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Lendopolis

French crowdfunding platform for SMEs and local projects, subsidiary of La Banque Postale.
22.7/25
Quality score
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Regulation
✓ PSFP
PSFP (Prestataire de Services de Financement Participatif) approved
Delay rate
1.1%
projects >6 months late
Loss rate
0.74%
definitive capital losses
Trustpilot
4.4 /5
user satisfaction
About Lendopolis
Lendopolis is a French crowdfunding platform founded in 2014 and backed by the La Banque Postale group. It finances French SMEs as well as projects of local interest (local authorities, associations, renewable energy), with a focus on community engagement and support for territorial economic development. Lendopolis's affiliation with La Banque Postale provides it with a solid institutional foundation and credibility among both project promoters and investors. The platform operates under PSFP approval and continues the public service values of its shareholder. Lendopolis primarily targets investors seeking to finance French businesses rooted in their territory, with moderate risk profiles and returns generally targeting 4% to 8% per year.
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Platform quality: 5 criteria
Regulation and compliance
8/8
Agrément PSFP AMF en cours de validité (FP-2023-26) vérifié — statut réglementaire optimal.
Track record and history
5/5
Défaut rate 0.74% (<1%) → 6/6. Retard rate 1.14% (<5%) → 6/6. Rendement réel: données insuffisantes pour calculer écart vs fourchette annoncée → 3/6. Score ajusté grâce aux données live: utilisation des taux exacts communiqués (défaut 0.74%, retard 1.14%). Calcul: (6×0.5 + 6×0.3 + 3×0.2) = 5.4/6. Zéro perte sur ENR depuis 2019 documentée → bonus implicite appliqué → 5.7/6.
Project selection rigor
3/5
Taux de sélection non publié mais processus détaillé documenté: recentrage stratégique 2019 sur ENR uniquement, analyse financière indépendante des projets renouvelables. Aucun défaut ENR depuis 2019 témoigne d'une sélection rigoureuse.
Platform financial health
4/4
Score ajusté grâce aux données live: résultat net positif 434K€ en 2024, acquisition par Lendosphere (filiale 123 Investment Managers) en novembre 2024 renforce capitalisation. 373M€ collectés, 69K+ membres actifs, aucun risque de survie identifié. Groupe capitalisé, >5 ans existence.
Investor protection
2/3
Délai de réflexion 4 jours + plan de continuité documenté (obligatoire PSFP) → 1/1. Comptes ségrégués: prestataire de paiement tiers non identifié dans le document fourni → 0/1. Marché secondaire: non documenté dans les données disponibles → 0/1. Mécanisme de recouvrement ENR collatéral actif documenté (installations physiques) → 1/1.
These scores evaluate the platform as an operator, independently from individual project quality. Methodology →
Recent news
Updated: 2026-05-08
Lendopolis acquired by Lendosphere in November 2024, strengthening its financial position
Platform has collected over 373 million euros cumulatively across 470+ projects
Zero losses recorded on renewable energy projects since strategic refocus in 2019
Average project duration extended to 50-53 months (approximately 4-4.4 years)
2025 performance: 6.85% gross annual yield across all products, 4.79% net after taxes
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.
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No projects analysed on this platform yet.
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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 →