JV Mechanics — 8.75%/an · 36 mois

Plateforme · 15.0/25

A1 · Statut réglementaire 8.0/8✓ max

agrément AMF AMF licence obtained and confirmed
Maximum score

A2 · Track Record 2.0/6faible

Default 6.82% → 3 pts base (range 3-7%)
Delay >90d not published → N/C → 0 pts
Actual vs announced yield not published → N/C → 0 pts
A2 = (3×0.5 + 0×0.3 + 0×0.2) = 1.5 pts, rounded to 2 as cautious measure on partial but published data

A3 · Rigueur de sélection 1.0/4faible

No selection rate published, process not detailed in available data
Established platform (since 2015) → 1 pt

A4 · Santé financière 3.0/4bon

Independent platform, active since 2015 (>3 years), ongoing collection in 2026, no distress signal identified
Risk score 3/5 indicates viability without sign of structural fragility

A5 · Protection investisseurs 1.0/3faible

agrément AMF licence → 4-day cooling-off period and continuity plan legally mandatory → 1 pt minimum guaranteed
Segregated accounts and secondary market not documented in provided data

Projet · 18.0/75 (23.0 brut, red flags −5)

B1 · Instrument & Structure 6.0/10

B1.1: 5/5 - Direct loan fixed rate French law

B1.2: 2/3 - Direct operator loan, French law

B1.3: 1/2 - Rank undocumented, no known senior debt

B2 · Opérateur & Track record 3.0/15faible

B2.1: 1/4 - Named entity, no director identified in the file

B2.2: 0/5 - No information on activity or experience

B2.3: 0/3 - No history on this platform documented

B2.4: 2/3 - No procedure identified but balance sheet unavailable

B3 · Garanties & Sûretés 2.0/15faible

B3.1: 0/9 - No security documented in the file provided

B3.2: 0/4 - Guarantor not assessed

B3.3: 2/2 - Amount <2M€, no banking partner required; licensed NBFI per SME-NBFI notes

B4 · Structure financière 4.0/15faible

B4.1: 2/5 - taux de couverture de la dette not calculable, risk class C+ suggests tension

B4.2: 1/4 - Operator contribution not documented

B4.3: 0/4 - No stress test or financial data

B4.4: 1/2 - Financial data absent, prudent estimate

B5 · Pré-commercialisation 3.0/10faible

Client portfolio data not communicated in the file → 3/10 by default SME-NBFI without detail

B6 · Permis & Maturité 3.0/5

Established activity (named company, financed project), presumed sound legal structure but documents not provided → 3/5 prudent

B7 · Marché & Localisation 2.0/3

SME lending market France rising, alternative lending 14% CAGR, NPL controlled
Consumer credit tightening and NBFI risks moderate the score → 2/3

Points forts

✓PretUp platform licensed PSFP AMF, regulated framework.

✓Rate 8.75%/year within SME-NBFI norm (7-14%), consistent with risk class.

✓French alternative lending market in strong structural growth (14% CAGR).

✓Limited amount (55,016€) reducing absolute exposure per investor.

✓Project 100% financed by 471 lenders, market liquidity confirmed.

Risques identifiés

!No information on borrower: activity, director, finances, collateral entirely absent.

!Risk class C+ indicates moderate to elevated risk profile per PretUp grid.

!Entire absence of documented security (RF8 triggered, −5 pts).

!Platform default rate 6.82% - non-negligible default probability on this class.

!Consumer credit tightening France Q1 2026 (net 15%) may affect borrower solvency.

⚠ Avertissement sur les risques

Investir en crowdfunding comporte un risque de perte partielle ou totale du capital, ainsi qu'un risque d'illiquidité. Selon le baromètre France FinTech / Forvis Mazars 2025, 25 à 30 % des projets accusent un retard de plus de 6 mois et 4 à 6 % entraînent une perte définitive. Ne placez jamais plus de 5 à 10 % de votre patrimoine en crowdfunding et diversifiez sur au moins 10 projets. CrowdPickr est un service d'information indépendant, non agréé en tant que conseiller en investissement. Les analyses présentées ne constituent pas un conseil en investissement personnalisé.