PARIS - s4story -- French fintech Aiffin has raised €625,000 in equity from international angel investors and crowdfunding investors, alongside €2.5 million in debt financing, to expand its AI-powered vehicle leasing platform for entrepreneurs traditionally underserved by banks and leasing companies.

Founded by Ukrainian entrepreneur Sergii Vaskov and French automotive executive Khalil Aram, Aiffin is building what it calls the AI underwriting layer for mobility entrepreneurs: VTC drivers, delivery couriers, artisans, tradespeople, farmers, and small transport businesses whose income depends on having access to a vehicle.

The opportunity is substantial. France is home to more than 4.4 million micro-entrepreneurs, many of whom struggle to obtain financing despite generating stable business income. Traditional lenders continue to rely heavily on salaried employment history, long credit records, and annual financial statements, leaving a large portion of the self-employed economy underserved.

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"Millions of people are already working, generating revenue, and contributing to the economy every day," said Sergii Vaskov, Co-Founder of Aiffin. "The problem is not whether they can repay. The problem is that traditional underwriting was designed for another era. We believe access to productive assets should be based on real business activity, not outdated assumptions."

Vaskov previously built one of Eastern Europe's leading vehicle-financing fintech businesses, operating across Ukraine, Slovakia, and the Czech Republic. Over more than fifteen years, he and his team originated and managed vehicle-financing portfolios while maintaining a record of zero write-offs.

Joining him is Khalil Aram, who previously held various roles at Crédit Agricole Auto Bank, Cofidis, Emil Frey, Aiways, and FEST, where he developed financing programs and automotive partnerships across France.

The company's technology is led by CTO Igor Nikolaev, who previously held senior technology positions at Wirex and Velitech.

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At the heart of Aiffin's platform is OrbitScore, a proprietary AI underwriting engine that analyzes open banking data, cash-flow patterns, business activity, and behavioral signals to assess an entrepreneur's ability to repay. The company says the platform already automates a significant share of financing decisions and aims to deliver approvals in less than five minutes.

Since launching operations, Aiffin has built a financing portfolio of approximately €3 million, processes more than 250 financing applications per month, and has established partnerships with dealers, brokers, and mobility ecosystems across France.

Looking ahead, the company plans to expand into additional EU markets before entering the United States, with the ambition of becoming the leading AI-powered financing infrastructure platform for entrepreneurs.

https://aiffin.com/