Peer-to-Peer (P2P) Lending platforms in France

Reviews

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Immocratie

Immocratie is a French crowdfunding platform that was founded in 2014. It operates in the real estate industry and offers investment options in the form of equity and peer-to-peer lending. The platform primarily caters to private investors, both individuals and corporate entities. The main objective of Immocratie is to connect experienced real estate promoters with investors who are looking to support their projects. Private investors can contribute funds to one of the operations listed on the platform, thereby becoming part of the financing round. The minimum investment required to participate is 1,000 EUR. Immocratie operates in the French market and the primary language used on the platform is French. It offers an advertised return of 10-12% on investments, making it an attractive option for individuals who want to diversify their investment portfolios or explore opportunities in the real estate sector. To participate in Immocratie, both personal and corporate investors are welcome. This provides a wide range of investment possibilities for individuals as well as businesses interested in real estate crowdfunding. The platform's website, which can be found at https://www.immocratie.com/, provides detailed information about the investment opportunities available, allowing investors to make informed decisions. In summary, Immocratie is a real estate crowdfunding platform in France that allows private investors to finance experienced real estate promoters. With a minimum investment of 1,000 EUR and a potential return of 10-12%, Immocratie offers an accessible and attractive option for individuals and corporate entities looking to invest in the real estate industry.

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Twain Connect

Twain Connect is a crowdfunding platform based in France that specializes in P2P lending for the startup industry. Founded in 2023, Twain Connect aims to provide tailor-made solutions by connecting private individuals with students, thereby reducing bank charges. The platform allows users to lend or borrow up to €1,500, with personalized interest rates and flexible loan terms. Twain Connect's website, accessible at https://twain-connect.fr/, offers an easy-to-use interface for both lenders and borrowers. The platform requires a minimum investment of 10 EUR, making it accessible to a wide range of investors. The advertised return on investment is 1.2, indicating the potential profitability of investing through Twain Connect. This return rate may vary depending on the specific investment made by the lender. Twain Connect welcomes investors who are interested in supporting startups and helping students by providing them with financial opportunities. By connecting these two groups, Twain Connect offers a unique crowdfunding experience that not only helps investors earn returns but also supports the growth of the startup ecosystem. Overall, Twain Connect is an innovative crowdfunding platform in France, focused on P2P lending for startups. With its easy-to-use website, flexible loan terms, and personalized interest rates, Twain Connect provides a platform for individuals to invest in and support the growth of the startup industry.

Industry:Startups
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My Capital Immo

My Capital Immo is a crowdfunding platform based in France that focuses on P2P lending in the real estate industry. Founded in 2004, it is part of the Happy Capital brand and provides support to entrepreneurs throughout every stage of their company's life, including creation, development, and takeover. The platform is exclusively available in French, targeting investors who are fluent in the language. The minimum investment required to participate in My Capital Immo is 1,000 EUR, making it accessible to a wide range of potential investors. One of the key features of My Capital Immo is the attractive return rates it offers to investors. The platform advertises an interest rate for its bonds issued by Promotion SAS, which can range from 7 to 12%. This makes it an appealing option for individuals looking for potential investment opportunities in the real estate sector. Overall, My Capital Immo provides a unique opportunity for individuals in France to invest in real estate through P2P lending. With its extensive experience in the field and dedication to supporting entrepreneurs, the platform offers a reliable and potentially lucrative way for investors to be involved in the growth and success of businesses in the real estate industry.

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Younited Credit

Younited Credit is a crowdfunding platform based in France that specializes in peer-to-peer lending. Founded in 2009, the platform focuses on serving the small and medium enterprises (SME) sector. Younited Credit allows investors to contribute towards various projects of French households, including but not limited to the purchase of vehicles, financing of trips, and home renovation projects, without the need for a banking intermediary. The platform provides an opportunity for individuals to act as investors and to finance the projects of private individuals. As a P2P lending platform, it connects borrowers directly with lenders, enabling investors to participate in consumer credit without traditional financial institutions. Younited Credit's minimum investment is set at 1,000 EUR, making it accessible to a wide range of individuals. Although the specific advertised return is not mentioned, investors can expect to earn interest on their contributions. Younited Credit operates primarily in France, both in terms of the projects it supports and the individuals it targets. The platform is tailored to attract investors who are interested in supporting consumer credit projects and who wish to bypass traditional banking intermediaries. To learn more about Younited Credit and explore investment opportunities, interested individuals can visit their website at https://www.younited-credit.com/.

Industry:SME
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Ulule

Anyone can invest in Ulule. The crowdfunding platform, based in France, offers opportunities for individuals to invest in various projects through equity and peer-to-peer (P2P) lending investments. Ulule mainly focuses on supporting small and medium-sized enterprises (SMEs) in various industries. Established in 2010, Ulule has gained a reputation as the leading community-backed incubator for positive impact projects globally. Their primary goal is to empower individuals to make a difference by supporting projects that promote diversity, sustainability, and inclusivity. Ulule provides a platform for creators to develop their innovative ideas and turn them into realities. Through crowdfunding, project creators can obtain financial support from a wide range of investors. Ulule assists in connecting creators with potential backers who contribute funds starting from a minimum investment of 1 EUR. Although the advertised return on investment is not specified, Ulule offers investors the satisfaction of contributing to projects that align with their values. By investing in Ulule, individuals can actively participate in shaping a better world, supporting projects that aim to make a positive impact on society and the environment. The Ulule platform is easily accessible through their website, which provides information about the projects available for investment and allows individuals to explore investment opportunities and support innovative ideas. With a strong dedication to positive social change, Ulule invites everyone to become an investor and contribute to building a more sustainable, diverse, and accessible world.

Industry:SME
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Look&Fin

Look&Fin is a crowdfunding platform that operates in Belgium and France. Established in 2012, the platform focuses on P2P lending as an investment type, catering to the real estate and SME industries. Look&Fin provides an alternative financing solution for companies by facilitating direct funding from retail and institutional investors, thereby eliminating the need for intermediaries. To date, the platform has successfully facilitated €180 million in loans to 500 SMEs. Look&Fin prides itself on being an approved Alternative Financing Platform by the FSMA (Financial Services and Markets Authority). This endorsement signifies its credibility and compliance with regulatory standards. The platform welcomes individuals and legal entities with the legal capacity to contract, regardless of their nationality or tax residency, to invest on their platform. Investors can participate in Look&Fin with a minimum investment of €100. The advertised return on investments is 0.05, providing an opportunity for potential financial growth. The platform is available in French and Dutch languages, catering to a wide range of investors in the region. Overall, Look&Fin offers a user-friendly and transparent crowdfunding platform for investment in the real estate and SME sectors. By connecting companies directly with investors, Look&Fin aims to provide a streamlined financing process while offering individuals and organizations the opportunity to generate returns on their investments.

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Finexkap

Anyone can invest in Finexkap, including individuals and institutional investors. The platform specifically targets Very Small Enterprises (VSEs) and Small and Medium-sized Enterprises (SMEs) in France. Finexkap offers Peer-to-Peer (P2P) lending as an investment type, allowing investors to lend money directly to these businesses. Founded in 2012, Finexkap aims to provide a quick and simple solution for cash flow problems faced by VSEs and SMEs. The platform has gained experience and success over the years, financing more than 2.5 million invoices and counting. The minimum investment on Finexkap is as low as 1 EUR, making it accessible to a wide range of investors. However, the specific advertised return on investment is not provided in the information given. While the overview does not mention the languages supported by the platform, the website indicates that it is available in both French and English, suggesting a bilingual option for investors. Overall, Finexkap serves as a crowdfunding platform that focuses on P2P lending for VSEs and SMEs in France. It provides a simple and fast solution for cash flow problems, allowing investors to support these businesses while potentially earning a return on their investment.

Industry:SME
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Lumo

Lumo is a French crowdfunding platform that specializes in P2P lending within the sustainability industry. Founded in 2012, Lumo enables individuals and companies to allocate their savings towards financing projects that have a positive impact and are instrumental in driving the ecological transition. With a minimum investment of just 1 EUR, Lumo offers an accessible entry point for both personal and corporate investors. The platform operates exclusively in French, catering to the local market's language preferences. Lumo's primary focus lies in facilitating investments that contribute to sustainability, encouraging a greener and more environmentally friendly future. By offering P2P lending opportunities, Lumo connects investors with projects that align with their values and interests, allowing them to play an active role in the transition to a more sustainable world. While detailed information about the advertised return is not provided, Lumo emphasizes the meaningfulness and positive impact of the projects it supports. This positioning attracts investors who are not solely motivated by financial returns but also seek to make a difference in environmental sustainability. As one of the pioneering crowdfunding platforms in France, Lumo has demonstrated its commitment to promoting projects that benefit the ecological transition. Through its platform, Lumo has helped facilitate the creation of various sustainability initiatives since its establishment. For those looking to invest in sustainable projects in France and make a difference, Lumo offers a reliable and accessible platform to support the ecological transition.

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Finple

Anyone can invest in Finple as long as they meet the minimum investment requirement of 1,000 EUR. The platform primarily focuses on equity-based investment and peer-to-peer (P2P) lending, allowing investors to financially support small and medium-sized enterprises (SMEs) in France. Founded in 2013 and headquartered in France, Finple provides an online platform for individuals to invest in SMEs and receive potential returns. The platform is operated in the French language, catering to a predominantly French-speaking audience. Finple aims to provide a unique value proposition by combining the efficiency and convenience of a digital platform with the expertise and guidance of passionate entrepreneurship guides. These guides assist investors and entrepreneurs in navigating their crowdfunding journey, offering insights and support throughout the process. The minimum investment requirement of 1,000 EUR enables a wide range of individuals to participate and contribute to the growth of SMEs. The advertised return on investments is 0.095, indicating the potential profitability for investors. Overall, Finple offers a platform that connects investors with entrepreneurs, allowing them to support and contribute to the success of SMEs in France. Its combination of digital features and personalized guidance sets it apart in the crowdfunding landscape, providing a unique experience for both investors and entrepreneurs.

Industry:SME
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Sowefund

Sowefund is a crowdfunding platform based in France that specializes in P2P lending for startups. Established in 2013, Sowefund has become a prominent player in participatory investment in the country. The platform aims to finance innovation in various industries and has successfully supported 35 companies, raising over 17 million euros in four years of operation. As a P2P lending platform, Sowefund connects investors with startups seeking capital. The minimum investment required is 100 euros, making it accessible to a wide range of individuals. The advertised return on investment is not specified on their website, suggesting that it may vary depending on the specific investment opportunity. Sowefund operates primarily in the French market and its website is available only in French. This language limitation may restrict its accessibility to potential investors who are not fluent in French. However, for French speakers looking to invest in startups and support innovation, Sowefund provides a user-friendly platform with a track record of successful fundraising. Overall, Sowefund offers an opportunity for individuals interested in P2P lending to support startups and contribute to economic growth in France. With its long-standing presence in the industry and notable achievements in financing innovation, Sowefund has established itself as a leading crowdfunding platform in the country.

Industry:Startups
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WE DO GOOD

WE DO GOOD is a crowdfunding platform based in France that focuses on P2P lending for small and medium-sized enterprises (SMEs) in the sustainability industry. Founded in 2013, this platform allows individuals and businesses to invest in projects of their choice and make positive impacts on the economy, society, and the environment. The platform is available in both French and English languages, making it accessible to a wider audience. With a minimum investment requirement of 1 unit, WE DO GOOD aims to make investing in sustainable projects accessible to everyone. Although the advertised return is not specified, investors can receive royalties in exchange for their investments. These royalties represent the economic, social, and environmental impacts generated by the projects, which are represented by three pictograms. WE DO GOOD welcomes both personal and corporate investors, encouraging individuals and businesses to contribute to the growth and development of sustainable SMEs. By investing in these projects, investors can support the transition towards a more sustainable and responsible economy. For more information and to explore the investment opportunities, individuals and businesses can visit the WE DO GOOD website at https://www.wedogood.co/.