Collecticity

What Collecticity does

Collecticity is a French participatory financing platform operated by Urbanis Finance SAS, founded in 2016 and headquartered in Paris. It enables French local authorities and public entities — communes, intercommunalities, and similar bodies — to raise funding directly from citizens and institutional co-investors through four product modules: bond issuance (Emprunt Obligataire), participatory lending (Prêt Participatif), donation campaigns (Collecte de Dons), and citizen consultation (Consultation Citoyenne). The platform operates under dual French regulation, holding both AMF PSFP authorization (registration FP-2023-35) and ORIAS IFP registration (number 15003764), and holds the Finance Innovation Label and the Croissance Verte (Green Growth) Label awarded by the French Ministry of Ecological Transition.

The underlying technology stack is a regulated fintech platform combining a public-facing issuance and subscription portal with third-party infrastructure for payments (MangoPay/Lemon Way), electronic signature (Yousign), and KYC/AML. Collecticity applies a project-scoring methodology underpinning its zero default rate on the participatory loan book. The platform has onboarded 100+ local authorities across 14 regions and, as of disclosure, has intermediated 31 projects including 5 bond issuances totaling €4.95M in nominal and 9 participatory loans totaling €210,400.

The business model is commission-based: Collecticity charges up to 4% HT on bond and loan transactions and approximately 6.6% HT on donation campaigns. Distribution relies on direct sales to public entities and an ecosystem of partnerships including SMACL Assurances and MNT (mutual insurers tied to the local-authority market), EGAMO (institutional fund co-investor), Bpifrance, and industry body Financement Participatif France. With a headcount of 1–10 and a stated share capital of €64,970, Collecticity operates as a focused micro-enterprise targeting the French public-sector finance niche rather than the broader consumer crowdfunding market.

Name

Collecticity

Legal name

Société Urbanis Finance

Website

https://collecticity.fr

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

Collecticity, operated by Urbanis Finance SAS, is a French participatory financing platform that enables local authorities to raise funds via bond issuances, participatory loans, donations, and citizen consultations. It serves 100+ French public entities under dual AMF PSFP and ORIAS IFP regulation.

Ownership category

akta.pro rank

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Platform commission — lending/bond issuance (PSFP activity): Collecticity charges project carriers a commission of up to 4% HT (exclusive of taxes) on successfully collected amounts for loan and bond offerings. Additionally, file processing fees of up to 3,000€ HT may be charged per project. The commission covers site maintenance, payment service provider costs, AML procedures, and insurance.
2. Platform commission — donation crowdfunding (IFP activity): For donation-based campaigns, Collecticity charges 300€ HT for platform listing at mandate signature, plus a commission of 6.6% HT on donations collected and paid to the project carrier. The 300€ listing fee is deducted from this commission. Investors and donors pay no fees to the platform.
3. Post-collection monitoring and relationship management: Collecticity provides ongoing post-collective monitoring services to borrowers and manages interest distribution to investors, generating ongoing service revenue from each active project over its full lifecycle.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Collecticity operates an online participatory financing platform that allows French local authorities, public establishments (EPL), and other public entities to raise funds directly from citizens and investors via bond issuances, participatory loans, and donations. It runs two complementary platforms: a CIP platform for bond investments and a PSFP platform for donations and participatory loans, both regulated by the AMF. The platform selects, pre-scores, and publishes financing campaigns for public-interest projects, with investors free of charge.

Product overview

Collecticity operates as a dual-platform crowdfunding solution for French local authorities and public entities. The ecosystem consists of two distinct platforms: (1) the PSFP platform (cip.collecticity.fr) for bond and loan offerings as a regulated Prestataire de Services de Financement Participatif, and (2) the CIP platform (app.collecticity.fr) for donation and lending activities as an Intermédiaire en Financement Participatif. Core products include fixed-rate bond issuance (Emprunt Obligataire), participatory lending (Prêt Participatif), donation campaigns (Collecte de Dons), and citizen consultation tools (Consultation Citoyenne). The platform is operated by Urbanis Finance SAS and has supported over 100 local authorities with financing solutions ranging from €5,000 to tens of millions of euros.

Differentiator

Problem solved

Functional benefit

Products and services

• Plateforme CIP (Conseiller en Investissement Participatif) Online platform operated by Urbanis Finance SAS for the issuance of bonds and other securities by French local authorities and public entities, open to investment by citizens and qualified investors.
• Plateforme PSFP (Prestataire de Services de Financement Participatif) Online platform operated by Urbanis Finance SAS that allows French local authorities to raise funds through participatory loans and donations, with the platform regulated by the AMF.
• Émission obligataire Service whereby French local authorities and public entities can issue bonds on the Collecticity CIP platform to raise finance from citizens and investors.
• Prêt participatif Participatory lending service that allows French local authorities and public entities to borrow directly from citizens and lenders on the Collecticity PSFP platform.
• Collecte de dons Donation collection service that allows French local authorities and public entities to gather small donations from citizens and local businesses for public-interest projects.
• Consultation citoyenne Citizen consultation service that enables French local authorities to validate and engage their constituents on public-interest projects alongside participatory financing.

Quantifiable outcome

• 0% default rate on 9 loan projects (210,400€) since 2016
• +5 more outcomes

Named customers10 records

Segments3 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core and minor.

• SMACL AssurancescoreStrategic or Co-development PartnerSMACL Assurances, the insurer of French local authorities, is a strategic partner of Collecticity. Eva Kaplanis, SMACL's Director of Development, stated that by partnering with Collecticity, SMACL contributes to developing projects serving the general and local interest, aligning with their core mission of supporting public sector entities. The partnership positions Collecticity within the trusted network of French public sector institutional actors.
• MNT (Mutuelle Nationale des Territoriaux)coreStrategic or Co-development PartnerMNT, the mutual insurance company for French territorial civil servants, is a strategic partner supporting Collecticity. Frédéric Sauvage, MNT's Director of Development, stated that supporting Collecticity is a way for MNT to support public action, both as a source of financing and as a means of more active citizen involvement in French territories. The partnership reinforces Collecticity's credibility within the public sector mutual ecosystem.
• Financement Participatif France (FPF)coreStrategic or Co-development PartnerCollecticity is a member of Financement Participatif France and signatory of its code of ethics, which includes a commitment to participate in an arbitration procedure in case of disputes with clients. FPF provides an arbitration mechanism (via its Board of Directors) for unresolved disputes within one month of referral. Collecticity also publishes its performance indicators per the FPF deontology charter, demonstrating compliance with industry self-regulation standards.
• MangoPay (Lemon Way)coreTechnology or IntegrationMangoPay (formerly Lemon Way, RCS Bobigny n° 500 486 915) acts as Collecticity's Payment Service Provider, providing payment account infrastructure, transaction processing, and AML/KYC compliance. MangoPay holds client funds in segregated accounts (with BNP Paribas as backup in case of MangoPay default) and would continue servicing existing projects in a management-extinctive scenario.
• Bpifrance (TousNosProjets)minorChannel Partner/ Reseller/ DistributorCollecticity participates in Bpifrance's TousNosProjets platform, a national portal for discovering participatory financing projects in France, expanding visibility to a broader pool of potential investors and donors beyond the Collecticity platform.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Wiseed: French participatory financing platform offering equity, loan, and bond products to SMEs and real-estate developers. Comparable to Collecticity in its regulated French IFP/PSFP status, multi-product platform, and use of digital distribution to retail investors.
• Credit.fr: French crowdlending platform regulated by the AMF (IFP/PSFP) providing loans to SMEs and small/mid-cap companies. Comparable to Collecticity in its regulated French crowdfunding model, transaction-fee revenue model, and use of digital onboarding/KYC for lender qualification.
• Fundimmo: French crowdfunding platform regulated by the AMF (PSFP) focused on real-estate participative financing. Comparable to Collecticity in its AMF PSFP authorisation, regulated bond/loan issuance model, and reliance on retail investors for project funding in the French market.
• October (formerly Lendosphere): European crowdlending platform connecting investors with SME and project loans, including energy-transition and infrastructure. Comparable to Collecticity in regulated marketplace lending, institutional fund partnerships, and European footprint across multiple asset classes.
• Anaxago: French crowdfunding platform focused on real estate, SMEs, and innovation projects, regulated as an IFP. Comparable to Collecticity in its regulated French crowdfunding model and its focus on alternative financing assets outside of bank credit.
• Lendopolis: French participatory financing platform (subsidiary of Tikehau Capital) offering loans and bonds to SMEs, real estate, and environmental projects. Closest French peer to Collecticity in terms of regulated PSFP status, bond/loan product mix, and use of crowdfunding for sub-sovereign / impact themes.
• Enerfip: French crowdfunding platform dedicated exclusively to renewable energy and energy-transition projects, often involving local authorities and public entities. Comparable to Collecticity in its regulated PSFP/IFP model, ESG focus, and reliance on citizen lenders to fund territorial infrastructure.
• Tudigo (formerly 1001pact): French participatory financing platform for SMEs, associations, and local projects, with both donation and investment products. Comparable to Collecticity in combining donations, equity, and lending under one regulated French crowdfunding entity, with similar ACPR/ORIAS regulatory positioning.

Broad incumbents

• La Banque Postale Collectivités Locales: Public-sector banking arm of La Banque Postale, the dominant incumbent lender to French local authorities. Comparable to Collecticity as the traditional counterparty the platform is disintermediating — same target borrower base, but offering bank balance-sheet financing at scale.
• Caisse des Dépôts et Consignations: French public financial institution providing long-term financing and loans to local authorities and public housing. Comparable to Collecticity as a long-tenor, low-risk lender to the same French public sector, representing the structural incumbent whose share Collecticity seeks to capture.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/collecticity

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Collecticity