{"id":8863,"date":"2024-05-24T14:05:25","date_gmt":"2024-05-24T14:05:25","guid":{"rendered":"https:\/\/www.turbocrowd.it\/?p=8863"},"modified":"2024-05-24T14:30:14","modified_gmt":"2024-05-24T14:30:14","slug":"lequity-crowdfunding-ou-le-lending-crowdfunding","status":"publish","type":"post","link":"https:\/\/www.turbocrowd.it\/fr\/lequity-crowdfunding-ou-le-lending-crowdfunding\/","title":{"rendered":"Equity crowdfunding vs Lending crowdfunding : lequel choisir ?"},"content":{"rendered":"<p class=\"translation-block\">Une fois que vous avez d\u00e9couvert <a href=\"https:\/\/www.turbocrowd.it\/fr\/les-types-de-crowdfunding\/\" target=\"_blank\" rel=\"noreferrer noopener\">le nombre et les types de crowdfunding existants<\/a>, il peut \u00eatre difficile de savoir <strong>lequel choisir pour lever des capitaux <\/strong>et d\u00e9velopper votre entreprise. En fonction du mod\u00e8le \u00e9conomique, du stade de d\u00e9veloppement de l'entreprise, de sa structure et de ses objectifs futurs, un type sp\u00e9cifique de crowdfunding peut \u00eatre plus adapt\u00e9 qu'un autre. Il ne faut donc pas oublier qu'outre le crowdfunding, il existe d'autres formes de financement alternatif : nous les avons toutes r\u00e9sum\u00e9es dans notre <a href=\"https:\/\/www.turbocrowd.it\/fr\/strategies-de-mobilisation-de-capitaux\/\" target=\"_blank\" rel=\"noreferrer noopener\">article sur les 8 piliers de la lev\u00e9e de fonds<\/a>, que toute entreprise d\u00e9sireuse de cro\u00eetre de mani\u00e8re efficace et continue devrait conna\u00eetre.<\/p>\n\n\n\n<p class=\"translation-block\">Mais dans cet article, commen\u00e7ons par les choix les plus simples : <strong>equity crowdfunding ou lending crowdfunding?<\/strong> Ce sont les deux formes les plus connues de crowdfunding et celles qui peuvent sembler se chevaucher le plus en termes d'objectif. En r\u00e9alit\u00e9, <a href=\"https:\/\/www.turbocrowd.it\/fr\/differences-equity-crowdfunding-lending-crowdfunding\/\" target=\"_blank\" rel=\"noreferrer noopener\">les diff\u00e9rences sont nombreuses<\/a> et il est important de faire un choix \u00e9clair\u00e9 entre les deux types, car l'un ne vaut pas l'autre.<\/p>\n\n\n\n<p>C'est pourquoi, avant de passer aux conseils pratiques, il est utile de r\u00e9sumer bri\u00e8vement les caract\u00e9ristiques de l'equity crowdfunding et du lending crowdfunding.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Caract\u00e9ristiques du financement participatif (equity crowdfunding) : une vue d'ensemble<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"translation-block\">L'equity crowdfunding<\/strong> est la collecte de capital-risque en ligne par la vente d'actions d'entreprises \u00e0 des investisseurs. Examinons ses principales caract\u00e9ristiques :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>l'entreprise ouvre sa structure \u00e0 l'entr\u00e9e de nouveaux actionnaires<\/li>\n\n\n\n<li>l'entreprise doit proc\u00e9der \u00e0 une augmentation de capital aupr\u00e8s d'un notaire et fixer les limites financi\u00e8res de l'op\u00e9ration (minimum et maximum)<\/li>\n\n\n\n<li class=\"translation-block\">les investisseurs versent un capital et, proportionnellement \u00e0 celui-ci et \u00e0 la <a href=\"https:\/\/www.turbocrowd.it\/fr\/levaluation-pre-monetaire\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u00e9valuation avant paiement<\/a>, re\u00e7oivent une ou plusieurs actions de l'entreprise.<\/li>\n\n\n\n<li>les droits de propri\u00e9t\u00e9 et\/ou les droits d'administration des nouveaux actionnaires, d\u00e9termin\u00e9s par la soci\u00e9t\u00e9, sont attach\u00e9s \u00e0 chaque action.<\/li>\n<\/ul>\n\n\n\n<p class=\"translation-block\">Une <strong>relation<\/strong> tr\u00e8s \u00e9troite et \u00e0 long terme est ainsi \u00e9tablie entre la soci\u00e9t\u00e9 promotrice et les investisseurs. La soci\u00e9t\u00e9 n'a aucune obligation de r\u00e9mun\u00e9ration envers les nouveaux actionnaires, qui ont vers\u00e9 du capital-risque, de sorte qu'ils pourront obtenir un retour sur leur investissement par la distribution de dividendes ou par la revente de leurs actions au fur et \u00e0 mesure de la croissance de la soci\u00e9t\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Caract\u00e9ristiques du financement participatif (lending crowdfunding) : une vue d'ensemble<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"translation-block\">&lt;Le crowdfunding est la collecte de capitaux d&#039;emprunt en ligne en divisant le pr\u00eat entre les investisseurs participant \u00e0 la campagne. Voici les caract\u00e9ristiques les plus pertinentes :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>l'entreprise demande un pr\u00eat en fixant un montant minimum et maximum&nbsp;<\/li>\n\n\n\n<li>l'entreprise d\u00e9termine le taux d'int\u00e9r\u00eat \u00e0 offrir en \u00e9change du pr\u00eat<\/li>\n\n\n\n<li>chaque investisseur peut participer au pr\u00eat en versant une partie du capital requis de son choix<\/li>\n\n\n\n<li>apr\u00e8s la cl\u00f4ture de la campagne, l'entreprise rembourse le capital pr\u00eat\u00e9 \u00e0 chaque investisseur et verse les int\u00e9r\u00eats correspondants au moment et de la mani\u00e8re convenus \u00e0 l'avance.<\/li>\n<\/ul>\n\n\n\n<p class=\"translation-block\">La relation qui s'\u00e9tablit entre la soci\u00e9t\u00e9 promotrice et les investisseurs est donc \u00e0 court terme et d\u00e9limit\u00e9e par un horizon temporel pr\u00e9d\u00e9fini. L'entreprise a par ailleurs des <strong>obligations pr\u00e9cises envers les investisseurs<\/strong> : le remboursement du capital et le paiement d'int\u00e9r\u00eats.<\/p>\n\n\n\n<div data-aos= \"slide-right\" data-aos-duration=\"400\" data-aos-delay=\"0\" data-aos-easing=\"ease\" data-aos-once=\"true\" class=\"wp-block-uagb-container uagb-block-1e0fbaf5 alignfull uagb-is-root-container\">\n<div style=\"margin-top:0;margin-bottom:0;height:8px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-bcf26494\"><h2 class=\"uagb-heading-text\"><strong>Vous souhaitez discuter directement avec nos experts en crowdfunding du sujet que vous lisez ?<\/strong><\/h2><\/div>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-1263b640\"><p class=\"uagb-heading-text\">Turbo Crowd peut vous r\u00e9v\u00e9ler toutes les ficelles du m\u00e9tier de crowdfunding, vous montrer les possibilit\u00e9s de collecte de capitaux qui s'offrent \u00e0 vous et vous fournir un soutien pratique pour mettre en place une campagne de crowdfunding r\u00e9ussie.<\/p><\/div>\n\n\n\n<div class=\"wp-block-uagb-buttons uagb-buttons__outer-wrap uagb-btn__medium-btn uagb-btn-tablet__default-btn uagb-btn-mobile__default-btn uagb-block-66b0de0d\"><div class=\"uagb-buttons__wrap uagb-buttons-layout-wrap\">\n<div class=\"wp-block-uagb-buttons-child uagb-buttons__outer-wrap uagb-block-adaecfd1 wp-block-button\"><div class=\"uagb-button__wrapper\"><a class=\"uagb-buttons-repeater wp-block-button__link\" aria-label=\"\" href=\"https:\/\/www.turbocrowd.it\/fr\/reserver-une-consultation-gratuite-sur-le-blog\/\" rel=\"follow noopener\" target=\"_self\" role=\"button\"><div class=\"uagb-button__link\">R\u00e9servez un appel vid\u00e9o GRATUIT !<\/div><\/a><\/div><\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Quand et pourquoi choisir l'equity crowdfunding ?<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"translation-block\">L'equity crowdfunding est un outil particuli\u00e8rement utile pour les jeunes entreprises telles que les <strong>start-ups<\/strong>, pour les raisons suivantes :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ne n\u00e9cessite pas de prouver sa solvabilit\u00e9 \u00e0 l'aide d'indicateurs et de performances historiques (ce qu'une start-up n'a pas encore)<\/li>\n\n\n\n<li>permet de renforcer les \u00e9paules de l'entreprise en augmentant le capital social<\/li>\n\n\n\n<li>permet \u00e0 l'entreprise de s'adjoindre des contacts professionnels utiles, des collaborateurs, de nouveaux clients et fournisseurs<\/li>\n\n\n\n<li>n'implique pas d'obligations on\u00e9reuses \u00e0 l'\u00e9gard des investisseurs<\/li>\n\n\n\n<li>se fonde sur le potentiel \u00e0 moyen et long terme d'une entreprise, et non sur les gains \u00e0 court terme des investisseurs.<\/li>\n<\/ul>\n\n\n\n<p class=\"translation-block\">Pour toutes ces raisons, l'equity crowdfunding peut \u00eatre un choix tr\u00e8s pratique pour une start-up<\/strong> qui pr\u00e9sente un excellent potentiel de croissance mais qui a du mal \u00e0 trouver des sources de financement et qui peut utiliser cet outil pour combiner croissance quantitative et qualitative.<\/p>\n\n\n\n<p>Les start-ups sont \u00e9galement particuli\u00e8rement attrayantes pour les investisseurs en equity crowdfunding car leurs actions sont tr\u00e8s abordables : \u00e9tant donn\u00e9 que l'entreprise est tr\u00e8s jeune ou nouvellement \u00e9tablie, le co\u00fbt d'achat des actions est faible et les perspectives de croissance sont \u00e9lev\u00e9es.<\/p>\n\n\n\n<p class=\"translation-block\"><strong>Une PME ou une entreprise encore plus mature peut \u00e9galement recourir \u00e0 l'equity crowdfunding<\/strong>, par exemple pour lancer une nouvelle branche d'activit\u00e9 ou pour ouvrir un bureau dans un autre pays : pour franchir toute grande \u00e9tape qui am\u00e8ne l'entreprise \u00e0 se d\u00e9velopper, \u00e0 exp\u00e9rimenter de nouvelles activit\u00e9s, \u00e0 changer d'identit\u00e9. Dans tous ces cas, il peut \u00eatre utile d'accueillir de nouveaux partenaires, de faire appel \u00e0 de nouvelles comp\u00e9tences et \u00e0 un nouveau professionnalisme pour s'inscrire dans la d\u00e9marche entreprise, de s'adresser \u00e0 de nouveaux groupes ou cat\u00e9gories de clients.<\/p>\n\n\n\n<p class=\"translation-block\">Enfin, l'equity crowdfunding est utile pour les entreprises matures qui souhaitent s'introduire en bourse, gr\u00e2ce au m\u00e9canisme <a href=\"https:\/\/www.turbocrowd.it\/fr\/crowdfunding-listing\/\" target=\"_blank\" rel=\"noreferrer noopener\">Crowdfunding Listing<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Quand et pourquoi choisir le financement participatif (crowdfunding) ?<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"translation-block\">Le Lending crowdfunding est un outil particuli\u00e8rement sympathique pour soutenir et poursuivre des <strong>projets sp\u00e9cifiques<\/strong> de mani\u00e8re cibl\u00e9e. Ce n'est pas pour rien qu'il est devenu l'outil favori du <a href=\"https:\/\/www.turbocrowd.it\/fr\/crowdfunding-immobilier-ce-que-cest\/\" target=\"_blank\" rel=\"noreferrer noopener\">real estate crowdfunding<\/a> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"translation-block\">permet d'obtenir des <strong>liquidit\u00e9s<\/strong> rapidement (plus rapidement que les banques, mais aussi que l'equity crowdfunding)<\/li>\n\n\n\n<li>a des co\u00fbts et une bureaucratie faibles<\/li>\n\n\n\n<li>la gestion de l'entreprise reste enti\u00e8rement entre les mains des propri\u00e9taires, sans dilution des actions<\/li>\n\n\n\n<li>n'exige aucun engagement de la part des investisseurs et offre des gains \u00e0 court terme.<\/li>\n<\/ul>\n\n\n\n<p class=\"translation-block\">Toutes ces caract\u00e9ristiques sont <strong>parfaites pour les soci\u00e9t\u00e9s immobili\u00e8res<\/strong>, car elles leur permettent de soutenir les diff\u00e9rentes phases d'un projet et d'\u00e9viter les impasses en fournissant des liquidit\u00e9s imm\u00e9diates dans l'attente d'autres financements provenant de diff\u00e9rentes sources. Les projets immobiliers n\u00e9cessitent en effet des ressources importantes, qui proviennent souvent de sources multiples, mais dont le d\u00e9caissement n\u00e9cessite beaucoup de temps et de bureaucratie. De plus, l'immobilier est un investissement attractif pour beaucoup, mais pour la plupart des gens, c'est une charge \u00e9conomique et administrative excessive : le lending crowdfunding est tr\u00e8s attractif parce qu'il offre la possibilit\u00e9 d'investir dans l'immobilier \u00e0 partir d'un petit capital et sans avoir \u00e0 prendre en charge la gestion d'un bien.<\/p>\n\n\n\n<p class=\"translation-block\">Cela vaut non seulement pour les entreprises du secteur immobilier, mais aussi pour toutes les entreprises qui souhaitent r\u00e9aliser un projet limit\u00e9, agrandir l'\u00e9quipe, lever des fonds en attendant d'avoir acc\u00e8s \u00e0 d'autres financements : dans tous ces cas, la priorit\u00e9 est la liquidit\u00e9 \u00e0 court terme, sans engager de relations \u00e0 long terme ni faire appel \u00e0 des personnes ext\u00e9rieures \u00e0 l'entreprise.<\/p>\n\n\n\n<p class=\"translation-block\">En tant que pr\u00eat, le crowdfunding n\u00e9cessite toutefois que les entreprises int\u00e9ress\u00e9es soient en mesure de prouver leur <strong>cr\u00e9ditabilit\u00e9<\/strong> et la viabilit\u00e9 de leur endettement. Pour passer la s\u00e9lection des plateformes et faire du lending crowdfunding, il faut donc \u00eatre \u00e0 un stade de d\u00e9veloppement o\u00f9 l'on est capable de g\u00e9n\u00e9rer un flux de tr\u00e9sorerie avec lequel on peut facilement faire face au calendrier de remboursement du pr\u00eat.<\/p>\n\n\n\n<p class=\"translation-block\">Pour cette raison, ce type de crowdfunding est g\u00e9n\u00e9ralement plus <strong>adapt\u00e9 aux entreprises ayant plusieurs ann\u00e9es de vie derri\u00e8re elles<\/strong> et un mod\u00e8le d'entreprise structur\u00e9 et fonctionnel.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Equity crowdfunding vs Lending crowdfunding : pourquoi choisir ?<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"translation-block\">En conclusion, nous voudrions souligner que diff\u00e9rents types de crowdfunding peuvent r\u00e9pondre aux besoins d'une m\u00eame entreprise \u00e0 diff\u00e9rents stades de d\u00e9veloppement:<strong>choisir entre equity crowdfunding et lending crowdfunding<\/strong> n'est que la premi\u00e8re \u00e9tape ; la deuxi\u00e8me \u00e9tape, plus longue et plus efficace, consiste \u00e0 \u00e9tudier une <strong>strat\u00e9gie de financement \u00e0 long terme<\/strong> capable d'int\u00e9grer et de coordonner ce que nous avons d\u00e9fini dans l'ouverture comme les <a href=\"https:\/\/www.turbocrowd.it\/fr\/strategies-capital-raising\/\" target=\"_blank\" rel=\"noreferrer noopener\">8 piliers de la lev\u00e9e de fonds<\/a>. Enfin, il ne faut pas oublier que le choix d'instruments de financement alternatifs n'exclut pas le recours \u00e0 des sources de financement plus traditionnelles telles que les banques, le capital-risque, les fonds d'investissement, etc.<\/p>\n\n\n\n<div data-aos= \"slide-right\" data-aos-duration=\"400\" data-aos-delay=\"0\" data-aos-easing=\"ease\" data-aos-once=\"true\" class=\"wp-block-uagb-container uagb-block-1e0fbaf5 alignfull uagb-is-root-container\">\n<div style=\"margin-top:0;margin-bottom:0;height:8px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-bcf26494\"><h2 class=\"uagb-heading-text\"><strong><strong><strong><strong>Vous avez besoin d'aide pour pr\u00e9parer une campagne de crowdfunding r\u00e9ussie et rechercher des investisseurs potentiels pour votre projet ?<\/strong><\/strong><\/strong><\/strong><\/h2><\/div>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-1263b640\"><p class=\"uagb-heading-text\">Turbo Crowd peut vous accompagner tout au long du processus, de l'organisation de la pr\u00e9-foule \u00e0 la cl\u00f4ture de la collecte, en d\u00e9veloppant des strat\u00e9gies de marketing efficaces et innovantes pour promouvoir votre campagne de la meilleure fa\u00e7on possible.<\/p><\/div>\n\n\n\n<div class=\"wp-block-uagb-buttons uagb-buttons__outer-wrap uagb-btn__medium-btn uagb-btn-tablet__default-btn uagb-btn-mobile__default-btn uagb-block-66b0de0d\"><div class=\"uagb-buttons__wrap uagb-buttons-layout-wrap\">\n<div class=\"wp-block-uagb-buttons-child uagb-buttons__outer-wrap uagb-block-adaecfd1 wp-block-button\"><div class=\"uagb-button__wrapper\"><a class=\"uagb-buttons-repeater wp-block-button__link\" aria-label=\"\" href=\"https:\/\/www.turbocrowd.it\/fr\/reserver-une-consultation-gratuite-sur-le-blog\/\" rel=\"follow noopener\" target=\"_self\" role=\"button\"><div class=\"uagb-button__link\">R\u00e9servez un appel vid\u00e9o GRATUIT !<\/div><\/a><\/div><\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Une fois que vous savez combien et quels types de crowdfunding existent, il peut \u00eatre difficile de savoir lequel choisir pour lever des fonds et d\u00e9velopper votre entreprise.<\/p>","protected":false},"author":16,"featured_media":8864,"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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