Uniloan
- Company typePrivate
- Founded-
- HeadquartersParis, France
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Uniloan does
Uniloan is a French financial intermediary, operated by Horizon Lending SAS (ORIAS-registered under number 18005773, supervised by the ACPR), that brokers student loans and bank accounts between individual students and its core banking partner BNP Paribas. The company does not itself lend money; instead it provides an online application portal that delivers a decision in principle within 24 hours and guides the borrower through dossier preparation, bank introduction, and loan signing. Its three core products are (1) student loan facilitation at negotiated preferential rates (described as roughly 1%), (2) a paid financial coaching service delivered via Zoom with email hotline follow-up, and (3) a digital bank account opening flow via BNP Paribas offering up to €80 cashback and free banking services. A €20-per-referral program with no cap supports customer acquisition, and partnerships with French business schools (Emlyon, INSEEC, Groupe ESPI) drive top-of-funnel demand. The technology stack is conventional and partnership-dependent: the platform runs on OVH-hosted web infrastructure, integrates with HubSpot for appointment scheduling and Zoom for coaching delivery, and routes all banking activity to BNP Paribas. Uniloan generates revenue through two streams — coaching session fees paid by credit card at booking, and referral commissions paid by BNP Paribas when a user opens a bank account (these commissions are explicitly independent of loan amounts, rates, or acceptance). The company serves three primary personas: French domestic students, foreign students studying in France, and French students studying abroad, all operating within a single-country (France) geographic footprint. The business is privately held with no disclosed funding rounds, 1–10 employees, and is led by Ludovic Gulkasehian as Director of Publication.
Uniloan firmographics
Firmographics- Name
- Uniloan
- Legal name
- Horizon Lending SAS
- Website
- https://uniloan.fr
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Uniloan industry classification
Industry- Product category
- Student Loan Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Application Support, Matching Platforms & Scholarship Administration Services (EDAIAOAN)
- akta.pro secondary industries
- Loans & Financing for International Study (EDAIAOAL), Education Line of Credit (Education LOC) (FSAKAEAH)
Keywords
Where Uniloan is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Uniloan business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D
Revenue model
- Financial Coaching Sessions: Paid one-on-one coaching sessions with financial experts covering budget analysis, student financing advice, and loan preparation. Sessions are conducted via Zoom with email hotline follow-up support. Revenue is generated per session booked and paid by card.
- Banking Referral Commission: Horizon Lending receives remuneration from the banking partner (BNP Paribas) when a user successfully opens a bank account through Uniloan. This revenue is independent of any loan operations and is not tied to loan amounts, rates, or acceptance.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Pay-as-you-go | Financial Coaching Session |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Uniloan product offering
Product offeringCore offering
Uniloan is a French student financing intermediary operated by Horizon Lending SAS that connects students with banking partners to obtain study loans at negotiated reduced rates (currently around 1%). The platform delivers a 24-hour principle approval decision, paid one-on-one financial coaching sessions via Zoom with email follow-up, and facilitated digital bank account opening through its BNP Paribas partnership with exclusive student benefits including up to €80 cashback and a Mastercard card.
Product overview
Uniloan is a student loan intermediary platform operated by Horizon Lending SAS, offering three interconnected financial services: (1) student loans at negotiated reduced rates through a banking partner, (2) paid financial coaching sessions with personalized budget advice, and (3) bank account opening via BNP Paribas partnership with exclusive benefits. The platform also includes a referral program offering €20 per referred user. Uniloan does not directly lend money but connects students with banking partners and provides end-to-end support from application to loan signing.
Differentiator
Problem solved
Functional benefit
Products and services
- Prêt étudiant (Student Loan) Student loan financing service at reduced rates (approximately 1%) that enables students to borrow money for tuition and living expenses. Uniloan acts as an intermediary providing a decision in principle within 24 hours and personalized step-by-step accompaniment throughout the loan application process with banking partner BNP Paribas.
- Coaching financier (Financial Coaching) Paid one-on-one financial coaching service providing budget reviews, personalized advice on student finances, and guidance on loan decisions. Includes a Zoom video session followed by email hotline access. Offered as a commitment-free, pay-per-session service.
- Ouverture compte bancaire (Bank Account Opening) Digital bank account opening service via BNP Paribas partnership, allowing students to open accounts 100% online in 5 minutes with exclusive benefits including free banking services, Mastercard debit card, and up to €80 cash bonus.
Quantifiable outcome
- Principle approval within 24 hours
- +3 more outcomes
Companies that use Uniloan
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles1 record
Uniloan technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature3 records
Uniloan partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- BNP ParibascoreBNP Paribas is the primary banking partner for Uniloan. The partnership enables students to access bank accounts with preferential conditions negotiated by Uniloan, including up to 80€ cashback, free banking services, and a Mastercard card. BNP Paribas handles the actual loan decisions and account opening, while Uniloan facilitates the introduction and provides accompaniment throughout the process.
Scale indicators2 records
Recent moves6 records
Expansion highlights4 records
Uniloan competitors and assessment
Company assessmentDirect peers
- MPOWER Financing: MPOWER provides student loans and financial support to international students without requiring a co-signer or collateral. Its guarantor-free lending model directly mirrors the value proposition Uniloan advertises to foreign students in France.
- Future Finance: Future Finance originates student loans in Europe, including guaranteed and non-guarantor products aimed at students with thin or no credit history. Its student-only lending focus and European footprint make it a directly comparable alternative lender/intermediary.
- Prodigy Finance: Prodigy Finance funds international and cross-border graduate students who lack local credit history. Uniloan targets the same foreign-student-in-France and French-student-abroad segments that Prodigy pioneered, making it the closest comparable for cross-border student lending.
Broad incumbents
- Boursorama Banque: Boursorama is France's largest online bank and a subsidiary of Société Générale, offering free student accounts, cards, and student loans. It is both a competitor for the same student banking relationship and a potential alternative banking partner, sitting alongside BNP Paribas in Uniloan's competitive set.
- BNP Paribas: BNP Paribas is Uniloan's exclusive banking partner for student loans and account opening, and also a major direct lender to French students. It is simultaneously Uniloan's most important partner and the most likely entity to internalize Uniloan's intermediation function.
- Revolut: Revolut offers student-tier accounts and increasingly embedded credit products across Europe. It represents a well-capitalized threat to Uniloan's account-opening referral revenue and a potential partner for cross-border student banking.
- N26: N26 is a European neobank with a free student account tier and embedded financial tools across the Eurozone. It competes for the same student banking relationship Uniloan intermediates via BNP Paribas and could expand into lending.
Others
- Credible: Credible is a US loan marketplace that aggregates student loan refinancing and private student loan offers from multiple lenders. It is thematically analogous to Uniloan's broker model at greater scale, illustrating the platform trajectory Uniloan could pursue.
Emerging players
- Younited Credit: Younited is a French consumer-lending platform that intermediates personal loans between borrowers and institutional capital. It shares Uniloan's online, intermediary-driven approach to consumer credit, though it operates across broader consumer segments rather than students specifically.
Regional players
- Lydia: Lydia is a French mobile-first financial app targeting students and young consumers with payments, accounts, and credit features. Its student-focused French GTM and embedded credit ambitions overlap directly with Uniloan's niche.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Uniloan social profiles
Digital presenceUniloan compliance and trust
Trust signalCompliance1 record
Uniloan financial estimates
Financial estimateRevenue estimate
Valuation estimate
Uniloan leadership team
Management profileNumber of profiles
Profiles1 record
Uniloan funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Uniloan M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Uniloan
What does Uniloan do?
Uniloan is a French student financing intermediary operated by Horizon Lending SAS that connects students with banking partners to obtain study loans at negotiated reduced rates (currently around 1%). The platform delivers a 24-hour principle approval decision, paid one-on-one financial coaching sessions via Zoom with email follow-up, and facilitated digital bank account opening through its BNP Paribas partnership with exclusive student benefits including up to €80 cashback and a Mastercard card.
Is Uniloan a public or private company?
Uniloan is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Uniloan founded?
Uniloan was founded in -1. It employs 1 to 10 people.
Where is Uniloan based?
Uniloan is headquartered in Paris, France, in the Europe region.
How does Uniloan make money?
Two revenue lines are on record. Financial Coaching Sessions are the primary driver. The others are banking Referral Commission.
Who are Uniloan's main competitors?
Direct peers on record are MPOWER Financing, Future Finance and Prodigy Finance. Broad incumbents are Boursorama Banque, BNP Paribas, Revolut and N26. Credible is listed as an others. Younited Credit is listed as an emerging player. Lydia is listed as a regional player.
Does Uniloan have an API?
No public API is recorded for Uniloan.
What industry is Uniloan in?
Uniloan's product category is Student Loan Brokerage. Its primary akta.pro industry code is EDAIAOAN, Application Support, Matching Platforms & Scholarship Administration Services, with a secondary code of EDAIAOAL, Loans & Financing for International Study. Its NAICS code is 52231 and its SIC code is 6163.