Crowdfunding platform

Bienpreter

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Bienprêter is a French crowdfunding platform that specializes in crowdfactoring, a form of peer-to-peer lending. It enables individual investors to finance the working capital of SMEs by providing loans backed by business invoices and other receivables. This approach offers a flexible and relatively secure investment option for retail investors looking to diversify their portfolios with short-term lending opportunities. Bienprêter's model is designed to support SMEs by providing them with an alternative to traditional financing, which is often more cumbersome and less accessible​

Basic information

30397 investors
3228 projects funded
73273852.0 EUR funded amount

Licence/regulation: Bienpreter licensed under European Crowdfunding Service Providers (ECSP) regulation

For Investors

Minium investement: 20 EUR
Average Returns: average rate of 11.94%
Functionality
Deal rating: Yes

Useful Information

How to start investing with Bienprêter?

To start investing with Bienprêter, prospective investors need to create an account on the platform, browse available investment opportunities, and select the ones that match their investment criteria and risk appetite.

What is crowdfactoring with Bienprêter?

Bienprêter connects investors with SMEs that need financing for their working capital. Businesses present unpaid invoices or purchase orders as collateral for loans. Investors can choose projects to fund based on their preferences, and the platform manages the repayment process. The platform uses various types of guarantees to reduce investment risks, providing a safer environment for investors

Risks When Investing on Bienpreter:

Investors face typical risks associated with P2P lending, including the potential for capital loss if borrowers default. Despite this, Bienprêter’s use of guarantees such as personal guarantees and pledged claims mitigates some of the risks. Investors are encouraged to diversify their investments across multiple projects to minimize exposure to any single default​

Investment Types Offered:

Bienprêter offers debt-based investments focused on SME funding through crowdfactoring. This model allows investors to fund loans that are secured by the business's receivables, providing a form of security against the invested capital. The platform caters to both retail and corporate investors, offering opportunities to engage in short-term loans with attractive interest rates

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