What Tudigo does

Tudigo (legally SAS BULB IN TOWN) is a French regulated crowdfunding investment platform headquartered in Bordeaux, founded in 2012. The company operates a direct-to-consumer marketplace that enables individual retail investors to access non-listed French SMEs through equity (actions) and bond (obligations) instruments, with a minimum ticket of €500. To preserve shareholder caps at portfolio companies, Tudigo interposes a Special Purpose Vehicle (SPV) between investors and each underlying issuer, and supports multiple tax-advantaged envelopes including IR-PME, JEIC/JEIR, PEA/PEA-PME, and apport-cession. Investors receive a Lemonway-operated wallet with a unique IBAN, quarterly performance reporting with analyst confidence ratings, online shareholder meeting voting, and a portfolio dashboard. Since inception, the platform claims to have financed over 300 companies and channeled more than €240M in investment from a base of 250,000+ registered members. Tudigo has been authorized as a Prestataire de Services de Financement Participatif (PSFP) by the AMF since 24 November 2023 under license FP-2023-39 and European regulation 2020/1503.

The company's business model is fee-based on the supply side of its marketplace. Tudigo does not charge subscription or platform fees to individual investors; instead, it earns transaction and structuring fees from companies (porteurs de projet) that raise capital through the platform. Distribution is primarily self-serve via web and mobile, supplemented by dedicated investment officers and a referral channel with French wealth managers (CGP). Marketing is anchored on educational content covering tax optimization, diversification rationale, and risk awareness. No proprietary AI or ML technology is disclosed; core technology is a standard crowdfunding stack built on Lemonway for payment and e-money services under ACPR oversight.

Name

Tudigo

Legal name

SAS BULB IN TOWN

Website

https://tudigo.co

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

51–100 employees

Short description

Tudigo is a French AMF-regulated crowdfunding platform (PSFP, since 2023) enabling individual retail investors to invest in non-listed French SMEs via equity or bonds, starting from €500, using SPV structures and tax-advantaged envelopes.

Ownership category

akta.pro rank

Product category

Crowdfunding Investment Platform

NAICS

Miscellaneous Intermediation (523910), Miscellaneous Intermediation (52391)

SIC

Security Brokers, Dealers & Flotation Companies (6211), Loan Brokers (6163)

akta.pro primary industry

Project Finance Capital Raising Intermediation (FSAEALAJ)

Keywords

• Crowdfunding investment platform
• Private equity investing
• Retail investment access
• Tax-advantaged investing
• Non-listed company investment

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Platform fees from fundraisers: Tudigo charges fees to companies that raise funds on its platform. The fee structure includes costs for project sponsors (porteurs de projet) who use the platform to launch fundraising campaigns. Fees are not charged to individual investors for using the platform.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Tudigo operates a regulated online crowdfunding platform that enables individual French investors to invest directly in non-listed French SMEs through equity (actions) and bond (obligations) instruments, starting from a minimum ticket of €500. The platform curates and vets investment opportunities, structures collective investments via Special Purpose Vehicles (SPVs), and supports tax-advantaged vehicles (IR-PME, JEIC, JEIR, PEA/PEA-PME, apport-cession). Tudigo generates revenue by charging fees to the companies raising capital on the platform; individual investors do not pay subscription or platform fees.

Product overview

Tudigo is a crowdfunding platform for non-listed French companies, offering a single unified investment platform accessible starting from €500. The core platform enables investment in equities and bonds through multiple tax-advantaged vehicles (PEA, PEA-PME, IR-PME, JEIC, JEIR). Investors access a personalized dashboard with real-time portfolio tracking, quarterly reporting with analyst confidence ratings, online general assemblies for voting, and a Lemonway-operated wallet for receiving distributions. For each funding round, Tudigo creates a Special Purpose Vehicle (SPV) that interposes between retail investors and the target company. The platform recently launched a new reporting format offering improved transparency and qualitative analysis.

Differentiator

Problem solved

Functional benefit

Products and services

• Tudigo Crowdfunding Investment Platform Online regulated crowdfunding platform enabling French retail investors to discover, analyze, and invest in curated non-listed French SMEs through equity (actions) and bond (obligations) instruments, starting from a €500 minimum ticket. The platform supports tax-advantaged vehicles (IR-PME, JEIC, JEIR, PEA/PEA-PME) and structures investments through SPVs. Companies seeking capital pay platform fees; individual investors use the platform free of charge.

Quantifiable outcome

• +300 companies financed through platform
• +3 more outcomes

Segments1 record

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• LemonwaycoreTechnology or Integration · 24 November 2023Lemonway is the payment services provider and e-money institution that operates Tudigo's investor wallet system. Each investor receives a unique IBAN wallet managed by Lemonway, an ACPR-authorized payment institution. All fund transfers, interest payments, and withdrawals are processed through Lemonway's infrastructure.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Lendosphere: Lendosphere is a French crowdfunding platform focused on environmental and social-impact SME financing through debt instruments. It operates under AMF/ORIAS oversight and overlaps with Tudigo's regulated retail-investor crowdfunding model, with both platforms competing for impact-oriented French issuers and retail investors.
• Wiseed: Wiseed is a French crowdfunding platform historically focused on equity and bond investments in non-listed French SMEs and real estate. It competes directly with Tudigo for both issuer deal flow and retail investor capital in the regulated French crowdfunding market, with comparable tax-advantaged wrappers.
• Fundimmo: Fundimmo is a French real-estate crowdfunding platform operating under AMF oversight. It is comparable to Tudigo as a French regulated crowdfunding intermediary serving retail investors, although its deal flow is concentrated in real estate rather than operating SMEs.
• Koregraf: Koregraf is a French equity crowdfunding platform serving retail investors with curated non-listed SME opportunities, including tax-advantaged vehicles. It is AMF-registered and competes directly with Tudigo for issuer deal flow and French retail investor subscriptions in the regulated crowdfunding space.
• October (formerly Lendopolis): October is a major European online lending platform that connects investors with SME debt financing. While more debt-focused than Tudigo, it is AMF-registered, targets the same French retail investor segment, and offers comparable PSFP-regulated investment opportunities, making it a directly comparable regulated French alternative-finance peer.
• Anaxago: Anaxago is one of the leading French equity and real-estate crowdfunding platforms, serving retail investors with curated non-listed investment opportunities. It is the closest direct competitor to Tudigo in the French PSFP-licensed equity crowdfunding category, with similar minimum tickets, tax wrapper integration, and issuer fee model.
• Clubfunding: Clubfunding is a French crowdfunding platform primarily focused on real estate debt and equity for retail investors. While its core asset class is real estate, its regulated platform model, French retail investor focus, and use of tax wrappers place it in direct competition with Tudigo's broader non-listed SME offering.

Broad incumbents

• Crowdcube: Crowdcube is one of the largest European equity crowdfunding platforms, headquartered in the UK. It is broadly comparable to Tudigo as a regulated retail-investor crowdfunding venue for private company equity, although at meaningfully greater scale and with cross-border European deal flow.
• Seedrs: Seedrs is a UK-headquartered pan-European equity crowdfunding platform, now owned by Republic. It operates in the same broader regulated equity crowdfunding category as Tudigo but at significantly larger scale and with international deal flow, making it a comparable incumbent benchmarking Tudigo's potential scale and product strategy.

Others

• Lemonway: Lemonway is the ACPR-licensed payment institution that powers Tudigo's investor wallet infrastructure. It is an enabling infrastructure provider rather than a competitor, but it serves multiple French crowdfunding and fintech platforms and is therefore an important ecosystem participant for Tudigo's payment and fund-custody operations.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/tudigoFR

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds2 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments11 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tudigo