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The future of lending.

Leverage the platform of a European leader in digital lending to help your business grow. Younited Business Solutions brings you the best in credit: state-of-the-art UX to facilitate the access to lending services and embrace the seamless payment methods of tomorrow.

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We bring our historical leadership in digital lending to financial institutions wishing to launch a credit product or transform all or part of its value chain.

Designed for Financial Institutions
Banks – Credit institutions – Insurers


We provide merchants with the opportunity to use credit as a smooth payment method, enabling their customers to spread costs in a few clicks.

Designed for Online & Physical stores
Retailers – Marketplaces – Telcos – PSPs
French Telco, +20 millions customers

Free wished to create a subscription-like offer for their smart sound system designed by Devialet. They required to quickly deliver a revolutionary financing solution to sustain their volume ambitions.

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Leading European mobile bank, operating in 30 countries

N26 was looking for a credit specialist, capable of delivering a 100% online full credit activity, within a few months, that would meet their highest UX standards.

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« We were looking to complement our insurance products with a credit offer that would help us scale our business in continental Europe. Younited was able to launch our fully digital personal loan product in record time! We can’t wait for the next steps of this collaboration. »

Alessandro Castelli, Co-founder & Head of Innovation
Conte.it – Admiral Group

« We were able to integrate a completely transparent digital financing offer in Free’s website which has certainly contributed to make this offer a success »

Xavier Niel
Founder of Iliad-Free


«This is the only digital lending platform who can absorb high volumes while performing a good credit scoring, and they are able to make it available to partners»

Arnaud Caudoux
Deputy CEO, Bpifrance.

« The delivery was done very smoothly between Younited teams in Paris and N26 teams in Berlin. As European fintechs, our common DNA has allowed us to discuss easily and launch a product within 3 months »

Jeremie Rosselli
General Manager France, N26
An end-to-end solution
to meet your clients’ financing needs.
100% digital & omni-channel
customer journey

Customers can fill out the form, sign their documents and upload their credentials directly from their smartphone.

Smart decisioning technologies
automating the credit process

Our innovative credit scoring uses machine learning and AI to enable faster, better decisions.

the Open banking revolution

Full-blown incorporation of the PSD2 data to improve customer experience and increase efficiency.

The human expertise
of a market shaper in digital lending

Take advantage of the Younited teams’ experience in the orchestration of the credit lifecycle: risk advisory, data science, operational processes.

An optional & tailor-made
refinancing scheme to fund the loans

The partner can exert full control over the financing offer characteristics by funding their loan origination through dedicated vehicles built and managed by YBS.

Flexible as a fintech.

Single, cloud-based and API-modular tech platform

Bringing projects to life in weeks, not in years

Reshaping the UX standards of the industry

Robust as a bank.

All guarantees and trustworthiness of an ECB-regulated bank

Leveraging a 10-year leadership in digital lending in Europe

An expert in optimizing acceptance rates as well as cost of risk

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