WeShareBonds
WeShareBonds is a Paris-based, AMF-regulated crowdfunding and crowdlending platform that connects retail and institutional investors with French real estate developers and SMEs seeking non-dilutive debt financing, offering target returns of 2.3-10% and intermediating €162M+ across 202 projects since 2016.
- Company typePrivate
- Founded2015
- HeadquartersParis, France
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What WeShareBonds does
WeShareBonds, operated by WISEPROFITS SAS (RCS Paris 812 309 284) and headquartered at 14 avenue de l'Opéra in central Paris, is a French AMF-regulated crowdfunding and crowdlending platform founded in 2015. The company operates a two-sided marketplace that connects individual and institutional investors with French real estate developers and SMEs seeking non-dilutive debt financing in the form of bonds, with target returns ranging from 2.3% to 10% annually. The core platform technology combines a web-based KYC/AML onboarding infrastructure (via Lemonway payment services), DocuSign-powered electronic subscription, a registered robot advisor (WeBot©), and Club Deal/Club Preview programs that give professional and informed investors pre-collection access to projects. Since 2016, the platform has intermediated €162M+ across 202 projects and 142 financed companies, with 17,254+ registered members, €98.1M in capital repaid, and €10M in gross interest distributed to investors.
The business model is transaction-fee based on the issuer side: WeShareBonds charges real estate developers and SME borrowers a success-based commission of approximately 4-5% of funds raised plus fixed instruction and follow-up fees (€1,500 + €1,500 per dossier, plus 4% at closing and 1% post-collection), implying a total take rate of roughly 6-7%. Investors pay no platform fees and can participate from a €1,000 minimum. A distinctive structural feature is the co-investment model via Phillimore-managed credit funds, under which the WeShareBonds team and shareholders (notably La Banque Postale, which holds a 10% equity stake) invest a minimum of 31% of every deal alongside retail investors, creating economic alignment. Customer acquisition is digital-first (self-serve platform at app.wesharebonds.com) but augmented by a strategic distribution partnership with La Banque Postale, which channels its retail clients to the platform and offers a €30 new-investor incentive. The platform also markets to French expatriates and non-residents, operates a wholly-owned education sub-brand (WeStudy), and maintains a professional-investor sub-brand (WSB AM).
WeShareBonds firmographics
Firmographics- Name
- WeShareBonds
- Legal name
- WISEPROFITS
- Website
- https://wesharebonds.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- WeShareBonds is a Paris-based, AMF-regulated crowdfunding and crowdlending platform that connects retail and institutional investors with French real estate developers and SMEs seeking non-dilutive debt financing, offering target returns of 2.3-10% and intermediating €162M+ across 202 projects since 2016.
- Ownership category
- akta.pro rank
WeShareBonds industry classification
Industry- Product category
- Alternative Lending / Crowdfunding
- NAICS
- Investment Banking and Securities Intermediation (523150), Other Financial Vehicles (525990)
- SIC
- Security Brokers, Dealers & Flotation Companies (6211), Investment Advice (6282)
- akta.pro primary industry
- Project Finance Capital Raising Intermediation (FSAEALAJ)
- akta.pro secondary industry
- Debt Capital Raising Intermediation (Private Debt/Mezzanine/Bonds) (FSAEALAM)
Keywords
Where WeShareBonds is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices2 records
Markets served
WeShareBonds business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Issuer Platform / Success Fees: WeShareBonds charges issuers (real estate developers and SMEs) a success-based commission of approximately 4-5% of the total funds raised per operation, plus fixed fees for instruction and follow-up. Investors are not charged any fees for using the platform. The commission is deducted from gross interest paid to investors as a yield reduction, or invoiced separately to the issuer.
- Issuer Fixed Fees (Instruction & Follow-up): Fixed fees charged to issuers: €1,500 for dossier instruction and €1,500 for collection period monitoring, plus 4% of funds raised for obligations (closing stage) and 1% post-collection follow-up, totalling approximately 6-7% of the raised amount.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | Minimum investment of €1,000 per project for retail investors |
| Unit Pricing | Pay-as-you-go | Target returns ranging from 2.3% to 8% for PME lending and up to 10% for real estate |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
WeShareBonds product offering
Product offeringCore offering
WeShareBonds operates a regulated PSFP crowdfunding/crowdlending platform under AMF authorization that enables individual and professional investors to purchase bonds issued by real estate developers and SMEs, with a minimum investment of €1,000 per project. The company co-invests through its own fund (minimum 31% of capital raised) to align interests, charging issuers success fees (4-5%) plus fixed fees (2.9%) on each funded project.
Product overview
WeShareBonds operates as a unified crowdfunding/crowdlending platform for real estate and SME financing. The core WeShareBonds Platform connects investors with vetted project issuers through bond instruments, while WeStudy provides investor education and WeBot© offers algorithmic investment advisory. The platform serves both retail investors (starting at 1,000€) and professional investors, facilitating investment in real estate projects and French SMEs with target returns up to 10% annually.
Differentiator
Problem solved
Functional benefit
Brands
- WeStudy: WeShareBonds' online learning platform providing investment education to users.
- WeBot
- Club Deal
- Club Preview
- WSB AM
Products and services
- WeShareBonds Crowdfunding Platform AMF-regulated PSFP crowdfunding/crowdlending platform where individual and professional investors buy bonds issued by French real estate developers and SMEs; minimum investment €1,000, with company co-investment of at least 31% of capital raised.
- WeStudy Educational sub-product of WeShareBonds (hosted at /westudy) providing investor education on crowdfunding, bond investing, and platform-related topics for current and prospective users.
- WeBot© Robot-Advisor WeShareBonds' proprietary robot-advisor (registered trademark) that supports investors in portfolio construction across available crowdfunding deals on the platform.
Quantifiable outcome
- €162M total invested; €98.1M capital repaid; €10M gross interest paid to investors since 2016
- +3 more outcomes
Companies that use WeShareBonds
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles4 records
WeShareBonds technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature3 records
WeShareBonds partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- LemonwaycoreLemonway is the licensed payment service provider (établissement de paiement) handling KYC, anti-money laundering compliance, and the e-money accounts (Comptes WeShareBonds) for both investors and issuers. Lemonway is ACPR-registered under number 16568.
Scale indicators6 records
Recent moves6 records
Expansion highlights5 records
WeShareBonds competitors and assessment
Company assessmentRegional players
- PrêtUp: Belgian crowdlending platform serving SMEs with comparable retail-investor platform model. Adjacent geography peer relevant for EU expansion benchmarking.
- Look & Fin: Belgian crowdlending platform for European SMEs, comparable business model under EU PSFP framework but operating in adjacent geography (Belgium/EU). Useful cross-border peer for PSFP-paspoting strategy.
Direct peers
- October (formerly Lendix): Leading French SME crowdlending platform connecting investors with European business loans. Most direct comparable in terms of model (digital platform, retail + professional investors, SME debt focus) and regulatory regime (PSFP/AMF).
- Anaxago: French crowdfunding platform combining real estate and SME investment opportunities with similar ticket sizes and a professional investor offering. Closest direct competitor in real estate + SME debt mix and French regulatory perimeter.
- ClubFunding: French real estate and SME crowdlending platform with comparable yields and investor segmentation. Overlaps significantly with WeShareBonds on real estate developer lending and retail/professional investor tiers.
- Wiseed: French participatory investment platform spanning equity and debt in real estate and SMEs. Comparable on multi-asset retail platform model and French regulatory licensing.
- Lendosphere: French crowdlending platform focused on environmental and real estate projects. Comparable as regulated French platform serving both retail investors and project sponsors under EU crowdfunding framework.
- Raizers: French real estate crowdfunding platform connecting investors with property developers. Directly overlaps on the real estate developer lending segment of WeShareBonds' business.
Broad incumbents
- Younited Credit: Major French consumer and SME lending marketplace that has scaled to European footprint. Operates adjacent model at significantly larger scale, serving as benchmark for what scaled digital lending intermediation looks like.
Others
- La Banque Postale (Crowdfunding via WSB): Strategic shareholder and distribution partner; while not a direct peer, La Banque Postale's broader retail banking and alternative investment offerings provide context for the distribution dynamics and competitive context WeShareBonds operates within.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
WeShareBonds social profiles
Digital presenceWeShareBonds compliance and trust
Trust signalCompliance4 records
WeShareBonds financial estimates
Financial estimateRevenue estimate
Valuation estimate
WeShareBonds leadership team
Management profileNumber of profiles
Profiles7 records
WeShareBonds subsidiaries and ownership
Company hierarchySubsidiaries1 record
WeShareBonds funding detail
Funding detailFunding overview
Funding rounds2 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
WeShareBonds M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about WeShareBonds
What does WeShareBonds do?
WeShareBonds operates a regulated PSFP crowdfunding/crowdlending platform under AMF authorization that enables individual and professional investors to purchase bonds issued by real estate developers and SMEs, with a minimum investment of €1,000 per project. The company co-invests through its own fund (minimum 31% of capital raised) to align interests, charging issuers success fees (4-5%) plus fixed fees (2.9%) on each funded project.
Is WeShareBonds a public or private company?
WeShareBonds is a private company. It is classified as venture growth investor backed and is currently operating.
When was WeShareBonds founded?
WeShareBonds was founded in 2015. It employs 1 to 10 people.
Where is WeShareBonds based?
WeShareBonds is headquartered in Paris, France, in the Europe region.
How does WeShareBonds make money?
Two revenue lines are on record. Issuer Platform / Success Fees are the primary driver. The others are issuer Fixed Fees (Instruction & Follow-up).
Who are WeShareBonds's main competitors?
Regional players on record are PrêtUp and Look & Fin. Direct peers are October (formerly Lendix), Anaxago, ClubFunding, Wiseed, Lendosphere and Raizers. Younited Credit is listed as a broad incumbent. La Banque Postale (Crowdfunding via WSB) is listed as an others.
Does WeShareBonds have an API?
No public API is recorded for WeShareBonds.
What industry is WeShareBonds in?
WeShareBonds's product category is Alternative Lending / Crowdfunding. Its primary akta.pro industry code is FSAEALAJ, Project Finance Capital Raising Intermediation, with a secondary code of FSAEALAM, Debt Capital Raising Intermediation (Private Debt/Mezzanine/Bonds). Its NAICS code is 523150 and its SIC code is 6211.