The Flucredit Story
Since 2015, we have been completely rethinking the financing sector. Faced with a traditional banking system that is often slow and opaque, we decided to build an alternative: a platform where human expertise and technology combine to offer you fast, fair and 100% transparent credit solutions.
2015 - 2026: A decade of certified financial commitments
- Licensed financial institution & European prudential supervision
- Strict segregation of capital & compliance with solvency ratios
- Cross-border presence in 7 European countries and Switzerland
From founding vision to pan-European banking ecosystem
Trace the major milestones that have shaped our financial institution, its technological innovations and the trust of over 50,000 members.
The Genesis: Rethinking Credit
The idea of Flucredit was born from an unequivocal observation made by our three founders from the finance and tech sectors: obtaining credit had become an obstacle course, slow and opaque.
- The Problem: Weeks of waiting, piles of paper files and rigid acceptance criteria.
- Our Solution: Launching the first French 100% digital, transparent consumer credit platform with no hidden fees.
In just a few months, our rapid scoring technology convinced our first 1,000 clients, laying the foundations for our financial revolution.
Expansion: 100% Digital Mortgage Lending
Building on our resounding success in personal credit, we tackled our clients' biggest life project: property.
- Algorithmic Innovation: We deployed a proprietary algorithm capable of analysing so-called 'atypical' profiles (freelancers, entrepreneurs, fixed-term contracts) often rejected by traditional banks.
- Record Growth: Flucredit exceeded €50 million financed in less than 12 months.
The team grew from 10 to 45 employees, and we opened our first offices internationally.
Resilience and Technological Innovation
The global pandemic disrupted the economy, but confirmed the absolute necessity of our dematerialised model. While physical branches closed, Flucredit remained 100% operational and accelerated.
- Open Banking: Integration of banking APIs for secure and instant income verification.
- KYC (Know Your Customer): Deployment of our artificial intelligence enabling identity verification in less than 3 minutes.
We thus managed to deliver immediate decisions in principle and disburse emergency funds within 24 hours.
The Era of Professionals and Eco-Responsibility
A pivotal year marked by diversification of our offerings and a strong societal commitment. We passed the milestone of 25,000 projects financed.
- Green Loans: Launch of a range of subsidised-rate loans dedicated to energy renovation and the purchase of clean vehicles.
- Flucredit Pro: Creation of our B2B division to support small businesses and SMEs with flexible cash flow solutions.
Our team now brings together more than 150 passionate experts, united by the desire to redefine the bank of tomorrow.
The Future: The Flucredit Ecosystem
Today, with more than 50,000 daily active users, Flucredit is no longer just a lending platform, but a complete financial ecosystem.
- Blockchain Security: Integration of smart contracts to guarantee immutability and absolute security of your loan agreements.
- European Vision: Expansion of our services to three new European countries.
Our mission remains unchanged: to democratise access to finance through a perfect alliance between human expertise and technological innovation.
The Foundations of a Sustainable Banking Institution
Collegial governance, scrupulous compliance with prudential standards and a strong commitment to the real economy.
Strength & Regulatory Prudence
Enhanced own funds (Tier 1 above 18.4%), full segregation of assets and strict adherence to European prudential supervision rules.
Independence & Full Transparency
Stable capital structure with no speculative shareholding, transparent pricing with no hidden fees and certified contractual clarity.
Impact Finance & ESG Commitments
Preferential rates for green transitions, exclusion of high-carbon sectors and strict environmental criteria.
Digital Sovereignty & Security
Hosting infrastructure located exclusively within the European Union, full GDPR compliance and state-of-the-art banking cryptography.
Ready to write your own financial story with Flucredit?
Join over 50,000 clients who have already placed their trust in us to finance their projects with transparency and efficiency.