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PretUp

SME and project financing, PSFP regulatory framework, monthly transparency.
18.0/25
Quality score
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Regulation
✓ PSFP
Agrément PSFP actif
Delay rate
6.3%
projects >6 months late
Loss rate
2.16%
definitive capital losses
Trustpilot
—
no data
About PretUp
PretUp is a crowdlending platform specializing in the financing of small and medium-sized enterprises and professional projects. Approved as a Participatory Financing Services Provider (PSFP) by the French AMF under license number FP-2024-7 since 2024, it operates under ACPR supervision for its lending activities. Since 2015, PretUp has financed over 600 projects for a cumulative volume of approximately 48 million euros, supported by a community of 38,747 investors as of 30 April 2025. A subsidiary of Partners Finances (Mentor Group), the platform benefits from a parent structure established for over 25 years. As of 31 March 2026, PretUp reports a loss rate of 2.16% and a default rate for amounts over 6 months of 6.26%. A significant change occurred in May 2025 with the discontinuation of the borrower insurance that previously provided protection against judicial liquidations. Its Trustpilot rating of 3.8/5 reflects recurring concerns regarding project quality, repayment delays, and defaults.
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Platform quality: 5 criteria
Regulation and compliance
8/8
Agrément PSFP AMF actif, licence FP-2024-7 en cours de validité. Score maximal.
Track record and history
4/6
Défaut 2.16% → 4.5pts (fourchette 1–3%). Retard >6 mois 6.26% → 4.5pts (fourchette 5–15%). Rendement réel vs annoncé N/C → 0pt. Score pondéré: (4.5×0.5)+(4.5×0.3)+(0×0.2)=3.6, arrondi à 4.
Project selection rigor
2/4
Transparence mensuelle des indicateurs documentée. Taux de sélection non publié, processus de comité non détaillé dans les données disponibles.
Platform financial health
3/4
Capital propre faible (200K€) mais adossement au Groupe Partners Finances (300+ collaborateurs, leader rachat de crédit). Aucun signal de détresse plateforme. Disparition assurance prêteur mai 2025 = signal de vigilance, non de détresse structurelle.
Investor protection
1/3
PSFP actif → 1pt minimum garanti (délai réflexion 4j + plan continuité légalement obligatoire). Comptes ségrégués non confirmés. Marché secondaire non documenté. Disparition assurance prêteur mai 2025 réduit la protection globale.
These scores evaluate the platform as an operator, independently from individual project quality. Methodology →
Founding team history
Fondée par Fabien Michel. Données insuffisantes pour retracer les antécédents complets. Fabien Michel est décrit comme ex-chargé de projets de financements chez Partners Finance. Recherche recommandée : vérifier les antécédents professionnels spécifiques et toute expérience préalable dans les plateformes de crowdlending ou P2P.
CrowdRevolt
Non trouvé - données indisponibles
CrowdRevolt is a community initiative grouping investors to collectively demand action from platforms following losses or significant delays.
Recent news
Updated: 29-05-2026
Disparition de l'assurance prêteur en mai 2025, renforçant la prudence des utilisateurs
Plateforme attire les investisseurs par sa transparence mensuelle des indicateurs de performance
Migration de l'infrastructure technologique du site en avril 2025 pour optimiser les performances
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 (1)
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VERNAY 3 — Cofinancement reprise fonds de commerce cuisines AvivA Melun
Prêt entreprise · Funded
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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 →