Empruntis

Established in 2000 by Vincent Lemaire, Geoffroy Bragadir, and Yann Djenderedjian, Empruntis operates as a prominent online broker in the French financial services market. The company provides a digital platform for comparing and securing a variety of financial products, positioning itself as an intermediary between consumers and financial institutions. Its core service is facilitating access to mortgages, consumer credit, and debt consolidation solutions, complemented by a suite of insurance products including loan, auto, and motorcycle coverage.

The business model is centered on partnerships with an extensive network of over 100 banks and 35 insurance companies across France. Revenue is generated through commissions paid by these partners when a customer finalizes a loan or insurance policy through the Empruntis platform. This model allows the company to offer a wide selection of financial offers to its users. A key operational aspect is the integration of its web-based comparison tools with personalized support from a team of approximately 150 specialized advisors who guide clients through the application and decision-making process.

A significant milestone in the company's trajectory was its acquisition by Covéa, the holding company for major French insurers MMA, MAAF, and GMF, in January 2009. This strategic move integrated Empruntis into a larger insurance and financial services conglomerate. Further expanding its market footprint, Empruntis acquired the brokerage network Broker France in December 2010. This acquisition added a physical presence through a network of 35 franchised agencies, creating a multi-channel service that combines digital efficiency with in-person consultation.

Keywords: online brokerage, financial services, mortgage comparison, consumer credit, debt consolidation, loan insurance, financial marketplace, FinTech, insurance brokerage, credit intermediation