{"id":8029,"date":"2024-02-03T10:11:05","date_gmt":"2024-02-03T10:11:05","guid":{"rendered":"https:\/\/www.turbocrowd.it\/?p=8029"},"modified":"2025-05-30T14:54:49","modified_gmt":"2025-05-30T14:54:49","slug":"les-plateformes-de-lending-crowdfunding","status":"publish","type":"post","link":"https:\/\/www.turbocrowd.it\/fr\/les-plateformes-de-lending-crowdfunding\/","title":{"rendered":"Plateformes de lending crowdfunding"},"content":{"rendered":"<p class=\"translation-block\">Le <strong>lending crowdfunding<\/strong> est le mod\u00e8le de collecte de capitaux qui suit le sch\u00e9ma du pr\u00eat : l'entreprise qui lance la campagne sur l'une des plateformes de <strong>lending crowdfunding<\/strong> disponibles collecte de l'argent sous forme de pr\u00eat aupr\u00e8s des participants, puis le rembourse \u00e0 l'\u00e9ch\u00e9ance avec l'int\u00e9r\u00eat pr\u00e9d\u00e9termin\u00e9. Avec l'equity crowdfunding, il s'agit d'un mode de crowdinvesting, dans la mesure o\u00f9 les partisans d'une campagne de lending crowdfunding sont des investisseurs, en ce sens qu'ils apportent un capital, qui est ensuite r\u00e9mun\u00e9r\u00e9.<\/p>\n\n\n\n<p class=\"translation-block\">Avec l'entr\u00e9e en vigueur du <a href=\"https:\/\/www.turbocrowd.it\/fr\/reglement-europeen-sur-le-crowdfunding\/\" target=\"_blank\" rel=\"noreferrer noopener\">r\u00e8glement europ\u00e9en sur le crowdfunding<\/a>, les plateformes de crowdfunding de pr\u00eat sont \u00e9galement soumises \u00e0 des r\u00e8gles sp\u00e9cifiques de fonctionnement et de protection des investisseurs, alors qu'il n'existait jusqu'\u00e0 pr\u00e9sent que quelques r\u00e8gles diss\u00e9min\u00e9es dans plusieurs documents de r\u00e9f\u00e9rence r\u00e9glementaires.<\/p>\n\n\n\n<p class=\"translation-block\">Voyons donc quelles sont les <strong>principales plateformes de crowdfunding en Italie<\/strong>, comment elles fonctionnent et quel est leur r\u00f4le.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Types de plates-formes de financement participatif (lending crowdfunding)<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"translation-block\">Les <strong>plateformes de crowdfunding<\/strong> peuvent \u00eatre de deux types :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><em>entreprise<\/em><\/li>\n\n\n\n<li><em>consommateur<\/em>.<\/li>\n<\/ul>\n\n\n\n<p>Les premi\u00e8res se consacrent exclusivement aux pr\u00eats aux entreprises, les secondes aux pr\u00eats aux particuliers. Les plateformes mixtes sont rares. Dans cet article, nous nous concentrerons sur le premier type.<\/p>\n\n\n\n<p class=\"translation-block\">Une autre distinction est faite entre les plateformes g\u00e9n\u00e9ralistes, qui accueillent des projets et des entreprises de tous les secteurs \u00e9conomiques, et les plateformes immobili\u00e8res, qui se concentrent uniquement sur les <a href=\"https:\/\/www.turbocrowd.it\/fr\/crowdfunding-immobilier-ce-que-cest\/\" target=\"_self\">projets immobiliers, qui sont tr\u00e8s populaires dans le domaine du pr\u00eat<\/a>.<\/p>\n\n\n\n<p class=\"translation-block\">La derni\u00e8re <strong>cat\u00e9gorisation des <strong>plateformes<\/strong> de lending crowdfunding<\/strong> concerne le mod\u00e8le propos\u00e9 aux investisseurs :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"translation-block\">Le<strong>mod\u00e8le r\u00e9pandu<\/strong> permet aux investisseurs int\u00e9ress\u00e9s de mettre des capitaux \u00e0 la disposition de la plateforme et de donner des indications sur le type d'investissement souhait\u00e9 (taux d'int\u00e9r\u00eat, niveau de risque, etc.), mais pas de choisir le projet individuel dans lequel investir, ce qui est la t\u00e2che des op\u00e9rateurs du portail ;<\/li>\n\n\n\n<li class=\"translation-block\">le <strong>mod\u00e8le direct<\/strong> laisse aux investisseurs le choix des projets \u00e0 financer et la finalisation de l'investissement.<\/li>\n<\/ul>\n\n\n\n<p>Le premier mod\u00e8le, le moins adopt\u00e9, s'apparente davantage \u00e0 une forme d'\u00e9pargne g\u00e9r\u00e9e et implique des co\u00fbts de service plus \u00e9lev\u00e9s et des risques moindres. Le second mod\u00e8le est celui qui se rapproche le plus du paradigme actuel du crowdfunding.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Comment fonctionnent les plateformes de financement participatif (lending crowdfunding)<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"translation-block\">&lt;Les plateformes de financement participatif (crowdfunding) disposent d&#039;une \u00e9quipe de s\u00e9lection qui passe au crible les projets propos\u00e9s par les entreprises qui souhaitent lancer une campagne. Le succ\u00e8s d&#039;une plateforme \u00e9tant \u00e9troitement li\u00e9 au succ\u00e8s de ses campagnes, la phase de s\u00e9lection est tr\u00e8s importante : seules les entreprises pr\u00e9sentant un business plan solide et convaincant, une solvabilit\u00e9 acceptable et une bonne connaissance du crowdfunding re\u00e7oivent le <strong>feu vert<\/strong> pour lancer une campagne de lending crowdfunding<\/strong>. Certaines plateformes font appel \u00e0 des agences de notation externes pour \u00e9valuer les entreprises, tandis que d'autres d\u00e9veloppent des mod\u00e8les de notation de cr\u00e9dit en interne.<\/p>\n\n\n\n<p>Il est dans l'int\u00e9r\u00eat de toutes les parties concern\u00e9es - plateforme, entreprise, investisseur - que la s\u00e9lection soit rigoureuse, car une campagne qui \u00e9choue nuit \u00e0 tout le monde. Il est pr\u00e9f\u00e9rable pour une entreprise d'\u00eatre rejet\u00e9e \u00e0 un moment o\u00f9 elle n'est pas pr\u00eate pour une campagne de crowdfunding, plut\u00f4t que d'essayer \u00e0 tout prix et d'\u00eatre confront\u00e9e \u00e0 l'\u00e9chec. Souvent, les plateformes de crowdfunding assortissent le rejet des propositions de conseils et d'orientations pour renforcer les faiblesses et atteindre le niveau requis de pr\u00e9paration et de solidit\u00e9.<\/p>\n\n\n\n<p class=\"translation-block\">Les entreprises qui passent la s\u00e9lection doivent pr\u00e9parer le mat\u00e9riel \u00e0 inclure dans la<strong>page de campagne sur le portail de crowdfunding<\/strong> : certaines donn\u00e9es sont obligatoires pour tous, par exemple le taux d'int\u00e9r\u00eat, la dur\u00e9e du pr\u00eat, la classe de risque et le plan d'affaires, tandis que d'autres peuvent varier d'un portail \u00e0 l'autre.<\/p>\n\n\n\n<p class=\"translation-block\">En g\u00e9n\u00e9ral, un membre de l'\u00e9quipe de la plateforme a pour mission de soutenir les entreprises dans cette phase et c'est souvent le m\u00eame <em>campaign manager<\/em> qui assure ensuite le suivi de l'op\u00e9ration. Les diff\u00e9rentes plateformes de crowdfunding offrent un soutien de qualit\u00e9 et de quantit\u00e9 variables et nombre d'entre elles proposent des services payants suppl\u00e9mentaires et des collaborations avec des partenaires externes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Gestion des pr\u00eats dans le cadre du financement participatif (lending crowdfunding)<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"translation-block\">Les paiements effectu\u00e9s par les <strong>investisseurs dans le cadre du lending crowdfunding<\/strong> sont trait\u00e9s par les plateformes par l'interm\u00e9diaire d'institutions de paiement tierces : les plateformes ne conservent pas l'argent, mais agissent en tant qu'\"agents d'institutions de paiement\". \u00c0 la fin de la campagne, c'est l'agent de paiement qui verse le capital collect\u00e9 \u00e0 l'entreprise. Toutefois, les plateformes retiennent d'abord une <em>frais de succ\u00e8s<\/em> sur le montant total collect\u00e9, ce qui repr\u00e9sente leur r\u00e9mun\u00e9ration.<\/p>\n\n\n\n<p>Les entreprises peuvent g\u00e9n\u00e9ralement choisir entre deux m\u00e9thodes de remboursement des pr\u00eats :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"translation-block\">&lt;l&#039;amortissement, c&#039;est-\u00e0-dire le paiement en plusieurs tranches \u00e0 des dates fixes pr\u00e9d\u00e9termin\u00e9es ;<\/li>\n\n\n\n<li class=\"translation-block\"><em>bullet<\/em>, c'est-\u00e0-dire le remboursement du pr\u00eat en une seule fois \u00e0 la fin de la campagne et les paiements d'int\u00e9r\u00eats p\u00e9riodiques qui s'ensuivent.<\/li>\n<\/ul>\n\n\n\n<p class=\"translation-block\">Ce sont les <strong>plateformes de crowdfunding<\/strong> qui v\u00e9rifient la r\u00e9gularit\u00e9 des paiements, mais elles n'agissent pas en tant que garants et, en cas d'insolvabilit\u00e9, elles ne sont en aucun cas responsables.<\/p>\n\n\n\n<p>Les entreprises peuvent pr\u00e9senter leurs propres garants pour \u00eatre associ\u00e9es aux campagnes de crowdfunding, ce qui augmente leur attrait pour les investisseurs. Pour certains types de projets, il est possible de demander l'activation du Fonds de garantie de l'\u00c9tat. Enfin, certaines plateformes proposent un fonds de couverture en cas d'insolvabilit\u00e9, aliment\u00e9 par des frais factur\u00e9s aux investisseurs eux-m\u00eames : une sorte d'assurance.<\/p>\n\n\n\n<p>Le dernier aspect \u00e0 consid\u00e9rer est le traitement de l'imposition des int\u00e9r\u00eats : certaines plateformes ont conclu des partenariats avec des services qui agissent en tant qu'agents de retenue fiscale pour les investisseurs et se chargent de retenir l'imp\u00f4t 26% sur les int\u00e9r\u00eats pay\u00e9s par les entreprises, tandis que d'autres n'offrent pas ce service et laissent donc \u00e0 l'entreprise le soin d'appliquer la retenue \u00e0 la source sur les int\u00e9r\u00eats.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Le r\u00f4le des plateformes<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"translation-block\">Comme nous l'avons d\u00e9j\u00e0 soulign\u00e9 pour les <a href=\"https:\/\/www.turbocrowd.it\/fr\/recompenser-les-plateformes-de-crowdfunding\/\" target=\"_self\">plateformes de crowdfunding de r\u00e9compense<\/a>, il est \u00e9galement n\u00e9cessaire de clarifier ce que l'on peut attendre des portails et ce qui ne l'est pas pour les plateformes de pr\u00eat.<\/p>\n\n\n\n<p class=\"translation-block\">Souvent, en effet, <strong>les entreprises pensent que ce sont les plateformes qui am\u00e8nent les investisseurs<\/strong> : \u00e0 moins qu'il ne s'agisse d'un portail avec un mod\u00e8le r\u00e9pandu, payant, ce n'est pas le cas.<\/p>\n\n\n\n<p class=\"translation-block\">Les activit\u00e9s promotionnelles que les portails peuvent mener pour leurs campagnes sont limit\u00e9es et g\u00e9n\u00e9riques : le gros des soutiens provient des communaut\u00e9s que les entreprises parviennent \u00e0 cr\u00e9er autour d'elles et de leur projet, en faisant du marketing strat\u00e9gique. Les principaux investisseurs, en fait, sont les <a href=\"https:\/\/www.turbocrowd.it\/fr\/recherche-dinvestisseurs-pour-les-entreprises-en-phase-de-demarrage\/\" target=\"_self\">clients ou clients potentiels <\/a> de l'entreprise qui propose le projet, et qui mieux que cette derni\u00e8re peut les atteindre ?<\/p>\n\n\n\n<p>D'autant plus que le nouveau r\u00e8glement de l'UE a introduit une interdiction pour les plateformes de promouvoir explicitement des campagnes individuelles.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Les meilleures plateformes de financement participatif (crowdfunding)<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"translation-block\">Le <a href=\"https:\/\/www.osservatoriefi.it\/efi\/wp-content\/uploads\/2023\/07\/reportcrowd2023.pdf\" target=\"_self\">rapport 2023<\/a> de l'Observatoire du crowdinvesting de l'\u00c9cole polytechnique de Milan a enregistr\u00e9 en juillet 2023 un total de<strong>4 plateformes de crowdfunding de pr\u00eat \u00e0 la consommation, 10 plateformes commerciales g\u00e9n\u00e9ralistes et 17 plateformes commerciales sp\u00e9cialis\u00e9es dans l'immobilier<\/strong>.<\/p>\n\n\n\n<p>Voici les principales plateformes non immobili\u00e8res :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.relender.eu\/\" target=\"_blank\" rel=\"noreferrer noopener\">Pr\u00eateur \u00e0 nouveau<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/web.evenfi.com\/it\" target=\"_blank\" rel=\"noreferrer noopener\">EvenFi<\/a><\/li>\n\n\n\n<li class=\"translation-block\"><a href=\"https:\/\/www.ener2crowd.com\/it\/home\" target=\"_self\">Ener2Crowd<\/a> (sp\u00e9cialis\u00e9 dans les projets verts)<\/li>\n\n\n\n<li><a href=\"https:\/\/www.crowdlender.it\/it\/home\" target=\"_blank\" rel=\"noreferrer noopener\">Pr\u00eateur sur gages<\/a>.<\/li>\n<\/ul>\n\n\n\n<p>Les principaux acteurs de l'immobilier sont les suivants :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.recrowd.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Recrowd<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rendimentoetico.it\/\" target=\"_blank\" rel=\"noreferrer noopener\">Performance \u00e9thique<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.trusters.it\/\" target=\"_blank\" rel=\"noreferrer noopener\">Fiduciaires<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.bridgeasset.it\/\" target=\"_blank\" rel=\"noreferrer noopener\">Actif de pont<\/a>.<\/li>\n<\/ul>\n\n\n\n<p>Enfin, nous vous rappelons qu'avec l'entr\u00e9e en vigueur du r\u00e8glement europ\u00e9en, il est possible de<strong>pr\u00eater des campagnes de crowdfunding \u00e9galement sur des plateformes \u00e9trang\u00e8res autoris\u00e9es<\/strong>par exemple :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.winwinner.be\/\" target=\"_blank\" rel=\"noreferrer noopener\">Gagnant<\/a> en Belgique<\/li>\n\n\n\n<li><a href=\"https:\/\/crowdpear.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Crowdpear<\/a> en Lituanie<\/li>\n\n\n\n<li><a href=\"https:\/\/urbanitae.com\/it\/\" target=\"_blank\" rel=\"noreferrer noopener\">Urbanitae<\/a> en Espagne<\/li>\n\n\n\n<li><a href=\"https:\/\/www.clubfunding.fr\/\" target=\"_blank\" rel=\"noreferrer noopener\">Financement par les clubs<\/a> en France<\/li>\n<\/ul>\n\n\n\n<p>et bien d'autres.<\/p>\n\n\n\n<p>Le choix d'une plateforme de crowdfunding est important et d\u00e9licat et les diff\u00e9rentes options disponibles doivent \u00eatre analys\u00e9es avec soin, en fonction des besoins de chacun.<\/p>\n\n\n\n<p class=\"translation-block\">&lt;Turbo Crowd peut vous accompagner dans le choix de la plateforme, ainsi que dans les activit\u00e9s marketing indispensables \u00e0 toute campagne de crowdfunding, qui sont notre sp\u00e9cialit\u00e9 : pour savoir ce que nous pouvons faire pour vous, <\/strong><a href=\"https:\/\/www.turbocrowd.it\/fr\/reserver-une-consultation-gratuite\/\" target=\"_self\"><strong>r\u00e9servez une consultation initiale gratuite<\/strong><\/a><strong>!<\/strong> !<\/p>","protected":false},"excerpt":{"rendered":"<p>Le crowdfunding de pr\u00eat est le mod\u00e8le de collecte de capitaux qui suit le sch\u00e9ma du pr\u00eat : l'entreprise qui lance la campagne sur l'une des plateformes de crowdfunding de pr\u00eat disponibles collecte des fonds pr\u00eat\u00e9s par les participants et les rembourse \u00e0 l'\u00e9ch\u00e9ance avec des int\u00e9r\u00eats pr\u00e9\u00e9tablis.<\/p>","protected":false},"author":16,"featured_media":8030,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[7],"tags":[237,408],"class_list":["post-8029","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-abc-crowdfunding","tag-lending-crowdfunding","tag-piattaforma-crowdfunding"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Piattaforme lending crowdfunding | Turbo Crowd<\/title>\n<meta name=\"description\" content=\"Con il Regolamento UE sul crowdfunding, anche le piattaforme di lending crowdfunding sono diventate soggette a una normativa specifica.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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