French mortgage broker Pretto has opened its capital to independent brokers within its Pretto Galaxie network for the first time, resulting in 21 out of 28 eligible agents becoming shareholders with a total investment of 400,000 euros.
Capital Opening Details and Participation Rates
The first equity-sharing operation achieved a 75% participation rate among eligible members of the Pretto Galaxie network. Individual investments ranged from 10,000 to 50,000 euros. Co-founder and co-CEO Pierre Chapon stated that opening the capital aligns the interests of the group with its independent entrepreneurs without undermining their business autonomy.
Unlike traditional franchise or affiliation models common in the brokerage sector, this equity structure directly associates independent professionals with the group’s value creation. Pretto plans to hold future capital openings to allow additional mandatories to buy shares once they meet specific performance thresholds.
Eligibility Criteria for Broker Shareholders
Participation in the equity offering was restricted to maintain strict standards. According to Pretto, eligible brokers needed to achieve an annual production volume of at least 150,000 euros or maintain a mentoring activity exceeding 25,000 euros. Candidates were also required to meet the group’s compliance rules and engagement commitments.
By including mentoring as an equal criterion alongside commercial output, Pretto rewards experienced brokers who train newcomers. Company executives designed these thresholds to ensure that only established professionals commit resources to the firm’s equity.
Growth of the Pretto Galaxie Network
Launched in 2022, Pretto Galaxie has expanded rapidly alongside the parent company’s remote advisory services. The independent broker network now exceeds 400 mandatories, up from approximately 300 a year earlier, according to company data. In 2026, the ecosystem accounts for more than 1,3 billion euros in credit production.
The network expansion occurs as independent agent models gain market share within the French real estate and brokerage sectors. Pretto reports that it has doubled its market share and revenue since 2022, even as the broader French mortgage financing market contracted during the same period.
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