Bienprêter
French crowdfactoring pioneer — finance SME invoices and operations from €20 with 14.7% average gross return
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Min. deposit: €20
Rating breakdown
Pros
- Exceptional 14.72% average gross interest rate in 2026
- 0% investor losses historically — strong track record
- Low €20 minimum investment
- BP Flex secondary market for early exit
- English language available
- €326M capital financed across 4,647 projects, €152M repaid
Cons
- Crowdfactoring is a niche product — limited diversification
- Past 0% loss rate may not continue
- Less than 5% project acceptance rate means limited supply
- Lemonway payment provider experienced temporary issues (Jan 2026)
Fees & costs
Free for investors — no fees charged. Borrowers pay platform fees.
| Fee type | Cost |
|---|---|
| Minimum deposit | €20 |
Fees as of 23 March 2026. Always verify on the platform's website.
Available products
Platform & features
Available on
Key features
Availability
Languages
Available in 1 country
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Investing involves risk. You could lose some or all of your money. Capmap provides educational information only, not financial advice. Always do your own research before investing.
Last verified: 23 March 2026. Data confidence: high. Full risk disclaimer