf of clients using a mix of digital tooling and human advisory. Lacks Agricourtage's agricultural specialisation but is the closest analogue in the French intermediation-in-banking space.
- Meilleurtaux: France's largest mortgage/credit broker with a multi-product intermediation model including insurance delegation. Operates the same intermediary mission (mise en concurrence, rate negotiation, insurance delegation) as Agricourtage, with broader scope but no agricultural specialisation.
- Younited Credit: French fintech nondepository credit intermediary offering consumer and SMB credit online. Comparable credit-intermediation model with proprietary scoring and a digital-first GTM; less agricultural specialisation but competes for the same brokered-financing mindshare.
- CerFrance: Major French network of agricultural management advisors providing accounting, financial analysis and advisory to farmers. Overlaps directly with Agricourtage's structured advisory products (F1/F2/F3 financing studies) and is identified as a referral partner for pre-qualified clients.
- Artémis Courtage: Independent French banking and insurance broker with multi-product intermediation (mortgages, professional financing, insurance delegation). Comparable regulatory status as IOBSP and a similar commission-driven revenue model, though broader in industry focus than Agricourtage.
- Empruntis: Established French credit broker (mortgages, consumer loans, regrouping of credit) operating a multi-channel intermediation model. Same regulatory IOBSP status, similar commission structure, and similar client mandate approach as Agricourtage, but with no agricultural specialisation.
Broad incumbents
- Crédit Agricole: France's largest mutual agricultural bank and historic incumbent in farm financing. Represents the embedded alternative to using Agricourtage: farmers can go directly to Crédit Agricole's agri desks for loans, land financing and equipment credit, making it the dominant competitive incumbent.
- Banque Populaire / Crédit Maritime: BPCE group's retail-banking arm with the Crédit Maritime network historically focused on coastal and fishing communities. Represents a regional banking incumbent that competes on agricultural and maritime lending and is one of the partner banks Agricourtage presents files to.
Others
- Terrafine: Specialised agricultural land-carrying operator partnering with Agricourtage on the bail cessible model. Adjacent rather than competitive — they originate land-carrying mandates that Agricourtage complements with bank financing — but operates in the same agri-finance ecosystem and could expand into financing intermediation.
- Miimosa: Leading French participatory-financing platform dedicated to agriculture, partnered with Agricourtage. Provides an alternative funding source (crowdfunding) that Agricourtage routes deals to, rather than direct competition, but represents a comparable agri-finance specialist with a distinct funding model.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
agricourtage social profiles
Digital presenceagricourtage compliance and trust
Trust signalCompliance1 record
agricourtage financial estimates
Financial estimateRevenue estimate
Valuation estimate
agricourtage leadership team
Management profileNumber of profiles
Profiles5 records
agricourtage funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
agricourtage 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 agricourtage
What does agricourtage do?
Agricourtage is an independent agricultural banking brokerage firm that structures, negotiates and secures financing plans for agricultural projects across France, from initial study to fund disbursement. The firm provides financial engineering advisory services (feasibility analysis, bankability scoring, financing plan construction) and banking intermediation (multi-bank tendering, rate negotiation, guarantee and insurance coordination). Its proprietary Agriscoring tool assesses project bankability, and a free ChatGPT-based AI assistant (Agriwidz) extends the service to real-time economic analysis for farmers.
Is agricourtage a public or private company?
agricourtage is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was agricourtage founded?
agricourtage was founded in 2018.
Where is agricourtage based?
agricourtage is headquartered in Mûr-de-Bretagne (Guerlédan), France, in the Europe region.
How does agricourtage make money?
Two revenue lines are on record. Advisory and Consulting Services are the primary driver. The others are brokerage and Negotiation Commission.
Who are agricourtage's main competitors?
Direct peers on record are Pretto, Meilleurtaux, Younited Credit, CerFrance, Artémis Courtage and Empruntis. Broad incumbents are Crédit Agricole and Banque Populaire / Crédit Maritime. Others are Terrafine and Miimosa.
Does agricourtage have an API?
No public API is recorded for agricourtage.
What industry is agricourtage in?
agricourtage's product category is Agricultural Banking Brokerage. Its primary akta.pro industry code is AFACAJAN, Capital Projects & Farm Expansion Advisory (Feasibility, Site Planning, ROI), with a secondary code of AFAAAFAO, Farm Finance, Input Procurement & Risk Tools (Budgeting, Inventory, Insurance Links). Its NAICS code is 52222 and its SIC code is 700.