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Commande Rother
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BienPrêter Invoice financing 🟢 En souscription

Commande Rother

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16
score / 100
Min. ticket
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À propos

Financing of working capital requirement of Bavarian printer Vetterling Druck KG (Rosenheim). The loan covers an order of 514,800 € excluding VAT of guides, catalogues and display stands for publisher Bergverlag Rother GmbH (Oberhaching). Loan of 263,500 € over 13 months, monthly interest and capital In Fine, collection in progress.

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 · 1.0/75
B1 · Instrument & Structure 0.0/10faible
B1.1: 0/5 - Instrument undocumented, empty document
B1.2: 0/3 - Legal structure and issuer unknown
B1.3: 0/2 - Repayment rank undocumented
B2 · Opérateur & Track record 0.0/15faible
B2.1: 0/4 - No operator or manager mentioned
B2.2: 0/5 - taux de couverture de la dette and historical data not available
B2.3: 0/3 - Platform history unknown
B2.4: 0/3 - Verification of registers impossible, search unavailable
B3 · Garanties & Sûretés 0.0/15faible
B3.1: 0/9 - No documented security
B3.2: 0/4 - Guarantor not identified
B3.3: 0/2 - No banking partner mentioned. RF8 not applied: amount unknown
B4 · Structure financière 0.0/15faible
B4.1: 0/5 - Final debtor not identified
B4.2: 0/4 - Contract self-financing unknown
B4.3: 0/4 - No stress test presented
B4.4: 0/2 - Revenue and cash position not disclosed
B5 · Pré-commercialisation 0.0/10faible

Claim not verifiable: no purchase order or documented debtor in the file

B6 · Permis & Maturité 0.0/5faible

No information on the legal status or seniority of the borrower

B7 · Marché & Localisation 1.0/3faible
  • Score adjusted thanks to live data: French factoring market in growth
  • Sector of debtor and borrower unknown, therefore 1/3 only
Points forts
✓Platform holding a current AMF PSFP licence
✓Investor funds segregated via payment provider Lemonway
✓French invoice financing market in growth
Risques identifiés
!Project document empty: no exploitable data for analysis
!Operator, debtor, amount and rate impossible to confirm
!Web search unavailable: absence of alert proves no solidity
!Opacity of platform default statistics
!RF1, RF8 and RF9 are not evaluable due to lack of data, without deduction applied
Score card
Score card — Commande Rother
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