Best Alternative Lending Companies in France
The 142 best Alternative Lending companies in France in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: October.
France's Alternative Lending sector gets a proper accounting here: 142 companies tracked, ranked by disclosed equity funding and recent momentum, with Younited ($344M) and Silvr ($327M) sitting well clear of the pack.
Those two alone explain most of the $1.7B in total disclosed funding across the directory, and the gap to third place is steep. Pretto at $60M, Defacto at $30M, the rest trailing. No unicorns yet, but the investor roster tells you where conviction is forming: Bpifrance, Eurazeo, Kima Ventures, and Citi are all active here, which isn't a casual mix. The global market is pegged at roughly $2.4B (2023) and growing at 14.4% CAGR, driven by demand from both individuals and businesses who've run out of patience with traditional credit rails. And as one recent read on the sector makes clear, the question for incumbents isn't whether alternative lenders compete with banks but how fast that line blurs. France's funding distribution, concentrated and steep, suggests the market's already sorting itself out. I'd watch that middle tier closely if you're trying to spot what moves next.
Ranked: Best Alternative Lending companies in France
| # | Company | Disclosed funding | Last round | Employees | Founder | Tech stack | Web popularity | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | October P2P platform for business loans | $391M | 68 mo ago | 101 | Olivier Goy Co-Founder & CEO | WordPress Block EditorWordPressMySQL+27 | Top 5M | — |
| 2 | Younited Online lending platform for POS financing 64Customers top 7%Funding top 19%Talent top 28%Growth top 35% All 10 signals ▾Customerstop 7% Fundingtop 19% Talenttop 28% Growthtop 35% Techtop 45% Producttop 47% Moattop 48% Newsbottom 41% Marketbottom 39% Globalbottom 36% Customers: App rating 4.7★ (1,071 reviews) Funding: Raised $344M across 8 rounds · 8 rounds over 16 yrs (0.5/yr) rank vs industry peers · Fliar Intelligence Index 64/100 | $344M | 8 mo ago | — | Geoffroy Guigou Co-founder | WordPressMySQLPHP+35 | Top 1M | — |
| 3 | Silvr Online lending platform providing financing solution for e-commerce businesses 42Funding top 29%Tech top 34%Moat top 35%Talent bottom 49% All 8 signals ▾Fundingtop 29% Techtop 34% Moattop 35% Talentbottom 49% Marketbottom 46% Globalbottom 36% Growthbottom 35% Newsbottom 27% Funding: Raised $327M across 4 rounds · 4 rounds over 6 yrs (0.7/yr) Tech: 41 technologies across 5/8 capability areas · Cloud: Cloudflare, Google Cloud rank vs industry peers · Fliar Intelligence Index 42/100 | $327M | 35 mo ago | 113 | Nima Karimi Co-founder & CEO | WebflowApple iCloud MailGoogle Workspace+27 | Top 5M | — |
| 4 | Alma Provider of SaaS-based trade financing solutions | $205M | 52 mo ago | 466 | Louis Chatriot Co-Founder & CEO | DatoCMSNode.jsHeadless UI+22 | Top 500k | — |
| 5 | Pledg Online payment financing solutions for e-merchants | $100M | 63 mo ago | 45 | Nicolas Pelletier Co-Founder | SentryZendeskApple iCloud Mail+17 | Top 1M | — |
| 6 | Pretto Online marketplace for residential mortgage loans 60Tech top 22%Funding top 31%Moat top 31%Market top 45% All 8 signals ▾Techtop 22% Fundingtop 31% Moattop 31% Markettop 45% Producttop 46% Customerstop 48% Growthtop 49% Globalbottom 36% Tech: 42 technologies across 6/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 Funding: Raised $59.9M across 4 rounds · 4 rounds over 9 yrs (0.4/yr) rank vs industry peers · Fliar Intelligence Index 60/100 | $60M | 20 mo ago | 170 | — | Salesforcestyled-componentsReact+15 | Top 500k | — |
| 7 | Empruntis Financial products comparison platform | $32M | 235 mo ago | 100 | Vincent Lemaire Co-Founder | CloudflareMatomo AnalyticsLinkedin Insight Tag+10 | Top 100k | 2 job openings · 1 expansion |
| 8 | Defacto Cloud-based solution for invoice financing 48Talent top 28%Funding top 29%Moat top 31%Growth top 35% All 10 signals ▾Talenttop 28% Fundingtop 29% Moattop 31% Growthtop 35% Techtop 38% Globalbottom 43% Innovationbottom 40% Patentsbottom 37% Marketbottom 27% Newsbottom 24% Talent: 3 named leaders on record · 3 C-suite/founder profiles curated Funding: Raised $30.2M across 6 rounds · 6 rounds over 5 yrs (1.2/yr) rank vs industry peers · Fliar Intelligence Index 48/100 | $30M | 9 mo ago | 20 | Morgan hana Co-Founder | SentryApple iCloud MailGoogle Workspace+20 | Top 5M | 1 expansion |
| 9 | Finexkap Online invoice financing platform | $28M | 84 mo ago | 14 | — | — | — | — |
| 10 | Meilleurtaux App-based comparison platform for life and non-life insurance & loans | $22M | 112 mo ago | 2,471 | Herve Hatt CEO | JoomlaApple iCloud MailMicrosoft 365+27 | Top 50k | — |
| 11 | Baobab Financial services company offering tailored solutions for financially underserved entrepreneurs and SMEs 64Product top 30%Market top 34%Innovation top 39%Funding top 39% All 10 signals ▾Producttop 30% Markettop 34% Innovationtop 39% Fundingtop 39% Growthtop 39% Techtop 39% Moattop 39% Customerstop 47% Talentbottom 49% Globalbottom 38% Product: 9 distinct product lines · 3 published apps (854k installs) Market: 4,301 employees (top 2% of FinTech) · Top-1,000,000 web property rank vs industry peers · Fliar Intelligence Index 64/100 | $17M | 19 mo ago | 4,301 | Philip Sigwart CEO | WordPressMySQLPHP+25 | Top 1M | — |
| 12 | Unilend P2B lending platform for business loans | $11M | 117 mo ago | 15 | — | — | — | — |
| 13 | Mipise Online platform offering crowdfunding and asset management solutions | $11M | 28 mo ago | 30 | Michel Ivanovsky Founder and chairman | CodeMirrorRubyErlang+30 | Top 5M | 1 partnership |
| 14 | Mansa Online marketplace for self-employed and freelancers | $9M | 63 mo ago | 38 | — | — | — | — |
| 15 | Rosaly Online platform for employee financial benefits | $9M | 45 mo ago | 23 | Allan Simon CTO & Founder | WebflowCart FunctionalityPlausible+22 | Top 5M | 2 partnerships |
| 16 | FinFrog Online lending platform for personal loans | $9M | 71 mo ago | 25 | Riadh Alimi Founder & CEO | Node.jsRadix UITailwind CSS+18 | Top 500k | — |
| 17 | WeShareBonds P2B financing platform | $7M | 103 mo ago | — | Yoann Coumes-Gauchet Co-founder & COO | SalesforceSalesforce Service CloudZURB Foundation+18 | Top 5M | — |
| 18 | Creancio Invoice factoring services for SMEs. | $7M | 126 mo ago | — | Catherine Gerst CEO & President | — | — | — |
| 19 | Youdge Online comparison platform for consumer loans | $6M | 52 mo ago | 16 | Laurent Chemla Co-Founder | DrupalPHPBootstrap+28 | Top 500k | — |
| 20 | Unlimitd Online platform for revenue-based financing | $6M | 54 mo ago | 24 | Ilan Ducret Co-founder & CTO | StoryblokHeadless UITailwind CSS+21 | Top 10M | — |
| 21 | JeChange.fr Aggregator of insurance, savings accounts, and loan products | $5M | 118 mo ago | 80 | — | Cart FunctionalityDrupalPHP+18 | Top 500k | — |
| 22 | Karmen Online platform for revenue-based financing 40Growth top 35%Tech top 39%Moat top 39%Funding top 43% All 8 signals ▾Growthtop 35% Techtop 39% Moattop 39% Fundingtop 43% Talentbottom 49% Globalbottom 38% Marketbottom 29% Newsbottom 18% Growth: Fresh capital in last 24 mo Tech: 35 technologies across 5/8 capability areas · Cloud: Amazon Ses, Amazon Web Services rank vs industry peers · Fliar Intelligence Index 40/100 | $4M | 16 mo ago | 20 | Baptiste Wiel Co-founder & COO | WebflowAmazon Web ServicesHubSpot+22 | Top 5M | — |
| 23 | Hyppo Provider of alternative financing solutions for high-net-worth individuals and businesses | $3M | 33 mo ago | — | Florent de Serra Co-Founder & CEO | Node.jsGoogle MapsRadix UI+25 | Top 10M | 1 launch · 1 partnership |
| 24 | Spayr Cloud-based employee financial benefits platform for enterprises | $3M | 38 mo ago | 8 | Pierre Olive Co-Founder - CTO | WebflowVimeoPlausible+14 | Top 10M | 1 job opening |
| 25 | Yelloan Platform for participatory guarantee based personal loans | $2M | 114 mo ago | 7 | Michael Diguet Co-Founder & CEO | WordPressMySQLPHP+30 | Top 10M | — |
| 26 | monemprunt Lead generation platform | $2M | 91 mo ago | 19 | Gaelle Aubree CEO | AlgoliaHeadless UIGoogle Cloud+12 | Top 5M | 1 partnership |
| 27 | Finsquare P2B loans platform | $2M | 126 mo ago | — | Adrien Wiart Co-Founder & COO | — | — | — |
| 28 | RollingFunds Online business loans platform | $2M | 85 mo ago | 14 | Soubien Arnaud Co-Founder & CEO | WordPressMySQLPHP+22 | Top 50M | 1 launch |
| 29 | Ayomi Online business loans platform | $1M | 98 mo ago | 41 | Harold Zime CEO & Founder | ReactReact RouterStripe+12 | Top 5M | — |
| 30 | Fridaa App-based loan comparison platform for home loans | $1M | 53 mo ago | 22 | — | — | — | — |
| 31 | Kresus Online lending platform for trade finance | $1M | 49 mo ago | 12 | Cesar Vial Co-Founder | — | — | 1 partnership |
| 32 | FinKey Lead generation platform for business loans | $891K | 85 mo ago | 11 | Adrien Pelletant Co-Founder | WordPressMySQLPHP+23 | Top 10M | — |
| 33 | FriendsClear peer-to-peer lending | $637K | 192 mo ago | 17 | — | — | — | — |
| 34 | Stairwage Online platform for earned wages loan | $614K | 65 mo ago | 2 | Jerome Senot Co-Founder | WebflowAmazon Web ServicesGSAP+15 | Top 10M | — |
| 35 | Dynergie Platform offering lending solutions | $432K | 47 mo ago | — | Nathalie Meier Co-Founder | WebflowGSAPSplide+15 | Top 5M | — |
| 36 | Joe App-based platform for point of sale financing | $125K | 48 mo ago | 26 | Kevin Ohana Co-Founder & CEO | — | — | — |
| 37 | Lumo Crowd lending platform for energy projects | $120K | 136 mo ago | 14 | — | TinyMCEChart.jsBootstrap+31 | Top 5M | 1 expansion |
Top 12 Alternative Lending companies in France
#1
Acquired · Paris, Ile de France · founded 2009$344.1Mraised▾
Online lending platform for POS financing. It offers a platform where users can apply for loans for various purposes such as home refurbishment, holidays, or buying a new smartphone. It enables retailers, banks, and fintechs to offer financing solutions for consumers.
- Oct 2025Conventional Debt$464M
- Jul 2023Conventional Debt—
- Dec 2022Series E$62.9M
- Jul 2021Series E$170M
#2
Series B · Paris, Ile de France · founded 2021 · 20 employees$30.2Mraised▾
Cloud-based solution for invoice financing. It enables businesses to obtain financing using unpaid invoices. Businesses can select the invoices based on the required amount. Accounting and ERP software is integrated with the platform and once approved, the funds are transferred to the registered bank account.
- Sep 2025Series B$18.9M
- Nov 2023Series A$10.7M
- Jul 2023Conventional Debt$184.9M
- Jun 2022Series A$16.1M
#3
Series B · Saint Ouen, Ile de France · founded 2016 · 170 employees$59.9Mraised▾
Online marketplace for residential mortgage loans. It uses a proprietary algorithm that compares multiple loan products and provides users with loans from appropriate lending partners. It features borrower insurance, e-books, and more. The application is available on Android and iOS platforms.
- Oct 2024Series B$15.3M
- Jan 2022Series B$34M
- Feb 2019Series A$9.2M
- Oct 2017Seed$1.5M
#4
Acquired · Paris, Ile de France · founded 2001 · 4301 employees$16.7Mraised▾
Baobab is a financial services company that offers tailored solutions for financially underserved entrepreneurs and SMEs in Africa and China. They believe in financial inclusion.
- Oct 2024Series A—
- Dec 2015PE—
- 2015Series A$16.7M
- 2014Conventional Debt$2M
#5
Series A · Paris, Ile de France · founded 2021 · 20 employees$4Mraised▾
Online platform for revenue-based financing. It enables businesses to obtain financing options based on the available recurring subscriptions. It provides APIs that enable users to integrate accounting tools, ERP systems, and bank accounts for credit score calculations and analytics.
- Jan 2025Conventional Debt—
- Jan 2025Series A$9.4M
- Nov 2022Conventional Debt$51.6M
- Jan 2022Conventional Debt$20.9M
#6
Series A · Paris, Ile de France · founded 2019 · 113 employees$326.9Mraised▾
Online lending platform providing financing solution for e-commerce businesses. Businesses can connect e-commerce platform on the website and select the funding amount required for ads campaigns & marketing, and upon approval, the loan amount gets disbursed in the linked business account. Repayment of loans can be done after the products are sold to the customers.
- Jul 2023Conventional Debt$217.9M
- Feb 2022Series A$20.6M
- Feb 2022Conventional Debt$128M
- Mar 2021Series A$3.6M
#7
Acquired · Paris, Ile de France · founded 2014 · 101 employees$391.2Mraised▾
October is a P2P platform for business loans. Allows private & institutional investors to invest in business loans extended to companies. Borrowers need to provide basic details to post project requirements on the platform. Once the project is fully funded, funds are transferred to the borrower's bank account. Provides loans for digitalization, debt refinancing, communication, renovation, recruitments, company acquisition, and more.
- Sep 2020Series D$302M
- Jun 2018Series C$37M
- Mar 2018Conventional Debt$12.4M
- Jan 2018Conventional Debt$244.9M
#8
Series C · Neuilly sur seine, Ile de France · founded 2018 · 466 employees$204.9Mraised▾
Provider of SaaS-based trade financing solutions. It enables businesses to increase their customer base by providing them with payment in installments options. It enables customers to manage their spending and purchase more. It also offers to pay later options to the customers.
- Feb 2022Conventional Debt$108.6M
- Feb 2022Series C$131.4M
- 2021Series B—
- Jan 2021Series B$59.4M
#9
Series A · Aix en provence, Provence Alpes Cote d Azur · founded 2014 · 30 employees$10.5Mraised▾
Online platform offering crowdfunding and asset management solutions. It offers white-label solutions for lending, donation, reward, and equity crowdfunding. It also offers a white-label solution for crowdsourcing. Its solution includes an internet platform, mobile application, marketing strategy, bank regulation, project leading, and more. It offers customizable technical solution for launching white-label crowdfunding platforms integrated with a payment system and blockchain technology.
- Jan 2024Series A$6.5M
- Jul 2023Seed$1.4M
- Feb 2022Seed$1.1M
- May 2019Seed$1.5M
#10
Acquired · Puteaux, Ile de France · founded 2015 · 45 employees$99.7Mraised▾
Pledg provides online payment financing solutions for e-merchants. It provides financing solutions on e-commerce and in-store websites. It allows private and professional buyers to buy and pay later or in installments. Its e-card solution provides Split payment - to be shared between the customer & specified co-buyers, Installment payment - to be spread in several installments, Deferred payment - to be completed only after a certain delay, and Redirection payment - which is to be completed on the web site of an external PSP, and more.
- Mar 2021Series A$98.3M
- Dec 2017Seed$1.4M
#11
Seed · Paris, Ile de France · founded 2004 · 23 employees$9.3Mraised▾
Online platform for employee financial benefits. It allows employees to get money on demand. It offers payments, overtime payments, benefits, financial analysis, employee productivity, etc. It is also available on the Android and iOS versions.
- Sep 2022Conventional Debt$2.5M
- Sep 2022Seed$7.5M
- Apr 2021Seed$1.8M
#12
Seed · Paris, Ile de France · founded 2022$3.2Mraised▾
Provider of alternative financing solutions for high-net-worth individuals and businesses. It offers various financing options leveraging existing assets, including real estate and financial holdings. These solutions cater to diverse needs, such as liquidity management, investment opportunities, and estate planning. The firm provides personalized support, structuring and facilitating complex financial transactions with a network of lenders. Services include credit structuring, legal and tax advisory, and access to a broad range of financing sources.
- Sep 2023Seed$3.2M
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of Alternative Lending coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
Common questions
Rohit lives in the feed. He covers what's moving right now — the funding rounds, launches and shifts breaking across the trade press — and ties them back to where the sector is heading.