Comparing crowdlending platforms without an analytical framework means ending up with the best-marketed platform rather than the most solid one. Every platform's sales pitch looks the same: attractive returns, experienced team, rigorous selection. The reality, read in performance statistics and financial statements, is often more nuanced.
At CrowdPickr, we evaluate each platform on five independent dimensions: regulation and licensing (A1), performance track record (A2), project selection rigour (A3), platform financial health (A4), and investor protection (A5). Each dimension is scored out of 5 points, for a total of 25. What follows is our selection for 2026, by segment.
Real estate crowdfunding is the most populated and most contrasted segment. Two years ago, there were still around sixty active platforms in France. There are now only about forty, and natural selection is not finished. Here are the players worth attention in 2026.
Founded in 2012, Anaxago is the oldest crowdfunding platform still active in France. This longevity is not accidental: it rests on demanding deal selection, serious post-financing follow-up, and an offering diversification (real estate and private equity) that allows it to absorb sector shocks. Its CrowdPickr score is among the highest in the market. See the full Anaxago profile.
The caveat: Anaxago is not for everyone. Minimum tickets are often above average (€1,000 to €5,000 depending on the project), and the interface, while functional, is not the most ergonomic on the market. It is a platform for investors already committed to crowdlending, not for beginners.
Founded in 2019, La Première Brique introduced a €1 minimum ticket on its real estate projects, a break from a market accustomed to €1,000 thresholds. This allowed it to build a large and loyal investor base quickly. In terms of projects financed, it is one of the most active platforms in France, with over a hundred operations per year. See the full La Première Brique profile.
Its transparency on repayment statistics, published monthly on its website, is a notable strength in a sector where communication on delays is often vague. La Première Brique's delay rate is around the market average for residential real estate, which, given the volume processed, is an honest performance.
Homunity occupies an intermediate positioning: quality real estate projects, accessible tickets (from €1,000), and fairly rigorous selection on the financial profile of developers. The platform publishes detailed statistics and has maintained delay rates below the market average since 2021. It is among the platforms we score positively.
Baltis positioned itself on more complex real estate operations: restructurings, change of use, mixed-use schemes. This choice implies sometimes longer durations and more elaborate structures, but also higher proposed returns. The platform has a solid performance track record since 2018 and transparent communication on troubled files.
Renewable energy crowdfunding is a segment where concentration is even more pronounced than in real estate. Two platforms dominate the French market by a wide margin: Enerfip and Lendosphere. Together they account for more than 70% of segment fundraising.
Enerfip is the uncontested reference in French energy crowdfunding. Founded in 2014 in Montpellier, it has developed unmatched expertise in selecting and monitoring solar, wind, and biogas projects. Its rate of projects repaid on time exceeds 95%. Returns are modest compared to real estate (5 to 8%), but the risk profile is radically different.
For an investor seeking to anchor their crowdlending portfolio on a stable foundation, Enerfip is the obvious choice. The only caveat is liquidity: durations are long (typically 3 to 7 years) and there is no active secondary market.
Lendosphere, also founded in 2014, differentiated itself from Enerfip through a more activist approach to the energy transition, with regular partnerships with local authorities and citizen cooperatives. Its historical performance is comparable to Enerfip's. Projects are often carried by less capitalised structures but committed to territorial approaches worth supporting.
The Lande Finance case is remarkable. Specialised in agricultural financing in Central and Baltic Europe, the platform has posted since its founding an on-time repayment rate above 95% and zero permanent losses. Projects are backed by tangible assets: farmland, equipment, signed supply contracts. Returns are above average (9 to 13%), making the risk/return profile particularly compelling. Learn more about agricultural crowdlending.
Use our platform comparison and project analyses to build an informed allocation.
CrowdPickr scores are updated quarterly. This article reflects our analysis as of Q1 2026. It does not constitute personalised investment advice.