Rakete schnell Younited

Younited achieves unicorn status

Following €60 million funding, Younited reaches €1.1 billion valuation

Munich, December 12, 2022: Younited, the European instant loan provider, receives a further €60 million capital raise from its major shareholders Eurazeo, Crédit Mutuel Arkéa, Bpifrance and Goldman Sachs. This brings Younited's valuation to the unicorn1 level of €1.1bn, a significant increase since the last round announced by the company in May 2021.

This fundraising will enable the fintech to continue the development of its "Partnerships" activity and the deployment of its "instant credit" to all of its five geographies.


Michael Herschlein,

CEO of Younited Germany, sees a huge potential for Younited Germany in this funding:

“We want to offer an improved process through a credit decision, that only takes a few seconds. With this advancement and further extensions of our product portfolio, we will reach even more customers and partners in the German market and provide them with a great experience.”

Michael Herschlein, CEO von Younited
Results for 2022: strong growth and convergence towards profitability

Younited confirms its solid results in 2022. The fintech reaches +70% growth to €1.6bn GMV3 (+119% in 2021) and +54% growth to €190m in total revenues4.

This growth and its critical size of nearly one million customers allows Younited to quickly converge towards profitability: Its historical "Direct-to-Consumer" business is achieving a positive net income in France since 2019 and in Italy since 2021 and will become profitable as a group this year.

The fintech's growth is driven by both its "Direct-to-consumer" channel (+50% of GMV in 2022) and its "Partnerships" channel (+185% of GMV in 2022). Launched in France at the end of 2018, Younited offers merchants the opportunity to deploy its credit solution on their platforms, using the unique technologies and over 10 years of expertise of Younited. Financial institutions can also offer a new customized personal loan product just within days on their platforms (websites, mobile apps, and physical branch networks). This second channel has been opened for German partners in 2022.

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¹ Unicorn: a privately held company with an investor valuation of 1 billion US$ or more.

² Open banking is the ability for individuals to share their bank account history. It has been allowed by the second European Payment Services Directive (PSD2).

³ GMV = Gross Merchandise Value = credits financed through Younited platform, excluding SMEs financed by Bpifrance and serviced by Younited.

⁴ Total revenue generated by the platform (of credits on balance-sheet or refinanced by third-party investors).

About Younited and Contact
About Younited

The Younited SA is one of the leading instant credit providers in Europe. Constant innovation, cutting-edge technology and exceptional user experience have allowed nearly a million customers to have access to a fast, simple, transparent and 100% digital credit from €1,000 to €50,000 and loan terms of up to 84 months.

With offices in France, Germany, Italy, Spain and Portugal, Younited generates more than 2 billion euros in yearly GMV, with nearly 50% of its business outside France, where it was founded. In 2021, the company received the EU Fintech Award.

The company has launched the process to become a certified B-Corp. More information: www.younited-group.com

Press relations for Younited Germany: Anna Fink