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.

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

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​

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