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.

Is the investment liquid?

Update on 13/12/2023

Investing in FCT (Fonds Commun de Titrisation) units offered by Younited Credit offers natural, but limited liquidity.

The liquidity of the investment corresponds to the cash generated by the fund’s receivables (monthly repayments, collections, prepayments).

Every month, borrowers pay a monthly instalment on their credit, make early repayments, or repay their monthly instalments late. This represents several thousand deductions, and between 3% and 5% in value of each fund.

Each month, these withdrawals are transferred to the fund; this liquidity contribution makes it possible to :

– Settle investors’ share redemption requests (as a priority)

– If no repayment is requested, cash is reinvested in new loans

In the extreme case of all investors requesting redemption of their shares at the same time, share redemption orders would be executed on a pro rata basis, with each investor receiving between 3% and 5% every month until full redemption.

In practice, investors wishing to exit can request a total or partial redemption of their investment via their investor client area, which will be executed as soon as possible depending on the liquidity available in the funds, after a 30-day notification period.