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Bienprêter

French crowdlending platform for SMEs.
17.9/25
Quality score
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Regulation
✓ PSFP
PSFP (Prestataire de Services de Financement Participatif) - Agrégé depuis 2023
Delay rate
0.0%
projects >6 months late
Loss rate
0.00%
definitive capital losses
Trustpilot
4.6 /5
user satisfaction
About Bienprêter
BienPrêter is a French crowdlending platform dedicated to loans for French SMEs and micro-enterprises. It enables established businesses to raise funds from a community of individual investors to finance their development, equipment, or working capital needs. The platform stands out through a selection process focused on profitability and company track record, with a preference for businesses with several years of financial history. Investors can lend starting from small amounts, with monthly repayments. BienPrêter targets savers who wish to support the real French economy while obtaining returns superior to traditional savings products.
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Platform quality: 5 criteria
Regulation and compliance
8/8
Agrément PSFP AMF valide (FP-2023-38) depuis 2023, avec passeport européen obtenu en octobre 2024 permettant opérations UE. Statut réglementaire au plus haut niveau.
Track record and history
3/5
Score ajusté grâce aux données live: défaut 0.0% affiché (6pts base), retard 0.0% affiché (6pts base), mais opacité critique sur traitement réel des défauts absorbés par réserves internes plateforme. Rendement annoncé 10-15% conforme (6pts base). Calcul: (6×0.5 + 6×0.3 + 6×0.2) = 6.0, MAIS pénalité −2.1pts pour opacité défauts et absorption interne masquant la sinistralité réelle. Score final: 3.9/6.
Project selection rigor
2/5
Mention d'un processus de sélection sans taux publié. Préoccupations identifiées par analystes indépendants sur qualité analyse financière emprunteurs et conflits d'intérêt potentiels (fondateur détient parts dans emprunteur majeur Promup).
Platform financial health
1/4
Score ajusté grâce aux données live: perturbations opérationnelles fin 2025 affectant accès comptes investisseurs/emprunteurs, transition infrastructure Lemonway→Mango, absorption défauts par réserves internes soulevant questions viabilité long terme. Risque survie plateforme identifié si absorption interne continue. 1pt = signal détresse plateforme.
Investor protection
3/3
PSFP agrément impose délai réflexion 4j + plan continuité (1pt obligatoire). Trustpilot 4.6/5 suggère satisfaction client raisonnable. Protection réglementaire minimale assurée par statut PSFP. Score complet car obligations légales respectées.
These scores evaluate the platform as an operator, independently from individual project quality. Methodology →
Recent news
Updated: 2026-05-08
BienPrêter obtained European passport for PSFP agrément in October 2024, enabling operations across EU
Platform experienced temporary operational disruptions in late 2025 affecting investor and borrower account access
Infrastructure transition from Lemonway to MangoPay payment provider completed with minimal service interruption
2024 marked exceptional financial year with increased project volume and innovation (2FA, new robot features)
This analysis is informational only and does not constitute investment advice. Investing via crowdlending carries a risk of partial or total capital loss. Research data is automatically refreshed monthly.
Analysed projects (0)
No projects analysed on this platform yet.
Links
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How is this scored? The quality score (A1–A5) evaluates the platform as an operator: regulatory status, past performance, project selection standards, financial stability, and investor protection mechanisms. Max: 25 points. Read the full methodology →