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Commande Lloyd's
BI
BienPrêter Invoice financing Financé
Ce projet est clôturé. L'analyse ci-dessous reflète les informations disponibles au moment de la souscription et n'a pas été mise à jour.

Commande Lloyd's

Fragile
45
score / 100
Yield
12%/yr
Duration
15 months
Min. ticket
—
Amount raised
960 k€
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À propos

Financing of invoice of 960,000€ over 15 months for Paddock33, Paris-based SAS for concierge services for luxury vehicles. The company executes an exclusive master agreement with Lloyd's of London for logistics management of salvaged prestige vehicles. Final repayment with payment delegation, joint and several guarantee and pledge of goodwill.

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 · 30.0/75 (35.0 brut, red flags −5)
B1 · Instrument & Structure 8.0/10bon
B1.1: 5/5 - Direct ECSP loan, fixed rate 12%, French law
B1.2: 2/3 - Direct borrowing by the operator, without dedicated société dédiée (SPV)
B1.3: 1/2 - Pledge claimed, registration not documented in the file
B2 · Opérateur & Track record 4.0/15faible
B2.1: 2/4 - Manager William Stein appointed, without detailed profile
B2.2: 1/5 - Company 3 years old, taux de couverture de la dette not documented, single financial year
B2.3: 0/4 - No platform history documented
B2.4: 1/3 - Gearing ~2.3, registers not verified
B3 · Garanties & Sûretés 6.0/15faible
B3.1: 5/9 - Payment delegation and pledge of the fund, acceptance and registration not proved
B3.2: 1/4 - Manager's joint and several guarantee, assets not valued
B3.3: 0/2 - No banking partner (project <2M€)
B4 · Structure financière 6.0/15faible
B4.1: 2/5 - Debtor AA-, but 100% concentration on single debtor
B4.2: 3/4 - ~39% outside crowd, partly from future collections
B4.3: 0/4 - No stress test, crowd/contract ratio ~60%
B4.4: 1/2 - Single financial year, liquidity 2.74
B5 · Pré-commercialisation 6.0/10

B5: 6/10 - Foreign debtor identified (Lloyd's) and master agreement described, but contract not attached and volume not firm

B6 · Permis & Maturité 3.0/5

B6: 3/5 - Registration in 2023, single financial year published, licences and authorisations not documented

B7 · Marché & Localisation 2.0/3
  • B7: 2/3 - Paris, established market, stable trend according to live data
  • Real estate data of limited relevance for a services business
⚠ Alertes détectées · −5 pts déduits
Concentration débiteur élevée −5 pts

100% of the receivable on Lloyd's of London - concentration on single debtor

Points forts
✓Final debtor reputable, rated AA- by Standard & Poor's
✓Financial year N-1 profitable: net margin 19%, EBITDA 428 K€
✓General liquidity 2.74, no declared credit default
✓Multiple guarantees: payment delegation, pledge, joint and several guarantee
✓Platform licensed PSFP AMF, funds managed by Lemonway
Risques identifiés
!Master agreement with Lloyd's not attached; contractual volume not firm
!Lloyd's is a marketplace; the actual legal counterparty is not specified
!Loan of 960 K€ exceeds the total assets of the borrower (1.08 M€)
!Acceptance of payment delegation by debtor not documented
!Financial data limited to single financial year; no stress test presented
Score card
Score card — Commande Lloyd's
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