Younited SA merges with Younited Financial, a SPAC, to enhance its capital and accelerate growth in the European instant credit market.

Target Information

Younited SA is a prominent European credit institution specializing in instant credit, having successfully served over 1.2 million clients across the European Union since its inception. The company is regulated and employs an innovative technological platform that leverages advanced APIs and artificial intelligence to create a scalable, pan-European instant credit solution that transforms the consumer lending market. Younited is committed to enhancing the financial well-being of European households.

As of 2023, Younited employs approximately 520 individuals and operates in four countries—France, Italy, Spain, and Portugal—with more than half of its loans issued outside of France. By the end of 2023, the company has financed over €6 billion in loans. Younited's offerings are accessible to consumers through two primary channels: direct acquisition and partnerships with merchants and banks, each contributing roughly 50% to the credit production in 2023.

Industry Overview

The consumer credit market in Europe is undergoing significant transformation, driven by technological advancements and increasing demand for instant credit solutions. The industry has witnessed a surge in digital lending platforms that leverage data analytics and