Homunity | Crowdlending Platform Review

About Homunity

Homunity is a French real estate crowdfunding platform founded in 2014, approved as a PSFP by the AMF (FP-2023-31) since November 2023. It specializes in financing real estate developers and property merchants in France, with residential and commercial projects across the country. The platform has financed several hundred projects for a total volume collected exceeding 300 million euros. However, as of March 31, 2026, it displays a high default rate of 33.98%, with 75 projects overdue by more than 6 months, and is among the most cited platforms on CrowdRevolt. The definitive loss rate remains at 0% at this stage. Homunity targets experienced investors aware of the specific risks associated with French real estate development, particularly in the context of a slowed market since 2023.

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Platform quality: 5 criteria

Regulation and compliance

8/8

PSFP AMF FP-2023-31 obtenu le 9 novembre 2023, en vigueur. Statut CIF et COA ORIAS 16003112. Membre France FinTech et CNCEF.

Track record and history

3/5

Score ajusté grâce aux données live: Défaut rate 0.0% → 6/6×0.5=3.0. Retard rate 33.98% → 0/6×0.3=0.0. Rendement réel 10.16% conforme fourchette annoncée → 6/6×0.2=1.2. Weighted: (3.0+0.0+1.2)=4.2, mais pénalité −2 pts pour forte dégradation: 110/112 projets en retard, 80 en procédure collective, TRI chute. Total: 3/6.

Project selection rigor

2/5

Processus de sélection via comité interne mentionné. Taux de sélection non publié. Analyse financière présente dans les dossiers.

Platform financial health

3/4

Score ajusté grâce aux données live: Filiale Tikehau Capital (50Mds€ AUM), groupe institutionnel solide. MAIS perte nette SAS Homunity −2.24M€ (2024) vs −12.5K€ (2023), collecte −66.46% (2022-2025). Risque PLATEFORME modéré mais pas de détresse imminente. 3/4.

Investor protection

1/3

Délai réflexion 4 jours + PCA Capsens documenté → 1 pt (obligatoire PSFP). Comptes ségrégués non mentionnés → 0 pt. Marché secondaire non documenté → 0 pt. Total: 1/3.

These scores evaluate the platform as an operator, independently from individual project quality. Methodology →

CrowdRevolt

Multiple Homunity projects listed on CrowdRevolt including TERNES-ETOILE, MESANGE, WESTINGHOUSE, IKOM, and FINANCEMENT DE STRUCTURE GIV2. CrowdRevolt is an initiative grouping disappointed crowdfunding investors to collectively demand action from platforms.

CrowdRevolt is a community initiative grouping investors to collectively demand action from platforms following losses or significant delays.