Younited S.A.

Based in Paris, France, and founded in 2009 by co-founders Charles Egly, Geoffroy Guigou, and Thomas Beylot, Younited SA, doing business as Younited Credit, operates as a provider of an online lending platform to facilitate financial transactions. In October 2025, Younited SA raised EUR 400 million in venture debt funding from investor Citi Ventures. As of 2024, the company has a client base including companies like Gamestop, Microsoft, Pixmania, and many more. Younited Credit offers financial services to individuals including amortizing personal loans, extended payment solutions, budget coaching, and term deposits.

The firm also provides banking technology solutions to banks, insurance companies, telecom operators, and more. It uses open-banking APIs to ingest data, enabling customers to avail of loans and credit directly from individual lenders. Younited earns through consumer loan interest, investor fund management fees, partnerships with insurers and banks, and ancillary services like credit cards and current accounts. The company will use the October 2025 funding to increase lending capacity, support refinancing through asset-backed securities, and expand credit access across Europe.