Pretto is a technology company.
Pretto, le courtier en crédit et en assurance, négocie pour vous la meilleure offre de prêt. Avec toute la transparence que vous méritez.
Pretto has raised $57.0M across 3 funding rounds.
Pretto has raised $57.0M in total across 3 funding rounds.
Pretto is a Paris-based fintech company founded in 2017 that provides an AI-powered online platform for simplifying mortgage brokerage in France[1][2][3][4]. It assesses users' financing capacity and interest rates, compares offers from banks, and connects clients with lenders while offering dedicated remote expert support through signing, all free of charge and without commitment[1][2][6]. Serving individual homebuyers frustrated with traditional processes, Pretto solves inefficiencies in mortgage searches by blending digital tools with human assistance, helping clients secure €1 billion in credit annually as a scale-up with around 220-300 employees and nearly €40-43 million in total funding[1][3][4].
Pretto was cofounded in 2017 by Renaud Pestre and Pierre Chapon in Paris (with headquarters listed in Saint-Ouen or nearby), driven by their personal frustration with poor customer experiences during their own home purchases[1][4][5]. The duo aimed to streamline mortgage credit searches, creating a fully online service combining AI algorithms, product design, and expert remote support to make the process simple, efficient, and fair[1][2][6]. Early traction built quickly; by 2022—five years in—Pretto had grown into a scale-up with 220 employees, €40 million raised, and a new B2B white-label service for independent brokers, fueled by financing like from Memo Bank[1].
Pretto rides the fintech wave digitizing real estate finance, particularly mortgages, amid rising demand for transparent, efficient lending in regulated markets like France's[1][2][4]. Timing aligns with post-pandemic remote services boom and AI adoption in consumer finance, countering cumbersome bank processes amid high real estate activity[1][3]. Market forces favoring it include consumer distrust in opaque brokers, regulatory pushes for fairness, and proptech growth, with competitors in AI lending platforms and asset-backed loans highlighting a crowded but opportunity-rich space[2]. Pretto influences the ecosystem by empowering users and brokers, securing €1B+ in annual credit, and setting benchmarks for hybrid models that reduce costs and improve access[1].
Pretto's momentum—€40M+ funding, employee growth to 300+, and B2B pivot—positions it for further scale in Europe's mortgage fintech market, potentially expanding beyond France via AI enhancements and partnerships[1][3][4]. Trends like AI underwriting, embedded finance, and sustainable lending will shape its path, with real estate volatility offering tailwinds for quick, tailored loans[2]. Its influence may evolve by dominating white-label services and inspiring regional proptech, solidifying its role as the go-to for transparent home financing started from founders' firsthand pain.
Pretto has raised $57.0M in total across 3 funding rounds.
Pretto's investors include Serena Capital, Hugues le Bret.
Pretto has raised $57.0M across 3 funding rounds. Most recently, it raised $15.0M Venture Round in October 2024.
| Date | Round | Lead Investors | Other Investors |
|---|---|---|---|
| Oct 1, 2024 | $15.0M Venture Round | Serena Capital, Hugues le Bret | |
| Jan 1, 2022 | $33.0M Series B | Serena Capital, Hugues le Bret | |
| Feb 1, 2019 | $9.0M Series A |