Collecticity - Risk and return review
Collecticity - Returns and loss rates
Investment maturity
Collecticity – Pros & Cons
About Collecticity
What it is
Collecticity is a French crowdfunding platform where citizens and businesses lend to local authorities and public bodies: towns, inter-municipal unions and public services such as fire and rescue departments. It is run by Urbanis Finance in Paris and has lent to the crowd since 2016. As of November 2026 it lists 32 projects, 31 funded and 1 in progress; many of the larger ones are institutional loans that are not open to private investors.
How it works
A public body launches a campaign for a project, for example the Haute-Vienne fire and rescue service (SDIS 87) raising €400,000 in 2026 for a forest-fire truck, a solar car-park canopy and energy works. You register, top up a payment account and lend from €100, by card or bank transfer. The loans are amortising: interest and part of the capital are paid back every year, over about five years for the current offer. Investors who are not experienced have four days to cancel.
Returns
Returns are low, in line with lending to public bodies. The crowd loans financed since 2016 paid a weighted average of 1.89% a year, and the return after losses was 1.87% a year (figures as of 31 December 2023, covering 9 loans of €210,400 financed from 2016 to 2019). The offer open in November 2026 targets 2.8% a year gross over 60 months. Returns are before tax.
Losses and defaults
No loss so far. Collecticity reports no definitive loss, no project more than 6 months late or in insolvency proceedings, and no project 0 to 6 months late, with a yearly cost of risk of 0.00% every year from 2016 to 2023. These figures were last updated on 31 December 2023 and cover only the 9 early crowd loans; the projects funded from 2024 to 2026 are not yet included.
What secures your money
The loans and bonds are not secured by any collateral. You lend to French local authorities and public bodies, such as towns, inter-municipal unions and fire and rescue services, and repayment rests on the public borrower's own budget. There is no buyback, guarantee or reserve fund. Collecticity rates each borrower with its own published method; the offer open in November 2026 is rated 'Score A'. Public bodies in France rarely fail to pay, and none has missed a payment on the platform's crowd loans: no loss and no loan more than 6 months late since 2016 (figures as of 31 December 2023). The loans are not covered by a deposit guarantee.
Who runs it and its licence
The platform is run by Urbanis Finance, Paris. The French market regulator (AMF) authorised it as a European crowdfunding service provider, number FP-2023-35, on 21 November 2023; it is also registered with ORIAS, number 15003764. Investors pay it nothing: it is paid by the public bodies it finances.
Fees
Investors pay no fees to Collecticity. The borrower pays the platform for promoting the campaign and for following the loan after it is funded; the details are in each project's documents.
Getting your money out
Collecticity does not describe any way to sell a loan before it ends, so plan to hold it to the end of its term. Because the loans are amortising, part of your capital comes back every year with the interest.
Our view
Return: Very Low: crowd loans since 2016 paid 1.89% a year on average, mostly from local authorities. Risk: Very Low (higher means more risk): no project has lost money or been more than 6 months late. Risk-return: Very Low: the return after losses is 1.87% a year, so the very low risk comes with a very low return.
Regulation
License / Regulation: Urbanis Finance, which runs Collecticity, is authorised by the French market regulator (AMF) as a European crowdfunding service provider, number FP-2023-35, since 21 November 2023, and is registered with ORIAS under number 15003764.
Functionality
For Investors
Useful Information
Yes. Urbanis Finance, which runs it, is authorised by the French market regulator (AMF) as a European crowdfunding service provider, number FP-2023-35, since 21 November 2023.
A payment service provider holds your money in a payment account in your name until it is lent. The provider is not named on the platform's public pages.
€100 on the offer open in November 2026, with no maximum.
Crowd loans since 2016 paid 1.89% a year on average, 1.87% after losses, and no loan has lost money or been more than 6 months late (as of 31 December 2023). The current offer targets 2.8% a year.
No collateral. You lend to a public body, and repayment rests on its budget. Public bodies in France rarely fail to pay.
Collecticity does not describe a way to sell a loan early. Because the loans are amortising, part of your capital comes back every year.
None. The terms say investors pay Collecticity nothing; the borrower pays the platform.
Your loan is owed by the public body, not by Collecticity, and your cash sits with the payment provider. Repayments would continue to be due from the borrower.
Yes, adults and companies can lend from €100 on crowd campaigns. Some larger loans shown on the platform are institutional and not open to private investors.
