Please note! This investment product is intended for professional investors only. There is no capital guarantee and performance is not guaranteed.

To access this information, please confirm that you are a professional investor.
A professional client is a client who has the experience, knowledge and competence to make his or her own investment decisions and correctly assess the risks involved. Please ensure that you are a professional investor by referring to article L. 533-16 of the French Monetary and Financial Code.
The information available on the website does not constitute an offer to subscribe or a personalised recommendation. Younited Credit may not be held liable following consultation of this information.

What level of guarantee does Younited Credit offer?

Update on 13/12/2023

The level of guarantee differs according to the investment product.

– Term accounts are investments guaranteed by Younited (capital and interest), and eligible for the Fonds de Garantie des Dépôts et de Résolution (up to 100,000 euros)

– Units in securitization mutual funds (FCT) are not guaranteed (in capital or interest).

Concerning units in securitization mutual funds (FCT) :

The investment is not guaranteed, and the product’s level of performance depends on the repayment of the receivables held in the fund’s assets.

Nevertheless, Younited has implemented a strict risk management policy to ensure the quality of the borrowers financed, and consequently the product’s performance.

As part of its risk management, Younited Credit has put in place the following 3 mechanisms:
1° – a strict selection of Borrowers, with a scoring model and a granting policy based on best practices
2° – a rigorous policy for recovering unpaid loans
3° – the implementation of a mutualization system allowing Borrowers’ unpaid loans to be shared among all Investors (operation by “funds”).

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