Finamur

Finamur is a France-based provider of real estate leasing (crédit-bail immobilier) aimed at businesses and professionals rather than consumers, structuring financing as a long-term lease with a purchase option on the property at the end of the term. The product is typically used to acquire, build, or renovate commercial premises, industrial sites, medical offices, or mixed-use professional property, with maturities commonly ranging from about 7 to 15 years, possible initial contributions or VAT prefinancing depending on the file, and security that generally includes a first-ranking mortgage, assignment of insurance proceeds, and, where applicable, pledges over rents or corporate guarantees. Pricing is not standardized publicly; total cost depends on the property type, tenant quality, lease term, residual value, collateral, and the client’s financial profile, and usually includes an interest margin, arrangement fees, notary and registration costs, valuation reports, and potential early repayment or partial prepayment penalties. Eligibility is assessed on cash-flow coverage, asset quality, and balance-sheet metrics; decisions rely on appraisals and due diligence, and timelines can span several weeks to months given notarial and technical checks. The model can offer balance-sheet and tax specificities under French accounting rules, though lessee capitalization requirements may apply under IFRS; clients should obtain accounting and legal advice. Finamur does not operate as a retail bank, does not take deposits, and deposits are not in scope of any deposit guarantee scheme; the exposure is a leasing commitment secured on real estate and subject to credit, interest-rate, and asset-market risks, as well as costs if the lease is terminated early or the property underperforms. Service typically runs through relationship managers and standard documentation rather than self-serve digital onboarding.