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Aymeric Monod-Gayraud

Co-Founder
LoanTube (#Sifted100)
Member since
12 Feb
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London
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Followed by John Sims, Martha Boyle and 5 others you follow

Bio

As co-founder of LoanTube, I’m on a mission to transform how UK consumers and SMEs access credit. Our market-leading, FCA-regulated platform delivers real-time, personalised loan offers with a laser focus on financial inclusion and transparency. Credit should empower, not limit – and no one should be left behind! 💸💳🚀

Born into a French-Polish family, I was educated at the Universities of Sussex, Cambridge, and Oxford. I began my career in investment banking with Bank of America Merrill Lynch, advising some of Europe’s largest TMT firms on large-scale M&A and capital raises. 🇫🇷🇵🇱🇬🇧🎓👔

My entrepreneurial journey commenced in 2011, when I co-founded Freebee – Europe’s first digital loyalty platform – later acquired by Vodafone Poland. 🛒🧾📲

Latest opinions

Aymeric Monod-Gayraud

How Digital Credit Marketplaces Became More than a Middleman

There’s a persistent myth in UK financial services that credit brokers are simply comparison engines, digital middlemen shuffling applications from one side of the internet to another with little added value. This outdated perception ignores how technology has fundamentally transformed the role of digital credit marketplaces, delivering additional...

02 May 2025 Innovation in Financial Services

Aymeric Monod-Gayraud

The Real Decisioning Structures Behind the UK Credit Industry

In the UK, when it comes to borrowing, the discourse typically revolves around credit scores. Specifically, those three-digit numbers are provided by agencies like Experian, Equifax, and TransUnion. We’re told that these figures determine our financial fate and whether we can secure a loan or mortgage. What we’re not told is that there’s a catch. ...

27 March 2025 Innovation in Financial Services

Aymeric Monod-Gayraud

FinTech is Empowering the Subprime Borrower

When it comes to consumer loans, a significant portion of the population finds itself cast adrift by traditional banks and lenders. Underserved by institutions that prefer to deal in tidy risk assessments rather than inconvenient complexities of unique spending habits, these individuals are slapped with the “subprime borrower” label due to past fi...

27 February 2025 Innovation in Financial Services

Aymeric writes about

  • retail banking
  • financial inclusion

Aymeric's opinion archive

  • 2025 (3)

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Aymeric reads

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  • City AM
  • The Rest Is History Podcast
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