KARA MOTORS - Achat-vente de véhicules - lot 2

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 · 16.0/75

B1 · Instrument & Structure 5.0/10

B1.1: 2/5 - Lot 2 instrument undocumented, blank document

B1.2: 2/3 - Direct loan presumed from KARA MOTORS, French law

B1.3: 1/2 - No known senior debt, rank undocumented

B2 · Opérateur & Track record 5.0/15faible

B2.1: 1/4 - Entity named, manager not identified in data

B2.2: 1/5 - SME automotive trader, cyclical sector, history unknown

B2.3: 2/5 - Lot 1 and BMW M4 financed, repayment not confirmed

B2.4: 1/3 - No proceeding found, financial statements unavailable, searches incomplete

B3 · Garanties & Sûretés 3.0/15faible

B3.1: 2/9 - Lot 2 guarantees unknown. Joint and several guarantee on prior lot

B3.2: 1/4 - Guarantor not financially assessed

B3.3: 0/2 - No banking partner. Borrower not NBFI, specific note inapplicable

B4 · Structure financière 0.0/15faible

B4.1: 0/5 - No EBITDA or taux de couverture de la dette available

B4.2: 0/4 - Equity contribution undocumented

B4.3: 0/4 - No stress test presented

B4.4: 0/2 - Margin and taux de couverture de la dette not disclosed

B5 · Pré-commercialisation 1.0/10faible

Activity and customer data not disclosed
Blank document
SME grid: 1 point

B6 · Permis & Maturité 1.0/5faible

Company registered on Bienprêter since October 2023
Legal documents and company age not provided
0 employees in 2026

B7 · Marché & Localisation 1.0/3faible

Score adjusted through live data: upward trend in alternative credit in France, but credit standards tightened and automotive trading market cyclical

Points forts

✓Bienprêter platform holds a valid PSFP licence from AMF.

✓Borrower identified with two prior financings on the platform.

✓Prior lot guaranteed by manager's joint and several guarantee and vehicle pledge.

✓No collective insolvency proceeding reported in searches conducted.

Risques identifiés

!Blank presentation document: lot 2 conditions not verifiable.

!Repayment of BMW M4 project (August 2025) not confirmed.

!Company with no employees in 2026, operational capacity to monitor.

!No financial data available: DSCR, margin and equity unknown.

!Lot 2 guarantees undocumented, manager not named.

⚠ 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.