Tackling over-indebtedness. Promoting economic inclusion.
Responsible, transparent and ethical technology that supports fair decisions.
Our mission: fairer access to finance
Meelo tackles over-indebtedness by helping businesses make responsible decisions.
The result?
More people can access finance. Safely. Without the risk of over-indebtedness.
Preventing over-indebtedness
Not granting credit that a customer will be unable to repay is a way of protecting them. Our algorithms identify vulnerable profiles before credit is granted.
Promoting economic inclusion
Accept atypical but creditworthy profiles: fixed-term contracts, self-employed workers, young businesses.
Stop turning applicants down out of excess caution.
Ethical and transparent AI
Our algorithms are audited against the international IEEE (Institute of Electrical and Electronics Engineers) standard to ensure fair, transparent and explainable AI.
No black box. Every score is explainable and justified.
Protected data
GDPR compliant by design, secure hosting in France. You stay in control of your data.
Being B Corp certified: what does it mean in practice?
The team: 50 experts,
one mindset
Born in Lille, operating across Europe. 50 people. A close-knit team.
Led by two founders from the banking and credit sector, our team has an average of 20 years' experience in risk management.
Our areas of expertise:
Credit risk management
Former practitioners from banks, captive car finance companies and credit providers
Data science & proprietary AI
Researchers and ML engineers, including an IEEE-certified PhD in AI (an international certification guaranteeing ethical and explainable algorithms)
Regulatory compliance
Experts in GDPR, PSD2 & banking regulation
Open Banking & Open Finance
Pioneers of bank account aggregation in Europe
An international presence, and growing.
France
Spain
Belgium
Italy
United Kingdom
Luxembourg
Germany
Netherlands
Our culture: demanding, ambitious, team-driven
Excellence as our compass. Teamwork as our engine.
At Meelo, the pursuit of excellence guides everything we do. No cutting corners. No compromise on quality. We aim high, together.
Taking responsibility
Commitments honoured towards our clients, our people and our ecosystem.
Simplicity and agility
No red tape, no unnecessary processes. We favour simplicity and efficiency
Curiosity and openness
The market is changing, fraud is becoming more sophisticated, and we never stop learning.
Rooted in Lille, focused on Europe. We rely on teamwork to achieve our goals. Because together we go further.
B Corp & Société à Mission: verified commitments
Not greenwashing. A rigorous external audit (B Corp).
A purpose written into our articles of association (Société à Mission, the French mission-driven company status).
A public score. Reassessment every 3 years.
Committed locally with Bureaux du Cœur
Since 2025, our Lille offices have hosted one person every night. Not for publicity. Simply because it is consistent with what we stand for: fairer access to finance and a more caring society.
Want to join us?
We are hiring people with a passion for tech, risk and innovation.
Want to find out more about Meelo?
Without commitment
Fast results