{"id":24237,"date":"2017-06-29T09:00:07","date_gmt":"2017-06-29T07:00:07","guid":{"rendered":"http:\/\/visionarymarketing.fr\/blog\/?p=24237"},"modified":"2020-03-11T12:31:11","modified_gmt":"2020-03-11T11:31:11","slug":"crowd-lending","status":"publish","type":"post","link":"https:\/\/visionarymarketing.com\/fr\/2017\/06\/29\/crowd-lending\/","title":{"rendered":"Crowd Lending : financer ses projets plus simplement"},"content":{"rendered":"<p>Le financement participatif ou Crowd Funding est en plein essor avec<strong> <a href=\"https:\/\/home.kpmg.com\/fr\/fr\/home\/media\/press-releases\/2017\/02\/barometre-annuel-crowdfunding-en-france.html\" target=\"_blank\" rel=\"noopener noreferrer\">une progression de 100% entre 2015 et 2016<\/a><\/strong>. Ainsi, de plus en plus de porteurs de projet soumettent leur id\u00e9e \u00e0 un public, par l&rsquo;interm\u00e9diaire d&rsquo;une plateforme afin de collecter suffisamment de fonds pour parvenir au financement de leur projet.\u00a0Cette croissance exponentielle s&rsquo;explique par \u00ab\u00a0l&rsquo;av\u00e8nement et la d\u00e9mocratisation d&rsquo;Internet\u00a0\u00bb. Dans le mouvement du Crowd Funding, on retrouve le ph\u00e9nom\u00e8ne du Crowd Lending, une nouvelle forme de financement participatif. D&rsquo;une certaine mani\u00e8re, le <strong>Crowd Lending consiste \u00e0 remplacer la banque de l&#8217;emprunteur<\/strong>. Les investisseurs sont des particuliers qui participent financi\u00e8rement \u00e0 un projet. Et en retour, ils re\u00e7oivent une r\u00e9mun\u00e9ration sous la forme d&rsquo;int\u00e9r\u00eats. Comment se d\u00e9compose le Crowd Lending ? Est-ce qu&rsquo;il s&rsquo;adresse \u00e0 tout le monde ? Comment peut-on investir ? Est-il risqu\u00e9 d&rsquo;utiliser ce financement participatif ? <span class=\"removed_link\" title=\"https:\/\/www.linkedin.com\/in\/regis-bryman-81a59a7\/\">R\u00e9gis Bryman<\/span> auteur du livre \u00ab\u00a0<a href=\"https:\/\/www.amazon.fr\/dp\/B072HFJM18\/ref=cm_sw_r_cp_ep_dp_X43dzbYYV9PP5\" target=\"_blank\" rel=\"noopener noreferrer\">Boostez votre \u00e9pargne avec le <\/a><strong>Crowd Lending<\/strong><a href=\"https:\/\/www.amazon.fr\/dp\/B072HFJM18\/ref=cm_sw_r_cp_ep_dp_X43dzbYYV9PP5\" target=\"_blank\" rel=\"noopener noreferrer\"> : le placement nouvelle g\u00e9n\u00e9ration<\/a>\u00a0\u00bb r\u00e9pond \u00e0 ces interrogations dans cet article.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-24501 size-medium\" title=\"Crowd Lending\" src=\"https:\/\/visionarymarketing.com\/wp-content\/uploads\/2017\/06\/crowd-lending_23207956_be84718c26630ff060b08ead6ec1900abdbe9cb2-500x219.png\" alt=\"Crowd Lending\" width=\"500\" height=\"219\" srcset=\"https:\/\/visionarymarketing.com\/wp-content\/uploads\/2017\/06\/crowd-lending_23207956_be84718c26630ff060b08ead6ec1900abdbe9cb2-500x219.png 500w, https:\/\/visionarymarketing.com\/wp-content\/uploads\/2017\/06\/crowd-lending_23207956_be84718c26630ff060b08ead6ec1900abdbe9cb2-768x336.png 768w, https:\/\/visionarymarketing.com\/wp-content\/uploads\/2017\/06\/crowd-lending_23207956_be84718c26630ff060b08ead6ec1900abdbe9cb2.png 800w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/p>\n<h2 class=\"p1\">Les diff\u00e9rentes formes de Crowd Lending<\/h2>\n<p class=\"p1\"><a href=\"https:\/\/www.amazon.fr\/dp\/B072HFJM18\/ref=cm_sw_r_cp_ep_dp_X43dzbYYV9PP5\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-24542 \" src=\"https:\/\/visionarymarketing.com\/wp-content\/uploads\/2017\/06\/51nczLSF1pL-188x300.jpg\" alt=\"Crowd lending\" width=\"159\" height=\"254\" srcset=\"https:\/\/visionarymarketing.com\/wp-content\/uploads\/2017\/06\/51nczLSF1pL-188x300.jpg 188w, https:\/\/visionarymarketing.com\/wp-content\/uploads\/2017\/06\/51nczLSF1pL.jpg 314w\" sizes=\"auto, (max-width: 159px) 100vw, 159px\" \/><\/a>Le Crowd Lending se d\u00e9compose en trois grandes familles :<\/p>\n<ul>\n<li><strong>Le pr\u00eat \u00e0 destination des particuliers : <\/strong>ils\u00a0ont la possibilit\u00e9 de trouver des financements pour \u00ab\u00a0financer\u00a0l&rsquo;achat de v\u00e9hicule, la r\u00e9alisation de travaux ou tout autres choses selon leur besoin\u00a0\u00bb. Ce type de financement participatif est disponible sur la plateforme\u00a0<a href=\"https:\/\/www.younited-credit.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Younited Cr\u00e9dit<\/a>. Mais \u00ab\u00a0les conditions d&rsquo;acc\u00e8s sont assez complexes\u00a0\u00bb pour investir sur cette plateforme, \u00ab\u00a0il faut \u00eatre investisseur dit qualifi\u00e9 au sens de l&rsquo;AMF, c&rsquo;est \u00e0 dire remplir des conditions auxquelles finalement peu de personnes peuvent pr\u00e9tendre.\u00a0\u00bb Il n&rsquo;est donc pas simple de booster son \u00e9pargne par l&rsquo;interm\u00e9diaire de Younited Cr\u00e9dit. Et pour financer ses \u00e9tudes, il existe \u00e9galement la plateforme Edukys d\u00e9di\u00e9e aux pr\u00eats \u00e9tudiants.<\/li>\n<li><strong>Le pr\u00eat \u00e0 destination des entreprises :<\/strong>\u00a0ce pr\u00eat s&rsquo;adresse \u00e0 des entreprises qui existent depuis plusieurs ann\u00e9es souhaitant financer leurs projets de d\u00e9veloppement \u00a0\u00ab\u00a0d&rsquo;<span class=\"s2\">embauche, d&rsquo;agrandissement, de stock de marchandise, d&rsquo;achat de mat\u00e9riels\u00a0\u00bb ou encore \u00ab\u00a0de recherche et de d\u00e9veloppement\u00a0\u00bb. Ce financement participatif est plus r\u00e9pandu en que le pr\u00eat \u00e0 destination des particuliers, car il existe une douzaine de plateforme en France. Il existe deux mod\u00e8les de pr\u00eats : le mod\u00e8le du pr\u00eat amortissable et le mod\u00e8le obligataire. L&rsquo;investisseur ayant souscrit \u00e0 un<\/span><span class=\"s2\">\u00a0mod\u00e8le du pr\u00eat amortissable re\u00e7oit \u00ab\u00a0chaque mois un remboursement d&rsquo;une part de son capital ainsi que les<\/span><span class=\"s2\">\u00a0int\u00e9r\u00eats associ\u00e9s\u00a0\u00bb. Alors qu&rsquo;avec le mod\u00e8le<\/span><span class=\"s2\">\u00a0obligataire, l&rsquo;investisseur poss\u00e8de des titres de cr\u00e9ance de l&rsquo;entreprise et il re\u00e7oit \u00ab\u00a0un coupon\u00a0<\/span><span class=\"s2\">dont l&rsquo;\u00e9ch\u00e9ancier peut \u00eatre trimestriel, semestriel, annuel\u00a0\u00bb. L&rsquo;investisseur re\u00e7oit son capital \u00ab\u00a0tardivement, parfois m\u00eame in fine\u00a0\u00bb.<\/span><\/li>\n<li><strong>Le pr\u00eat \u00e0 destination des promoteurs immobiliers :<\/strong><span class=\"s2\">\u00a0ce type de pr\u00eat fonctionne sur le mod\u00e8le obligataire, \u00ab\u00a0il s&rsquo;agit de fournir la tr\u00e9sorerie n\u00e9cessaire aux promoteurs pour qu&rsquo;ils puissent initier un nombre simultan\u00e9 de projets de construction plus importants que s&rsquo;ils avaient uniquement comme ressources leurs fonds propres\u00a0\u00bb. Tout comme le pr\u00eat \u00e0 destination des entreprises, une douzaine de plateforme sont pr\u00e9sentes sur le march\u00e9 fran\u00e7ais.\u00a0<\/span><!--more--><\/li>\n<\/ul>\n<h2>A qui s&rsquo;adresse le Crowd Lending ?<\/h2>\n<p>Le Crowd Lending s&rsquo;adresse th\u00e9oriquement \u00e0 tout le monde, car \u00ab\u00a0les<span class=\"s2\">\u00a0investissements sont possibles d\u00e8s 20\u20ac\u00a0\u00bb. Mais dans la pratique, \u00ab\u00a0<\/span><span class=\"s2\">\u00a0il ne concerne que les investisseurs les plus actifs et les plus dynamiques\u00a0\u00bb. <strong>Augmenter son \u00e9pargne par le Crowd Lending demande \u00e0 la fois des connaissances et du temps<\/strong>. Il faut \u00eatre comp\u00e9tent et \u00e0 l&rsquo;aise avec le monde de la finance \u00ab\u00a0ne serait ce que pour comprendre ce qu&rsquo;est un bilan ou un compte de r\u00e9sultat\u00a0\u00bb. Et avoir l&rsquo;envie et le temps, il faut \u00ab\u00a0s&rsquo;int\u00e9resser un minimum \u00e0 ses investissements\u00a0\u00bb pour comprendre o\u00f9 l&rsquo;on investi et il faut mettre en place<\/span><span class=\"s2\">\u00a0l&rsquo;investissement en choisissant la plateforme adapt\u00e9e, en ouvrant des comptes ou encore en mettant en place des outils de suivi.<\/span><span class=\"s2\">\u00a0Pour conclure,\u00a0\u00bble Crowd Lending est abordable mais il faut r\u00e9ellement s&rsquo;y int\u00e9resser pour y investir son argent et son \u00e9nergie\u00a0\u00bb.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-24493 size-medium\" title=\"Crowd Lending\" src=\"https:\/\/visionarymarketing.com\/wp-content\/uploads\/2017\/06\/crowd-funding_23207303_e4ce8a49730ae8adf67c698d91b63cbe3d1936ca-500x219.png\" alt=\"Crowd Lending\" width=\"500\" height=\"219\" srcset=\"https:\/\/visionarymarketing.com\/wp-content\/uploads\/2017\/06\/crowd-funding_23207303_e4ce8a49730ae8adf67c698d91b63cbe3d1936ca-500x219.png 500w, https:\/\/visionarymarketing.com\/wp-content\/uploads\/2017\/06\/crowd-funding_23207303_e4ce8a49730ae8adf67c698d91b63cbe3d1936ca-768x336.png 768w, https:\/\/visionarymarketing.com\/wp-content\/uploads\/2017\/06\/crowd-funding_23207303_e4ce8a49730ae8adf67c698d91b63cbe3d1936ca.png 800w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/p>\n<h2>Les points de vigilances<\/h2>\n<p>Il existe de nombreux points de vigilances.<span class=\"s2\">\u00a0\u00ab\u00a0Il faut bien avoir en t\u00eate que si la r\u00e9mun\u00e9ration g\u00e9n\u00e9ralement all\u00e9chante et l&rsquo;\u00e9ch\u00e9ancier sont d\u00e9finis d\u00e8s le d\u00e9part, il existe toujours un risque de d\u00e9faut.\u00a0\u00bb En effet, le d\u00e9biteur peut \u00eatre dans l&rsquo;impossibilit\u00e9 de r\u00e9pondre \u00e0 ses engagements. \u00ab\u00a0<\/span><span class=\"s2\">Il est donc n\u00e9cessaire de faire preuve d&rsquo;une grande rigueur quant \u00e0 la gestion du risque.\u00a0\u00bb\u00a0<\/span><\/p>\n<p>La gestion du risque passe par plusieurs aspects :<\/p>\n<ul>\n<li><strong>\u00ab\u00a0Investir sur plusieurs projets de fa\u00e7on r\u00e9guli\u00e8re<\/strong> pour r\u00e9partir au maximum les risques\u00a0\u00bb.<\/li>\n<li><strong>Choisir la et\/ou les plateformes les plus ad\u00e9quates<\/strong>. Il est pr\u00e9f\u00e9rable de travailler avec \u00ab\u00a0<span class=\"s2\">diff\u00e9rents acteurs du march\u00e9 pour se pr\u00e9munir du risque plateforme\u00a0\u00bb.<\/span><\/li>\n<li><strong>Choisir le bon projet<\/strong> : il faut comprendre o\u00f9 l&rsquo;on investi et se demander si le projet est r\u00e9alisable.<\/li>\n<li><strong>Se renseigner sur la sant\u00e9 financi\u00e8re des emprunteurs et sur l&rsquo;\u00e9volution du march\u00e9<\/strong>.<\/li>\n<\/ul>\n<p class=\"p1\"><span class=\"s2\">\u00a0<\/span><\/p>\n<h2>Les plateformes de Crowd Lending<\/h2>\n<p>Sur le march\u00e9 fran\u00e7ais, il existe \u00ab\u00a0une douzaine de plateformes pour le Crowd Lending<span class=\"s2\">\u00a0entreprise et une dizaine pour le Crowd Lending immobilier\u00a0\u00bb et chacune a ses propres sp\u00e9cificit\u00e9s.\u00a0<\/span><\/p>\n<ul>\n<li><strong>Dur\u00e9e :<\/strong>\u00a0\u00ab\u00a0certaines plateformes sont sp\u00e9cialis\u00e9es sur des pr\u00eats de courte dur\u00e9e (24 mois) et d&rsquo;autres de dur\u00e9e plus longues (48 ou 60 mois)\u00a0\u00bb.<\/li>\n<li><strong>Montant du pr\u00eat :<\/strong>\u00a0\u00ab\u00a0certaines travaillent sur des pr\u00eats importants au del\u00e0 de 100K\u20ac pour les soci\u00e9t\u00e9s et d&rsquo;autres sur des petits pr\u00eats &lt;50K\u20ac\u00a0\u00bb.<\/li>\n<li><strong>Mod\u00e8le de pr\u00eat :<\/strong> \u00ab\u00a0certaines fonctionnent avec un syst\u00e8me de pr\u00eat amortissable mensuellement alors que d&rsquo;autres travaillent avec un syst\u00e8me obligataire\u00a0\u00bb.<\/li>\n<\/ul>\n<p>Il n&rsquo;y a pas de bonnes ou de mauvaises plateformes, elles ont chacune leurs particularit\u00e9s. Il est possible d&rsquo;\u00e9pargner sur des plateformes proposant des projets risqu\u00e9s, mais r\u00e9mun\u00e9rateurs ou alors sur des projets plus s\u00e9curis\u00e9, mais moins r\u00e9mun\u00e9rateurs.<\/p>\n<p><center><\/p>\n<p><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/JMO5uhjw5OM\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p><\/center>Et pour conclure R\u00e9gis nous dit \u00ab\u00a0<span class=\"s2\">qu&rsquo;il est important de se rappeler qu&rsquo;avec le Crowd Lending, vous donnez du sens \u00e0 votre \u00e9pargne. Vous savez exactement ce sur quoi vous investissez, votre argent n&rsquo;est pas anonymis\u00e9 comme c&rsquo;est le cas quand vous investissez par le biais des produits propos\u00e9s par votre banque. C&rsquo;est une vraie source de satisfaction personnelle de contribuer \u00e0 l&rsquo;\u00e9conomie r\u00e9elle.\u00a0\u00bb<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le financement participatif ou Crowd Funding est en plein essor avec une progression de 100% entre 2015 et 2016. Ainsi, de plus en plus de porteurs de projet soumettent leur id\u00e9e \u00e0 un public, par l&rsquo;interm\u00e9diaire d&rsquo;une plateforme afin de collecter suffisamment de fonds pour parvenir au financement de leur projet.\u00a0Cette croissance exponentielle s&rsquo;explique par &hellip;<\/p>\n","protected":false},"author":45,"featured_media":34069,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1613],"tags":[],"class_list":["post-24237","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-marketing-digital-marketing"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Crowd Lending : financer ses projets plus simplement<\/title>\n<meta name=\"description\" content=\"Dans le mouvement du Crowd Funding, on retrouve le ph\u00e9nom\u00e8ne du Crowd Lending, une nouvelle 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