Can client fees and bank commission be combined?

Yes, it is the dominant model, provided the client is transparently informed of both remunerations in the mandate and the final disclosure. Some bank agreements cap or exclude the commission when client fees are charged: check each agreement.

How to handle splits with sub-agents?

Networks and firms split remuneration between the structure and sub-agents (MIOBSP) under contractual rules: percentage of total revenue, production tiers, bonuses. The operational difficulty is tracking: expected commissions per bank, statement gaps, payouts. That is precisely CourtImmo’s invoicing and commissions module: every expected euro is reconciled with every received euro.

What does a broker risk by charging before funding?

Criminal penalties (article L.571-16 of the monetary code punishes violations of L.519-6), ACPR sanctions, ORIAS removal and nullity of the collected fees. No business model justifies that risk: enforce the lock with tooling. In CourtImmo, the fee invoice technically cannot be issued until the file reaches the funds-released status.

Indicative estimateBroker tool

Brokerage fee calculator

A calculator for credit brokers: model your fees as a percentage of the capital or as a flat amount, add the bank commission from your agreement, and get your total revenue per file. The computation includes your fees in the client’s APR and checks that the financing plan stays under the usury ceiling: your remuneration must fit, not sink the file.

Your situation

Loan amount (€)

€

Annual nominal rate (%)

Term (years)

Annual insurance rate (%)

Billing mode

Fees (% of capital)

Flat minimum (€)

€

Bank commission (% of capital)

Per your agreement: usually 0.5 to 1%.

Upfront costs excluding brokerage (€)

€

File fees + guarantee + other mandatory costs.

Total file revenue

€4,250

Client fees

€2,500

Bank commission

€1,750

APR without your fees

3.96%

APR with your fees

4.08%

Category usury ceiling : 6.40%

Under the usury ceiling: financeable

Reminder: no sum may be collected before funds are actually released (art. L.519-6 of the French monetary code).

The broker’s two revenue sources

An IOBSP broker’s remuneration combines client fees, freely set but framed (usually 0.8 to 1.5% of the capital, often with a flat minimum around €1,500 to €2,000), and the bank commission set by the partnership agreement, generally 0.5 to 1% of the released capital, sometimes capped. Both must appear in the mandate and be disclosed to the client transparently: combining them is legal, opacity is not.

The golden rule: nothing before fund release

Article L.519-6 of the French monetary code forbids collecting any sum from the client before funds are actually released. No deposit, no upfront file fee, whatever the wording. Invoicing only triggers at funding: it is a regulatory lock your management tool should enforce technically, not merely mention.

Your fees enter the client’s APR

As soon as intermediation conditions loan access, brokerage fees enter the APR. On a small capital or short term, standard fees can be enough to approach the usury ceiling and make the file unfinanceable as is. The calculator displays the APR with and without your fees: you immediately see the available margin and can adjust your grid before bank submission.

Frequently asked questions

The French market mostly sits between 0.8% and 1.5% of the borrowed capital, with a flat minimum for small files. The right level depends on your added value (file complexity, debt consolidation, non-standard profiles) and on the available usury margin. What matters is a consistent grid, justified in the mandate.

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Indicative estimate. Results are provided for information only, based on dated scales, with no contractual value. They are neither a credit offer nor personalized advice. No entered data is stored or transmitted. A loan commits you and must be repaid: check your repayment capacity before committing.