Paid loans are a form of financing that used to belong only to banking organizations. Today, thanks to the decree of October 1, 2014, the practice is released, and each individual can now lend money for compensation.

Today, there are two types of crowdfunding: P2P (Peer-to-Peer), and P2B (Peer-to-Business)

  • P2P lending: An individual will reap money from many individuals who want to help him.
  • P2B lending: An individual invests in a business (creation or development).

The participative business loan is profitable

the participative business loan is profitable

The equity loan is an attractive alternative to grow your savings.

Internet users can decide to lend the amount of money they want to SMEs they choose. To diversify their investments they can (it is strongly advised) to finance several projects.

The equity loan is an excellent opportunity to put dormant money in innovative or ambitious projects, and to earn money through the proposed interest rates.

When we know that the interest rate of booklet A is 1%, it may be appropriate to consider more interesting investment tools such as loans. Of course, high rates are associated with higher risk, and loans are generally not guaranteed, as is the case with regulated booklets.

Depending on the platform and project, interest rates can go up to 15%.

Zero risk does not exist . When we invest, we are necessarily exposed to risks. 

However, the risks of the equity loan can be minimized, provided that the following 2 common sense rules are respected:

  1. “Working with a trusted partner”: choose a platform that selects projects strictly, without making volume at any cost
  2. “Do not put all your eggs in one basket”. Loans should be diversified to reduce the impact of a business failure on the overall investment portfolio.

On the other hand, strives to minimize the operational risks of the platform. We work with quality partners such as S-money for the conservation of funds and anti-money laundering controls.

You keep control of your loans

You keep control of your loans

You alone are the master of your decisions , about the money you want to invest. The equity loan allows you to choose the project in which you want to invest, as well as the amount invested.

You have the option of reinvesting interest and depreciated capital , or simply withdrawing them. The platforms are clear and transparent about these choices.

You lend to companies and finance the real economy


The participative business loan makes it possible to finance companies looking for an alternative method of financing. This financing often replaces or supplements bank financing.

It allows to link lenders and project holders without going through a financial intermediary. The user can finance the project of a company in a few clicks, and allow it to develop.

Participatory loan: a great opportunity for entrepreneurs who need funds.

To finance SMEs is to participate in the genesis of a great adventure, to witness their development, and to participate in the creation of potential jobs.

In short, lending money through this means financing the real economy , and removing intermediaries to facilitate business financing and innovation.

The participative business loan is framed

 The participative business loan activity is framed. The platform must obtain credit institution approval from the ACPR (Prudential Supervisory Authority and resolution) and the status of IFP (Intermediary in crowdfunding) to ensure both lenders and borrowers reliability and security on this practice.

In addition, crowdfunding platforms must inform members of the risk involved and make available a decision-making tool for people who want to invest, indicating the reasonable amount they can lend based on their income and wealth.

To conclude :

The equity loan is an interesting and profitable financing solution. In addition to making money from savings, you support the economy, the development of SMEs and job creation .