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Zencap AM

20-22 rue Vernier, Paris, Ile-de-France, 75017, France

Overview

One of the French pioneers and leaders in European Private Debt, Zencap Asset Management is the Private Debt specialist subsidiary of French asset manager OFI Group (AUM > € 60bn). Based in Paris, the team was established in 2009 to offer investment solutions in the Private Debt / Direct Lending space, providing its investors with a leading-edge access to real economy financing opportunities in Europe. Within this universe, Zencap AM has progressively expanded from securitized debt into several synergistic business lines in Direct Lending.

Total investments
4
Lead investments
0
Investments · 12mo
1
Active investors
4
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Investment portfolio

  • Amarris

    Participated · Debt Financing · Jul 2026

    Founded in 1999 by Claude Robin, Amarris is an expertise-comptable group that serves more than 50,000 clients and employs over 800 people across 30 sites. The company offers an integrated digital environment including invoice reception and processing, billing software, one-click payments, professional accounts and real-time business dashboards, enhanced by artificial intelligence. Amarris emphasizes technological independence as a strategic differentiator to onboard and integrate acquired firms while preserving client proximity and firm autonomy. It has recently accelerated external growth—adding six structures since Naxicap's entry in November 2025 and generating roughly €20 million of additional activity—while integrating over 230 new collaborators. The group is expanding its presence across regions such as Bretagne, Normandie, Pays de la Loire, Hauts-de-France and Nouvelle-Aquitaine and is pursuing development in Belgium.

  • October

    Participated · Debt Financing · Jan 2018

    Lendix operates an online lending marketplace that matches individual and institutional lenders with companies applying for loans, combining algorithmic credit scoring with human underwriting. The company has built an intelligence tool called Iris to aggregate and parse European open-company data for credit insights and potential fraud detection. Lendix currently serves borrowers and lenders in France, Spain and Italy and has opened local offices in Madrid and Milan. The platform already hosts a mix of users and institutional investors, which the company says makes it easier to launch new markets. Lendix aims to speed up lending decisions (currently delivering rates within 48 hours, targeting half a day) and to differentiate from traditional banks. The company plans rapid geographic expansion across Continental Europe over the coming year. Lendix operates a loan marketplace focused on financing European small and medium-sized enterprises. The platform offers loans ranging from €30,000 to €5 million. Led by founder Olivier Goy and COO Patrick de Nonneville, Lendix uses institutional vehicles to fund originated loans. A prior €90m vehicle closed in July 2017 and lent to nearly 250 European SMEs. The new financing vehicle increases Lendix’s capacity to support the growth of more than 600 SMEs. As part of its rollout, €120m of the new vehicle is already committed and the first loans from it will be made in February. Lendix operates a marketplace that matches individual lenders with small and medium companies, typically managing medium-term loans of 3 to 6 years with annual returns of 4–9% for lenders. In its first year the platform managed $22.5 million (€20 million) in business loans and the average amount lent per loan is about €220. Lendix recently acquired competitor Finsquare, giving it the ability to manage short-term loans in addition to its existing medium-term offerings. The company says some investors have committed additional capital to deploy on the platform, and it plans to use funding to finance more deals. Lendix intends to expand into other European countries, starting with Spain and Italy, and will pursue the required licenses for each market. The startup is positioning itself as a simpler, faster alternative to traditional banks for SMEs and is exploring product ideas such as automated reinvestment, tiered loan portfolios, and a secondary matching market for selling positions.

  • Younited

    Participated · Equity · Sep 2017

    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.

Team

  • Richard Jacquet

    CEO - Founding Partner

  • Hervé Goigoux-Becker

    Private Debt Portfolio Manager - Head of Corporate Credit

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  • Christophe Milliez

    Investment Director

    LinkedIn
  • Guillaume Boucher

    Investment Director

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