Covid-19 – Younited Business Solutions is mobilizing alongside Bpifrance to launch a digital platform for the «Prêt rebond » to support French SMEs.

avril 2020

As part of the economic support plan related to the Covid-19 crisis, Younited Business Solutions teams up with Bpifrance to launch and operate a digital platform dedicated to the “Prêt Rebond” offer. Thanks to the support of the French Regions, VSEs and SMEs will be able to strengthen their cash flow in less than 7 days through a 100% online process. Since April 23rd 2020, This platform has been available for business located in the Auvergne-Rhône-Alpes territory and may be extended to other territories who are interested in this platform. To put this emergency facility in place, Bpifrance and Younited Credit, Fintech member of the “Next 40”, have co-built a technological, operational, and financial platform “front-to-back”.

Bpifrance has decided to launch a digital version of the « Prêt Rebond » to reinforce its support to the VSEs & SMEs deployed on the French Region, allowing a 100% online loan subscription for businesses.

In this partnership, Younited Business Solutions ensures contract management between the parties (through digital signature), part of the anti-fraud controls, client relationship as well as the totality of the financial flows (disbursement of funds, direct debits, deadlines management, collection)

Geoffroy Guigou, co-founder & group COO: « We are extremely proud to have been involved, upon request of Bpifrance, in this essential project to support businesses facing the economic downturns related to Covid-19. This partnership is a one-of-a-kind opportunity for Younited Business Solutions, as it enables us to carry out a project of major magnitude in the SME lending sector”.

SMEs from all sectors (restaurants, merchants, artisans, small and medium-sized businesses in manufacturing or services) can easily subscribe for a 0% loan, ranging from 10,000€ to 50,000€, without any fees, that could be reimbursed seven years from now (including 2-year deferred capital). This liquidity loan, cumulative with the State-guaranteed loans (Prêt Garanti par l’Etat, PGE) distributed by traditional banks, do not require any personal guarantee or safety. Thus, it allows businesses to face operations shutdown, cancellations, order delays and longer payment terms. It helps to relieve local businesses liquidities, which are essentials to regional economies, directly impacted by the current health crisis.

This large-scale project was carried out in a record period of 3 weeks and mobilized more than 40 people out of Younited’s 340 employees, alongside the Bpifrance team which led the project. Younited’s historical partners also participated in this public interest project, including Microsoft Azure (Cloud), Universign (electronic signature), Linklaters (legal advice for the structuring of the refinancing scheme).

“This partnership demonstrates the success of Younited Business Solutions “Credit-as-a-Service” and “Credit-as-a-Payment” offers. Historically specializing in personal financing, we are now entering the corporate financing business”, concluded Geoffroy Guigou.

Arnaud Caudoux, Bpifrance deputy CEO completes : “Younited is now a long-standing partner of Bpifrance, the quality of their technology, their responsiveness and their involvement, as well as the very good collaboration between our teams have made it possible to set up this solution very quickly, enabling the Regions of France to intervene locally, in a targeted manner that complements State-guaranteed loans.”

About Younited Credit

Younited Credit is reinventing the consumer loan industry in Europe. Its advanced scoring and credit underwriting technologies allow borrowers to enjoy the easiest online credit application on the market and an ultra-fast answer to their requests for a loan from €100 to €50 000.

Younited Credit is the only European consumer lending platform to be fully authorized and regulated as a Credit Institution. Its innovative refinancing model allows professional qualified investors (both individuals and legal entities: companies, insurers, foundations, pension funds, etc.) to directly finance consumer loans.

The technologies designed by Younited Credit are fully accessible via APIs to partners (banks, insurers, mobile operators, e-merchants) who wish to launch a consumer credit service through its B2B Brand, Younited Business Solutions.

The company has raised more than €165 million of equity, has passported its license in 6 countries (France, Italy, Spain, Portugal, Austria, Germany) and employs 340 staff in Paris, Rom, Barcelona and Munich– of which 100 in the fields of data science, engineering and software development. Younited Credit has originated over 1,6 Bn€ in consumer loans.

Younited Credit has been selected by the French Government among the Next40, a list of 40 French scale-ups with the strongest prospects of becoming global leaders.

About Bpifrance

Bpifrance finances all sizes of businesses and offers a continuum of solutions adapted to every key step in a business’ growth such as: business creation, financing, guarantees or equity investment. Bpifrance has become the one stop shop for entrepreneurs with a vastly comprehensive toolbox (coaching, network and events, accelerators) offered in the field to customers through 50 local branches. They also finance small caps and mid-caps to help those who need help to face their challenges and want to grow as quickly as possible.

More information on: – https ://

Follow us on twitter: @Bpifrance – @BpifrancePresse

Press Contacts

For Younited : Rumeur Publique Agency

Hugues Morette – +33 6 84 51 41 59 –

Pauline Heinrich – +33 6 23 14 68 72 –

For Bpifrance :

Laure Schlagdenhauffen – 01 41 79 85 38 –

Annual Conference.

Younited Business Solutions was pleased to invite 100+ heavyweights from Fintechs, Banks, Insurers, Telcos & E-Commerce (inclunding GAFAMs) to its annual conference to launch Younited's next decade. This conference, hosted in our HQ, was an outright success and we can not wait to host the 2021 event.

  • Paris, Fr
  • January 2020
  • Lending of tomorrow
  • 100+ decision makers