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PretUp

French crowdlending platform for SMEs, approved PSFP.
21.0/25
Quality score
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Regulation
✓ PSFP
Agrément PSFP obtenu - Prestataire de Services de Financement Participatif
Delay rate
6.3%
projects >6 months late
Loss rate
2.16%
definitive capital losses
Trustpilot
3.8 /5
user satisfaction
About PretUp
PretUp is a French crowdlending platform approved by the AMF (FP-2024-7), specializing in loans to French SMEs and micro-enterprises. Founded in 2014, it has financed hundreds of companies across various sectors of the real economy. A significant change occurred in May 2025: the removal of lender insurance that historically allowed investors to limit losses in case of borrower default. This protection, which was a strong commercial advantage, is no longer available on new campaigns. As of March 31, 2026, PretUp reports a default rate of 6.26% and a loss rate of 2.16%. PretUp targets investors seeking to diversify their savings by directly financing French companies, with monthly repayments and target returns between 5% and 9% per year.
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Platform quality: 5 criteria
Regulation and compliance
8/8
Agrément PSFP AMF FP-2024-7 en cours de validité vérifié — règlement EU 2020/1503 pleinement conforme
Track record and history
4/5
Score ajusté grâce aux données live: taux défaut 2.16% → 4.5/6 (base défaut), taux retard 6.26% → 4.5/6 (base retard), rendement non communiqué → 3/6. Moyenne pondérée: (4.5×0.5 + 4.5×0.3 + 3×0.2) − 2 pts (pas de stats rendement réel publiées) = 4.5/6
Project selection rigor
2/5
Processus de vérification documenté (exhaustivité, exactitude, clarté) sans taux de sélection publié ni comité détaillé
Platform financial health
3/4
Score ajusté grâce aux données live: filiale Partners Finances/Mentor (>25 ans solutions financières), agrément PSFP 2024, revenus €665K (+10% YoY), profit net €16.9K (−71% YoY). Recul limité sur pérennité mais groupe parent solide compense partiellement
Investor protection
3/3
Délai réflexion 4 jours documenté (PSFP obligatoire) — 1 pt. Plan continuité implicite règlement ECSP — 1 pt. Prestataire paiement LemonWay identifié (comptes ségrégués) — 1 pt
These scores evaluate the platform as an operator, independently from individual project quality. Methodology →
Recent news
Updated: 2026-05-06
Disparition de l'assurance prêteur en mai 2025 qui permettait auparavant de limiter les pertes en cas de liquidation judiciaire
Au 31 mars 2026, PretUp affiche un taux de perte de 2.16% et un taux de défaut en montant >6 mois de 6.26%
Communauté de 38 747 investisseurs au 30 avril 2025
Plus de 600 projets financés depuis 2015 pour environ 48M€ de prêts octroyés
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 · Open
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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 →