Younited is a fintech focused on originating personal and consumer loans, primarily in France and Italy. The company runs a digital lending platform that allows it to extend unsecured consumer credit while funding the loans through a mix of retail deposits and structured finance facilities. Its strategy includes regularly refinancing its loan book via public asset-backed securities (ABS) transactions. By combining retail funding with capital-markets instruments, Younited aims to grow its lending capacity and capture market share from traditional banks. Management believes this approach will benefit from Europe’s push to expand credit availability and deepen the securitisation market. The firm’s latest financing underscores its intention to maintain a flexible balance sheet and diversify funding sources.

Total raised

$736M

Funding rounds

7

Latest round

Debt Financing

Latest activity

Oct 2025