ClubFunding Group

What ClubFunding Group does

ClubFunding Group is a French family-owned financial group that operates a regulated digital investment platform offering eight core alternative investment products spanning real estate debt crowdfunding, real estate equity, real estate debt funds (managed by subsidiary ClubFunding Asset Management), structured products (issued by group subsidiary Altitud), SCPI real estate investment trusts, Girardin industrial tax optimization (structured by group entity CF Profina), apport-cession tax deferral, and venture capital (Apollo IV and Apollo V funds). The platform is regulated by the AMF as a Prestataire de Services de Financement Participatif (PSFP) under registration FP-2023-40 and registered with the ACPR under 732445, with subsidiary ClubFunding Asset Management holding AMF portfolio management authorization (GP-20000025).

The company's technology stack centers on a self-service digital platform accessible via web (clubfunding.eu) and native iOS and Android mobile applications, supported by a direct debit investment system that enables investors to deploy capital without pre-funding a separate account. The platform targets individual investors (40,000+ registered users) seeking returns beyond traditional savings products (Livret A capped at 2.5%), with minimum investments starting at €1,000 for most products and €200 for SCPI Vitality. The company's "no entry fees, no arbitration fees, no subscription fees" pricing model differentiates on cost transparency, while curated deal flow in real estate and structured products is positioned as exclusive to the platform.

ClubFunding monetizes through three primary revenue streams: crowdfunding intermediation fees on transactions facilitated through the PSFP license, fund management fees via ClubFunding Asset Management, and structured product distribution fees via Altitud. The company has facilitated over €2 billion in cumulative investments since inception and reports a 9.95% average TRI on fully repaid alternative financings since 2015 (calculated as of April 30, 2026). Operational geography covers metropolitan France and French overseas territories, supported by 150+ employees, with family ownership under CF GROUP HOLDING and no disclosed external institutional investors.

Name

ClubFunding Group

Legal name

ClubFunding Group

Website

https://clubfunding-group.com

Company type

Private

Operating status

Operating

Headcount range

51–100 employees

Short description

ClubFunding Group is a French, family-owned digital investment platform regulated by the AMF as a PSFP, offering eight alternative investment products — real estate debt and equity crowdfunding, managed funds, structured products, SCPI, Girardin tax optimization, and venture capital — to over 40,000 individual investors.

Ownership category

akta.pro rank

Headquarters

HQ city

France

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Crowdfunding Intermediation: Facilitates real estate debt and equity crowdfunding as a regulated PSFP, earning fees from project issuers and investors
2. Fund Management (ClubFunding Asset Management): Asset management services for real estate debt funds, managed by AMF-licensed ClubFunding Asset Management (GP-20000025)
3. Structured Products Distribution: Distribution of Altitud structured products (issued by Altitud, subsidiary of CF GROUP HOLDING)

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

ClubFunding Group operates a regulated digital investment platform that distributes curated real estate and structured investment products to individual investors. It facilitates real estate debt and equity crowdfunding, structured products, SCPI, Girardin tax-optimization products, apport-cession schemes, and venture capital investments, with payments processed via Treezor and asset management handled by its AMF-licensed subsidiary ClubFunding Asset Management.

Product overview

ClubFunding Group is a family financial group offering a multi-product investment platform focused on real economy assets and alternative investments. The platform operates as a unified ecosystem of 8 core investment products: (1) Dette immobilière crowdfunding for direct property lending, (2) Fonds de dette immobilière managed by ClubFunding Asset Management, (3) Equity immobilier for equity stakes in property projects, (4) Produits structurés via Altitud subsidiary offering structured notes, (5) SCPI for real estate investment trust exposure, (6) Girardin tax reduction products managed by CF Profina, (7) Apport-cession for business sale tax deferral, and (8) Startups/venture capital through Apollo funds. The platform is PSFP-licensed (AMF), has facilitated over €2 billion in investments, and serves over 40,000 investors with minimum investments starting at €1,000, targeting 9.95% average TRI.

Differentiator

Problem solved

Functional benefit

Products and services

• Dette immobili\u00e8re (Real Estate Debt Crowdfunding) Real estate debt crowdfunding allowing investors to fund property development projects and receive fixed annual yields of 11-12%, with durations typically between 6-24 months.
• Fonds de dette immobili\u00e8re (Real Estate Debt Funds) Real estate debt funds managed by ClubFunding Asset Management (AMF regulated), offering diversified exposure to property debt instruments with targeted TRI returns.
• Equity immobilier (Real Estate Equity) Direct real estate equity investments in property development projects, offering higher potential returns of 15% annual target through ownership stakes.
• Produits structur\u00e9s (Structured Products - Altitud) Structured financial products issued by Altitud (subsidiary of CF GROUP HOLDING), offering returns tied to market indices with varying levels of capital protection, including products like Altitud Protect, Altitud Target, and Altitud Dell.
• SCPI Vitality Soci\u00e9t\u00e9 Civile de Placement Immobilier (real estate investment trust) offering quarterly income distributions with a targeted 6% distribution rate and an 8-year recommended holding period.
• Girardin Industriel (Tax Reduction) Tax reduction product through overseas Girardin industrial investments, structured by CF Profina, offering 12% net returns and tax reductions with minimum investment of €2,500.
• Apport-cession Business sale contribution scheme under Article 150-0 B ter, enabling company directors to defer capital gains taxes by reinvesting proceeds in property projects.
• Startups (Apollo IV, Apollo V venture capital) Venture capital investments in startups through IR-PME, PEA-PME, and 150-0 B ter eligible vehicles, offering >20% target TRI and 18% tax credit on invested amounts.

Quantifiable outcome

• €2 billion+ invested through the platform
• +2 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Two partnerships are on record, tiered core.

• AltitudcoreStrategic or Co-development PartnerAltitud is a dedicated subsidiary of CF GROUP HOLDING that issues structured products offered on the ClubFunding platform. The company specializes in purchasing structured investment products and making them accessible to ClubFunding investors.
• CF ProfinacoreStrategic or Co-development PartnerCF Profina structures Girardin industrial operations for ClubFunding. Registered since 2016 with Paris Prefecture as an intermediary in overseas tax optimization, specializing as an operation developer for Girardin tax schemes. Renewed registration July 2022 under number 072022 075 007.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Fundimmo: Fundimmo is a French real estate crowdfunding platform operating as a PSFP, directly competing for retail investors seeking real estate debt and equity crowdfunding offerings.
• Anaxago: Anaxago is a French regulated PSFP and investment platform focused on real estate and innovation crowdfunding, directly competing with ClubFunding for retail investors seeking private real estate and private equity exposure in France.
• La Première Brique: La Première Brique is a French real estate crowdfunding platform offering debt and equity participation to retail investors, directly competing with ClubFunding's real estate debt and equity products.
• Lendosphere: Lendosphere is a French crowdfunding platform focused on loans to real estate developers and renewable energy projects, directly comparable to ClubFunding's real estate debt crowdfunding offering under PSFP regulation.
• October: October (formerly Lendix) is a European P2P lending platform operating in France with regulated status, comparable to ClubFunding's debt intermediation activity and underwriting of alternative financings for SMEs and real estate developers.
• WiSEED: WiSEED is a French AMF-registered PSFP offering real estate and innovation crowdfunding plus managed funds, directly comparable to ClubFunding's PSFP activity, debt funds, and venture capital product mix.
• Bricks: Bricks is a French fractional real estate investment platform offering real estate debt and equity exposure to retail investors, overlapping directly with ClubFunding's real estate crowdfunding and SCPI products.
• PretUp: PretUp is a French PSFP-registered P2P lending platform focused on real estate and consumer loans, directly comparable to ClubFunding's real estate debt crowdfunding activity.

Broad incumbents

• Younited Credit: Younited is a French consumer credit marketplace and licensed credit institution offering consumer loan intermediation, a broader incumbent operating adjacent intermediation and digital lending activities to ClubFunding's debt crowdfunding business.

Others

• Yomoni: Yomoni is a French AMF-regulated robo-advisor offering managed investment portfolios to retail investors, adjacent to ClubFunding as another regulated French retail investment platform serving similar individual investor personas.

Market position

Strengths1 record

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/clubfunding-group

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 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 ClubFunding Group