{"id":1049,"date":"2022-10-10T11:34:37","date_gmt":"2026-05-11T17:39:46","guid":{"rendered":"https:\/\/younited.com\/group\/press\/younited-secures-a-e100m-revolving-financing-line-from-natixis-cib\/"},"modified":"2026-05-11T17:54:44","modified_gmt":"2026-05-11T17:54:44","slug":"younited-secures-a-e100m-revolving-financing-line-from-natixis-cib","status":"publish","type":"press","link":"https:\/\/younited.com\/group\/en\/pressroom\/younited-secures-a-e100m-revolving-financing-line-from-natixis-cib\/","title":{"rendered":"Younited secures a \u20ac100m revolving financing line from Natixis CIB"},"content":{"rendered":"
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Younited, the leading instant credit provider in Europe, offers European households – in France, Italy, Spain, Portugal, and Germany – financing solutions for projects and purchases up to 50,000 euros.<\/p>\n\n

Younited relies on an \u201coriginate to distribute\u201d model whereby private debt and public market investors (e.g., banks, asset managers, pension funds, insurance companies) are offered the opportunity to finance GMV originated through Younited\u2019s platform, earning attractive returns on a short duration asset class (below 2 years).<\/p>\n\n

A number of large institutional investors have opted for the investment opportunity and financed most or part of GMV in France, Italy, Spain, and Germany. Notably, Younited secured in 2021 a \u20ac300m transaction with asset manager M&G.<\/p>\n\n

Today, Younited announces the signing of a \u20ac100m revolving financing line from Natixis CIB to fund its French and German originations. Youni ABF-1 (\u201cYounited Asset Backed Financing \u2013 1\u201d) is an innovative instrument which allows Younited to benefit from a \u20ac100m collateralized revolving financing at an attractive rate, while keeping the flexibility required by its focus on continuous portfolios distribution to term investors.<\/p>\n\n

This operation is a further step into Younited\u2019s GMV funding diversification which today relies on (i) investments from private debt and public markets investors, (ii) financing lines and (iii) deposits, with a strong bias towards private debt and public markets.<\/p>\n\n

As Younited reached in H1 2022 the milestone of \u20ac2bn annual GMV run rate, a +95% growth vs. prior year, this operation will contribute to secure funding for the volume growth ahead.<\/p>\n\n

\u201cThis innovative financing line and its revolving nature will offer Younited great flexibility for the funding of the GMV originated through its platform, which mainly relies on distribution to private debt and public markets investors. This operation confirms our ability to fund GMV at an affordable cost, even in the current complex interest rate environment. I want to thank Natixis CIB\u2019s teams that have done a great job helping us design this tailor-made transaction.<\/em>\u201d
\nXavier Pierart<\/strong>, Chief Financial Officer at Younited<\/strong><\/p><\/p>\n\n\n

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