What Bienprêter does

Bienprêter, operated by ULENDS SAS and headquartered in France, is a regulated crowdfactoring (crowdlending against trade receivables) marketplace that intermediates short-term financing between French small and medium-sized enterprises and a base of individual investors. Founded in 2017 and launched the following year, the platform connects borrowers seeking to finance invoices or short-term working capital needs with retail lenders seeking yield on euro-denominated, French-SME-originated credit. As of the latest disclosed metrics, the platform carries 60,987 registered lenders and has intermediated approximately €377.7M across 4,793 projects with a stated 0% historical default rate, operating under AMF registration FP-2023-38 as a Prestataire de Services de Financement Participatif (PSFP).

The platform is structured around three core product surfaces: (i) primary crowdfactoring listings, where borrowers raise capital against invoices and operating needs via retail-funded tickets; (ii) BP Flex, a secondary market for outstanding crowdfactoring notes that gives lenders a liquidity option before maturity; and (iii) AutoPILOT, an automated investment product that allocates capital across projects filtered by the platform's proprietary 'Note BP' scoring system. Adjacent community features — the 'Fil d'actualité' news feed launched in June 2026 and the 'Consultation communautaire' voting mechanism introduced in May 2026 — extend the platform from pure transaction routing into lender engagement and governance. Payments and custody are handled through a partnership with Lemonway, the licensed European payments institution.

The business model is a classic two-sided marketplace take-rate: the platform earns origination and/or servicing fees on each financed project, with lenders receiving a gross yield (13.36% historical, 14.55% reported for 2026) that reflects borrower pricing plus the platform's spread. Borrower origination flows through named introductions and direct solicitation (with 85+ professional borrowers publicly identified, including Twelve Group, Samopar, Bacchus, and LARA INVEST). Capital structure is bootstrapped/operator-funded; no external funding round is disclosed in the available data. Headcount sits in the 101–250 range, consistent with a scaling but still mid-stage French fintech operating exclusively within the French market.

Name

Bienprêter

Legal name

ULENDS

Website

https://bienpreter.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

101–250 employees

Short description

Bienprêter is a French AMF-registered (FP-2023-38) crowdfactoring platform that intermediates short-term invoice and operating financing for French SMEs through its 60,987-lender retail-investor marketplace, having financed €377.7M across 4,793 projects with a stated 0% default rate.

Ownership category

akta.pro rank

Product category

Invoice Factoring

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SME Lending & Working Capital Platforms (FSAGAJAA)

akta.pro secondary industry

Working Capital & Venture-backed Factoring (FSANAIAK)

Keywords

• Crowdfactoring platform
• Invoice financing
• SME lending
• Participatory investment
• Alternative lending

Headquarters

HQ city

Jaures

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Transaction fees and management commissions: Bienprêter charges fees on each crowdfactoring operation facilitated through the platform. The platform earns commissions on loan amounts financed, deducted at the point of loan disbursement from the borrower's account. The CGU references 'frais (commissions et frais de gestion)' being deducted upon collection closure. Additional fee categories include late payment fees.
2. Interest spread / yield management: The platform acts as intermediary between lenders earning average gross annual yields of ~13.36% and borrowers paying higher rates, with the spread embedded in the crowdfactoring pricing. The platform publishes a gross rate to lenders while charging borrowers a combined financing cost.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels8 records

Core offering

Bienprêter runs a regulated crowdfactoring platform that enables individual investors to finance invoices, quotes, and purchase/resale operations of French SMEs in exchange for interest income averaging a 13.36% gross annual rate, paid monthly. Borrowers (French SMEs) receive working capital to bridge invoice payment gaps, while lenders select projects from €20 minimum, with proprietary tools (BP Flex secondary market and AutoPILOT automated lending) extending the core offering. The platform retains less than 5% of submitted projects after rigorous scoring and operates under AMF PSFP license FP-2023-38.

Product overview

Bienprêter operates as a crowdfactoring platform that combines crowdfunding and classical factoring. The core platform enables lenders to finance French SME invoices and operations for returns of approximately 12%. Two key add-on modules extend the core offering: BP Flex provides a secondary market for loan transfers (addressing illiquidity), while AutoPILOT automates investment selection based on user-defined criteria. The platform is regulated by AMF (PSFP license FP-2023-38) and processes payments through Lemonway.

Differentiator

Problem solved

Functional benefit

Brands

• BP Flex: A secondary market functionality allowing lenders to buy and sell existing loans before maturity, providing liquidity for typically illiquid crowdfactoring investments.
• AutoPILOT

Products and services

• Bienprêter Crowdfactoring Platform A regulated crowdfactoring platform that enables individual investors to finance invoices, quotes, and purchase/resale operations of French SMEs in exchange for interest income averaging a 13.36% gross annual rate paid monthly. Lenders self-register, complete KYC, and select projects from a €20 minimum investment. Borrowers (French SMEs) receive working capital to bridge invoice payment gaps. The platform retains less than 5% of submitted projects after analyst scoring under the proprietary Note BP rating system.
• BP Flex Secondary Market A secondary market feature that allows lenders to list and sell their ongoing loan participations before maturity, addressing the illiquidity typical of in-fine crowdfactoring loans. Accessible through a dedicated dashboard tool on the platform.
• AutoPILOT Automated Lending An automated lending tool that analyzes projects published on the platform and generates lending intentions based on user-configured criteria (sector, rating, amount, etc.). Lenders have up to 12 hours to accept or reject each proposed investment.

Quantifiable outcome

• €39.5 million in interest paid to lenders at 13.36% average gross annual rate since launch
• +4 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability2 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core, supporting and minor.

• LemonwaycoreTechnology or Integration · 1 January 2018Lemonway is a licensed payment institution (agréé ACPR 24/12/2012) providing end-to-end payment services for Bienprêter's platform. Lemonway manages e-wallets for lenders and borrowers, processes fund collections, executes loan disbursements, and handles monthly repayments. Bienprêter has a contractual clause guaranteeing platform continuity in case of Bienprêter's insolvency — Lemonway maintains and ensures wallet operations continue. CIB code: 16568J.
• OVHsupportingTechnology or IntegrationOVH provides cloud hosting services for the bienpreter.com platform and all associated data storage. OVH is a European cloud infrastructure leader headquartered in Roubaix, France.
• Orange, Free, Altaille InframinorOthersMentioned as network infrastructure partners of borrower Twelve Group — not direct partners of Bienprêter. Twelve Group's fiber optic deployment projects in partnership with these telecoms operators have been financed through the platform, but the relationship is indirect (borrower-level).
• Financement Participatif FrancecoreOthersBienprêter is a member of Financement Participatif France (FPF), the French crowdfunding industry federation. FPF promotes self-regulation, best practices, and industry standards. Membership requires compliance with FPF's code of ethics and deontology charter, to which Bienprêter's performance indicators adhere.
• Médiation de la Consommation & PatrimoinesupportingOthersDesignated consumer and wealth mediation body for dispute resolution. Located at 12 Square Desnouettes, 75015 Paris. Contact: [email protected]. Referenced in CGU and complaint handling procedures as the escalation step when direct resolution fails.
• MMA IARDsupportingOthersInsurance provider for Bienprêter's civil liability (RC). Referenced in the legal notices as the insurer covering platform operations.

Scale indicators16 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• October (formerly Lendix): Paris-headquartered online lending platform connecting European institutional and individual investors with SME loans. Directly comparable to Bienprêter as a regulated French SME crowdlending marketplace, with similar borrower profiles and platform structure.
• Younited Credit: French online consumer and SME credit platform operating as a regulated credit institution. Overlaps with Bienprêter on the SME working-capital lending side and competes for similar retail yield-seeking investors in France.
• Lendosphere: French participatory financing platform (IFP, AMF-registered) focused on green and environmental projects. Competes for the same pool of retail lenders and is positioned in the same French crowdfunding regulatory regime as Bienprêter.
• Prexem: French crowdlending platform dedicated to SME and entrepreneur financing. Directly competes with Bienprêter on the supply side (SME borrowers seeking working capital) and the demand side (French retail investors seeking yield).
• Koregraf: French AMF-regulated crowdfunding platform focused on real estate and SME projects. Comparable to Bienprêter in regulatory framework, target investor base, and project-based participatory lending model.
• Anaxago: Paris-based private investment platform offering access to real estate, SME, and growth equity deals via crowdfunding. Competes with Bienprêter for French retail yield-seeking investors and offers overlapping SME financing use cases.
• Mintos: Latvia-headquartered pan-European P2P lending marketplace aggregating consumer and business loans from originators across multiple countries. Comparable to Bienprêter in marketplace mechanics, retail lender base, and yield-driven product positioning.
• WeShareBonds: European regulated bond crowdfunding platform offering SMEs access to retail investors through minibonds. Comparable to Bienprêter in regulatory regime, investor onboarding model, and SME working-capital focus.

Broad incumbents

• Funding Circle: London-listed SMB lending platform operating across the UK, US, and Europe. A larger, established incumbent in the SME online lending space with broader geographic reach and deeper capital base than Bienprêter.
• LendingClub: US-listed pioneer of P2P lending, now operating as a digital marketplace bank. A broader incumbent in online consumer/SME lending with established marketplace mechanics relevant to Bienprêter's model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/bienpreter
• YouTubeyoutube.com/@bienpreter
• Facebookfacebook.com/bienpreter
• LinkedInlinkedin.com/company/bienpreter
• Instagraminstagram.com/bienpreter
• TikToktiktok.com/@bienpreter

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Bienprêter