Posted on: 15 June 2016 By: TeamEuropages


Among the crowdfunding platforms currently in operation, those dedicated to crowdlending (also referred to as peer-to-peer lending) are booming right now, especially for businesses. Here we take stock of the various European and French platforms that you can use to finance your development.

A booming market in Europe

Crowdfunding quite simply involves raising monetary contributions from a large number of people to fund a project or venture. In 2014, Europe’s 150 crowdfunding platforms raised almost €3 billion, representing an average annual increase of 146% between 2012 and 2014.

The fastest-growing form of crowdfunding is that dedicated to funding businesses. This market grew by a staggering 272% between 2012 and 2014. Some 350,000 European businesses benefited from this form of financing in 2014, versus 75,000 in 2012. The European crowdfunding market is driven by the United Kingdom: almost 80% of funds raised come from British platforms.

European platforms

Intended for businesses, the British Funding Circle platform is open to all nationalities. This platform has already lent £676 million: 8,000 businesses have already received funds ranging from £5,000 to £1 million from more than 40,000 lenders. The German AuxMoney platform offers loans of between €1,000 and €25,000. More than one million members have already lent the equivalent of €256 million. In Poland, the Finansowo platform offers micro-loans on the national market at rates starting from 2%. Austria’s first crowdlending platform, Lendico, saw the light of day in 2014.

French platforms

France’s crowdfunding platforms continue to maintain strong momentum, increasing from €152 million in funds raised in 2014 to almost €300 million in 2015, according to the baromètre du crowdfunding (French crowdfunding barometer) created by the Financement Participatif France association. Here too, the strongest growth concerns crowdlending platforms, where the amounts raised progressed from €88 million in 2014 to €196 million in 2015, via 27 platforms operating under the FPF banner, €32 million of which in loans for businesses. This rapid development hinges on the specific regulations established at the end of 2014 for access to loans funded by private individuals. The main French crowdlending platforms for businesses are as follows:

– Unilend, see the statistics

– Lendix, which has just acquired Finsquare

– Lendopolis


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