Yelloan

What Yelloan does

Yelloan is a French fintech company operating as a credit intermediary (intermédiaire en opération de banque), founded around 2014 and headquartered in Paris. The company connects individual French consumers seeking personal financing with a network of partner banks and financial institutions that underwrite and fund the loans. Yelloan does not lend its own balance sheet; instead, it earns commissions from partner lenders for each successfully placed application. Its target end-customers include borrowers purchasing vehicles, funding home improvement projects, financing life events (weddings, births, travel, education), and consumers with limited or non-traditional credit profiles who have been rejected by conventional banks.

The platform's central technology is Yellobot, a conversational AI chatbot that guides users through credit applications and replaces traditional long forms, delivering immediate in-principle decisions and funds within 48 hours of a complete file. The product portfolio spans unsecured personal loans (€200–€75,000), vehicle financing (auto, motorcycle, RV, boat up to €100,000), home improvement loans, and life-event financing. A distinctive feature is the Garantie Participative system, which enables borrowers without traditional guarantors to access credit through collective backing from three contacts contributing 5% of the loan amount — a mechanism designed specifically for credit-challenged profiles.

Yelloan's go-to-market is digital-first and product-led: all acquisition and application processing occurs through its owned website, supported by SEO-optimized landing pages and an active blog. Lending partners include Franfinance (Société Générale group, described as the primary lender), Cofidis, Floa Bank (BPCE), and Sofinco (Crédit Agricole). The company was named Fintech of the Year by Finance Innovation in 2016 and 2017, received a €1.88M funding round led by Seventure Partners in 2017, and counts Bpifrance, France FinTech, and Robin des Banks among its supporters. The business is privately held and operates exclusively in France.

Name

Yelloan

Legal name

Yelloan

Website

https://yelloan.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

Yelloan is a French fintech credit intermediary that uses an AI chatbot (Yellobot) to match individual borrowers with partner banks offering personal, auto, home improvement, and life-event loans, including a unique participative guarantee system for credit-challenged applicants.

Ownership category

akta.pro rank

Product category

Consumer Lending Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro industry

PRIMARYFSAKAMAC

Cash Advance (Online & Storefront)

Financial & Insurance/Lending & Consumer Finance/Payday Loans & Short-Term Credit

Keywords

• Consumer credit brokerage
• Online personal loans
• Credit intermediary platform
• Fintech lending
• Vehicle and home improvement loans

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations

Revenue model

1. Loan Placement Commission: Yelloan acts as a credit broker/intermediary and earns commissions or referral fees from lending partners (banks and financial institutions) for each successfully placed loan. The company does not charge consumers directly for its matching service.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Yelloan operates as a French credit intermediary (intermédiaire en opération de banque) using an AI-powered chatbot called Yellobot to match individual consumers with personal, auto, home improvement, and life-event loans from a network of partner banks. The platform provides a 100% online application process with immediate in-principle decisions and funds disbursed within 48 hours. Yelloan also offers an innovative participative guarantee (garantie participative) system that enables borrowers lacking traditional guarantors to access credit through pooled community backing.

Product overview

Yelloan is a French fintech company operating as a credit intermediary (intermédiaire en opération de banque), offering a comprehensive portfolio of consumer credit products in partnership with major French banks including Franfinance (Société Générale group), Cofidis, Floa Bank, Sofinco, and others. The platform provides an AI-powered chatbot-driven application process for personal loans, auto loans, home improvement loans, and specialized life-event financing. The core product is the personal loan (prêt personnel) ranging from 200€ to 75,000€, complemented by secured credit products (crédits affectés) for vehicles, home improvements, and life events. Yelloan distinguishes itself through its 'garantie participative' system enabling borrowers to secure loans through community-backed guarantees when traditional guarantors are unavailable, and a fully digital application process completing in under 5 minutes.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Funds disbursed within 48 hours after complete file submission
• +1 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Two partnerships are on record, tiered core and minor.

• Finance InnovationcoreStrategic or Co-development PartnerFrench competitiveness cluster (pôle de compétitivité) focused on finance and insurance. Named Yelloan Fintech of the Year in 2016 and 2017, providing credibility and industry recognition.
• France FinTechminorStrategic or Co-development PartnerNational fintech industry association representing and supporting fintech companies in France. Listed as an institutional partner on Yelloan's About page.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Market position

Competitive moat4 records

Key risks7 records

Key highlights6 records

Customer concentration

• Xx.com/yelloanfrance
• LinkedInlinkedin.com/company/yelloan

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Yelloan