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À propos

Switch Racing (SAS registered on 12/11/2024 in Brignoles, Var) is requesting €488,600 over 18 months to finance the complete 2027 French Drift Championship season, with three major sponsors (Milwaukee, Goodyear, Red Bull) totalling €1,046,000 in sponsorship contracts. The financing covers advance expenses prior to partner settlements. Final maturity repayment with monthly interest, guaranteed by joint and several guarantee and payment delegations.

Plateforme · 15.0/25

A1 · Statut réglementaire 8.0/8✓ max

agrément AMF licence from AMF valid since 2023
Maximum applicable score without reservation

A2 · Track Record 2.0/6faible

Score adjusted using live data: official rates 0%/0% but documented opacity (borrowers in compulsory liquidation not recorded)
Real statistics unpublishable - default N/C (0), delay N/C (0), yield N/C (0)
Opacity penalty applied
Score: 2/6

A3 · Rigueur de sélection 1.0/4faible

Mention of risk scoring improvements in 2025, but documented financing of borrowers in collective insolvency proceedings indicates historically deficient selection
No selection rate published

A4 · Santé financière 2.0/4

Independent platform, agrément AMF since 2023, outstanding portfolio growing
Lemonway operational blocks documented end 2025
No institutional shareholders
No signal of collective insolvency proceeding on the platform itself

A5 · Protection investisseurs 2.0/3

agrément AMF licensed: reflection period 4 days plus continuity plan = 1 mandatory point
PSP Lemonway third party identified = 1 point (segregation)
Absence of documented secondary market = 0 points

Projet · 0.0/75 (1.0 brut, red flags −10)

B1 · Instrument & Structure 0.0/10faible

B1.1: 0/5 - Instrument not documented, empty document

B1.2: 0/3 - Legal structure unknown

B1.3: 0/2 - Repayment rank not documented

B2 · Opérateur & Track record 0.0/15faible

B2.1: 0/4 - No director named in the file

B2.2: 0/5 - No taux de couverture de la dette data or history

B2.3: 0/3 - Platform history unknown

B2.4: 0/3 - Operator not identifiable on registers

B3 · Garanties & Sûretés 0.0/15faible

B3.1: 0/9 - No documented guarantee

B3.2: 0/4 - Guarantor not identified

B3.3: 0/2 - No banking partner; amount unknown, RF2 not applied

B4 · Structure financière 0.0/15faible

B4.1: 0/5 - Final debtor not identified

B4.2: 0/4 - Self-financing not documented

B4.3: 0/4 - No stress test

B4.4: 0/2 - Turnover and cash flow not disclosed

B5 · Pré-commercialisation 0.0/10faible

Claim not verifiable: no debtor, purchase order or invoice amount presented in the file

B6 · Permis & Maturité 0.0/5faible

No information on the borrowing company's legal status, age or licences

B7 · Marché & Localisation 1.0/3faible

Live data: invoice financing market in growth in France
No project-specific data; caution applied

Points forts

✓Platform holding a valid PSFP licence from the AMF.

✓Investor funds segregated via payment service provider Lemonway.

✓French invoice financing market in growth according to live data.

Risques identifiés

!Project document empty: no analysable data on the transaction.

!Borrower, directors and final debtor not identified in the file.

!Impossible to verify debtor concentration (RF9) or guarantees (RF8).

!Platform default statistics deemed opaque according to live data.

!E-invoicing reform September 2026 liable to disrupt borrower operations.

⚠ 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.