Lenbox (ex Finnocar)

What Lenbox (ex Finnocar) does

Lenbox (formerly Finnocar) is a Lyon-based fintech founded in 2018 that operates as an integrator and aggregator of consumer credit and payment solutions for French very small and medium enterprises (TPME). The company delivers a unified platform offering installment payments (3x through 36x), consumer credit brokerage, instant bank transfers, remote card payments by link, and a PayPal all-in-one integration (PayPal, Pay Later 4x, Apple Pay, Google Pay), spanning merchant use cases in automotive, habitat/home services, education/training, healthcare, and sport. Underlying technology is a multi-bank aggregation layer that connects merchant checkout flows to BNP Paribas, FLOA Bank, Cofidis, and Younited Credit, providing an automated credit decisioning and routing engine with a 100% merchant payment guarantee within 48 hours irrespective of customer default.

The company monetizes primarily through transaction-based take rates on installment plans and referral/affiliate commissions paid by banking partners for originated consumer credit; pricing is quote-based per merchant, with no public rate card. Go-to-market blends inside sales (Typeform eligibility tests, demo-led conversion) with embedded channel partnerships — notably with Spider VO dealer management software and the 90-location L'Agence Automobilière network — supplemented by content marketing, white papers, case studies, and participation in the Moove Lab accelerator at Station F. Customers are predominantly SMBs in France; reported scale metrics include 2,000+ equipped merchants, more than €170M financed through the platform, and a 4.6/5 customer satisfaction score. Ownership remains with founders Yohan Payre (Director General) and Yassine Tazi (Co-founder); the firm is ORIAS-registered (#18005570) and operates as a private SAS with €15K share capital, no disclosed VC funding, and 1–10 employees.

Name

Lenbox (ex Finnocar)

Legal name

LENBOX SAS

Website

https://lenbox.io

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Lenbox is a French fintech that aggregates installment payments, consumer credit, instant transfers, and PayPal integration through a single platform, serving primarily TPME merchants across automotive, habitat, education, healthcare, and sport verticals via multi-bank partnerships with BNP, FLOA, Cofidis, and Younited Credit.

Ownership category

akta.pro rank

Product category

Merchant Payment & Financing Platform

NAICS

Sales Financing (522220), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Other Activities Related to Credit Intermediation (522390)

SIC

Personal Credit Institutions (6141), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA)

akta.pro secondary industries

POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), BNPL Consumer Apps & Wallets (Discovery, Management) (FSAGAIAG)

Keywords

• Installment payment solutions
• Merchant financing platform
• Embedded credit aggregation
• Multi-bank fintech services
• Consumer credit facilitation

Headquarters

HQ city

Lyon

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Fees on Installment Payments: Lenbox charges merchants transaction fees when customers use installment payment solutions (3x, 4x, 10x, 12x, 24x, 36x). The merchant receives full payment upfront while customers pay in installments; Lenbox earns a percentage of each transaction.
2. Consumer Credit Facilitation: Lenbox facilitates consumer credit products through its banking partner network (BNP, Cofidis, Floa, Younited Credit). Revenue is generated through referral fees and commissions from banking partners for credit applications processed through the platform.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels9 records

Core offering

Lenbox is a digital B2B platform that aggregates multiple payment and financing solutions (installments from 3x to 36x, consumer credit, instant transfers, card payments by link, PayPal-based payments) into a single interface for French TPME merchants across automotive, home, training, healthcare, and sport sectors. The platform routes each transaction to the most suitable banking partner (BNP Paribas, FLOA Bank, Cofidis, Younited Credit), provides instant credit decisions without paperwork, and guarantees merchants full payment within 48 hours regardless of customer default.

Product overview

Lenbox is a unified fintech platform providing multiple payment and financing solutions for businesses, primarily targeting TPME (very small and medium enterprises). The platform aggregates several core products: Paiement en plusieurs fois (3x, 4x, 10x, 12x, 24x, 36x installment payments), Crédit à la consommation (consumer credit), Virement instantané (instant bank transfers), Paiement CB par lien (card payments via link), and Paiement PayPal (PayPal integration with Pay Later, Apple Pay, Google Pay). All solutions are accessible through the Lenbox Platform, which serves as the central interface for managing all payment and financing options, with sector-specific solutions for Auto, Habitat, Formation, Soins (health), and Sport.

Differentiator

Problem solved

Functional benefit

Products and services

• Paiement en 3, 4 et 10 fois Installment payment solution letting merchants split customer purchases into 3, 4, or 10 monthly installments while the merchant receives full payment upfront.
• Paiement en 12, 24 et 36 fois Extended installment plan solution enabling customers to spread payments over 12, 24, or 36 monthly installments for larger purchases.
• Crédit à la consommation Consumer credit solution connecting customers with multiple banking partners to find the best credit offer with immediate principle response.
• Virement instantané Instant bank transfer solution allowing merchants to receive payments instantly without card limits or check delays.
• Paiement CB par lien Card payment via link solution enabling secure remote card payments whether customers are in-store or online.
• Paiement PayPal PayPal payment integration offering PayPal, Pay Later 4x installments, card processing, Apple Pay, Google Pay, and local payment methods.
• Lenbox Platform Unified platform aggregating all payment and financing solutions in a single interface for merchants to manage transactions, refunds, accounting, and payment tracking.

Quantifiable outcome

• Average basket size increase of 20% when merchants offer installment payments
• +5 more outcomes

Named customers8 records

Segments6 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability1 record

Feature4 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• BNP ParibascoreTechnology or IntegrationMajor French banking partner providing consumer credit products through Lenbox platform. BNP Paribas is among the largest banks in Europe and enables Lenbox to offer competitive financing rates to end customers.
• FLOA BankcoreTechnology or IntegrationSpecialized French digital bank offering installment payment and credit solutions. FLOA provides the financing infrastructure for Lenbox's payment in installments products.
• CofidiscoreTechnology or IntegrationEuropean consumer credit specialist providing credit products through Lenbox platform. Cofidis enables instant credit decisions for Lenbox merchant customers.
• Younited CreditcoreTechnology or IntegrationOnline credit platform providing consumer loans through Lenbox. Younited Credit contributes to Lenbox's multi-bank aggregation strategy offering customers multiple financing options.
• L'Agence AutomobilièrecoreChannel Partner/ Reseller/ DistributorPartnership to equip all 90 L'Agence Automobilière locations with Lenbox financing solutions. Lenbox provides instant credit offers to customers buying vehicles through the peer-to-peer car sales platform. Franchises use Lenbox for digital financing without paperwork.
• Spider VOcoreChannel Partner/ Reseller/ DistributorIntegration of Lenbox financing into Spider VO dealer management software. Partner automotive dealers using Spider VO can offer Lenbox financing to customers directly through the software platform, streamlining the sales process.
• Moove Lab (CNPA/via-id)minorStrategic or Co-development PartnerAutomotive innovation accelerator based at Station F in Paris. Lenbox was selected for the 5th promotion of Moove Lab, providing access to automotive industry network, mentorship, and startup ecosystem resources.
• Yohan Payre (Director General)coreOthersCEO/statement provider in partnerships - Yohan Payre, Director General of Lenbox, signed partnerships with major automotive dealers and provides strategic direction.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Younited Credit: Online consumer credit platform active in France offering personal loans and credit at checkout. Overlaps with Lenbox's consumer credit product and is also a banking partner on the platform.
• Floa Bank: French digital bank specializing in installment payments and consumer credit. Directly comparable to Lenbox's core installment and credit offering, and also one of Lenbox's banking partners — creating both overlap and channel-conflict dynamics.
• Alma: French BNPL provider offering pay-in-3, pay-in-4 and longer installments to merchants and e-commerce platforms. Most direct head-to-head competitor for Lenbox's installment payment product in the French SMB market.
• Pledg: French BNPL fintech serving both online and offline merchants with installment solutions. Comparable to Lenbox across the same TPME merchant base and multi-vertical go-to-market approach.
• Oney: BNPL and consumer credit brand (backed by BPCE group) offering 3x/4x/10x/20x installment solutions to French merchants including retail and automotive. Broad incumbent competitor with similar TPME positioning.
• Cofidis: Major European consumer credit specialist active in France with installment and credit products sold direct to merchants and consumers. Overlaps with Lenbox's consumer credit facilitation product and is also one of its banking partners.

Broad incumbents

• BNP Paribas Personal Finance: Consumer credit arm of BNP Paribas, owner of Floa Bank and one of Lenbox's core banking partners. Operates credit and BNPL products at massive scale, partially overlapping with the merchants Lenbox serves.
• Klarna: Global BNPL leader with a growing presence in France. Comparable core offering (interest-free installments, longer-term credit), though serves larger merchants and global e-commerce rather than purely French TPME.

Others

• PayPal Pay Later: Recently integrated by Lenbox as a payment option. Functions as both an ecosystem partner and a competing BNPL product (Pay in 4x) for the same merchants and end consumers.

Emerging players

• Scalapay: BNPL provider expanding across European markets including France with pay-in-3 and pay-in-4 offerings. Comparable product set, with broader geographic footprint than Lenbox.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/LenboxFr
• LinkedInlinkedin.com/company/lenbox/?viewAsMember=true
• Instagraminstagram.com/lenbox_fr
• Xx.com/LenboxFr

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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 Lenbox (ex Finnocar)