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Commande Elitex
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BienPrêter Invoice financing 🟢 En souscription

Commande Elitex

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15
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À propos

Financing of electrical modernisation order (distribution, lighting, metering) for ELITEX textile workshop in Albese con Cassano (Como, Italy). Borrower is Milan-based installer GIANNINI. Loan of 277,534 € over 15 months, monthly interest and capital bullet. Order of 486,400 € presented as 'proposed', without attached purchase order.

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, blank document
B1.2: 0/3 - issuer and legal structure unknown
B1.3: 0/2 - repayment rank not documented
B2 · Opérateur & Track record 0.0/15faible
B2.1: 0/4 - no operator or manager identified
B2.2: 0/5 - taux de couverture de la dette and history unavailable
B2.3: 0/3 - no known platform history
B2.4: 0/3 - verification of registers impossible, operator unknown
B3 · Garanties & Sûretés 0.0/15faible
B3.1: 0/9 - no guarantee documented
B3.2: 0/4 - guarantor not identified
B3.3: 0/2 - no bank partner mentioned, amount unknown
B4 · Structure financière 0.0/15faible
B4.1: 0/5 - final debtor not identified
B4.2: 0/4 - self-financing of contract unknown
B4.3: 0/4 - no stress test presented
B4.4: 0/2 - turnover and cash flow not disclosed
B5 · Pré-commercialisation 0.0/10faible

Claim not verifiable: no purchase order or documented debtor

B6 · Permis & Maturité 0.0/5faible

No information on the legal situation or age of the company

B7 · Marché & Localisation 1.0/3faible
  • Score adjusted thanks to live data: French invoice financing market in growth
  • Sector and debtor unknown, 2026 e-invoicing reform uncertain
⚠ Alertes détectées · −10 pts déduits
Opérateur anonyme −10 pts

No operator or manager named in the file (blank document) - −10 pts.

Points forts
✓Platform holding a current AMF PSFP licence
✓Investor funds segregated via payment service provider Lemonway
✓French invoice financing market in growth
Risques identifiés
!Blank project document: no verifiable data on the transaction.
!Operator, debtor, amount and rate not identified.
!Opacity of platform default statistics documented.
!Web search inconclusive: project reported as delayed, not verified.
!Debtor concentration unknown: risk RF9 not assessable.
Score card
Score card — Commande Elitex
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