🏷️ Quick Overview
Name : BienPrêter
Creation : 2018
Country : France
Investors / Amounts financed : +47,000 investors / +€227 million financed
Type of loans : Commercial receivables (short-term loans to businesses, primarily for invoice collection)
Target strategy type : High and passive yield
💻 Interface & Accessibility
Site language : French
General ergonomics : Smooth, simple, and well-structured interface
Registration and KYC verification : Fast procedure compliant with European standards
Mobile app available : No
Auto-invest : Yes, with filters by duration, rate, borrower rating
📈 Yield & Performance
Current yield of the platform : 11 – 15 %
Observed yield (personal) : Approximately 13%
Loyalty Program : No
Average loan duration : Between 9 and 16 months
Investment mode : Auto-invest highly recommended to avoid cash drag, but manual investment possible
Minimum investment : €20
Opération 1 Million -> + 4 500 lots à gagner
Participez à un tirage au sort récompensant les plus assidus ! 1 Million d'euros en jeu en validant seulement quelques tâches sur l'onglet créé pour l'occasion.
⚠️ Risks & Safety
Identified risks : High default risk (micro/small businesses, companies in difficulty or litigation), recovery-based model
Buyback guarantee / collateral : No (the loans are legally "assigned" but not guaranteed)
Borrower rating available : Yes, A to E
Secondary market : Yes, recently, thanks to BP Flex
Global transparency : Average (lots of data, but little post-project information)
Diversity of originators : Low (loans issued directly by the platform)
💧 Liquidity
Withdrawal ease : Average, depending on the loan maturity
Average recovery time for funds : Generally less than 14 months
Deposit/withdrawal times : 1 to 2 business days
Cash drag management : Low, with a well-adjusted auto-invest
🛡️ Regulation & Reliability
Official regulation (PSFP, FCA, etc.) : Formerly IFP in France → now approved PSFP
Legal compliance (country of origin) : Compliant with French and European regulations
History / known incidents : Some notable delays and defaults (e.g., ghost TPEs, lengthy procedures), but the platform is active in recovery. However, statistically, there are no defaults, only an issue with the company TECHNI GYM, which had defrauded their files with several platforms, but BienPrêter chose to fully reimburse the borrowers from its own funds
Responsive customer service : Yes, team based in France (email)
Regular communication : Yes, frequent newsletters and publications on defects
🎁 Bonus & Referral
Welcome bonus : No
Referral bonus : Yes, €10 offered once €200 is invested with the code U63E15100A534C
🧠 My personal opinion
✅ Strengths:
- Limited cash drag
- User-friendly interface
- Very good performance
- French and transparent platform
- Simple taxation (automatically declared via IFU)
❌ Weak points:
- Not the owner of the claim
- Still a bit too much PROMUP in borrowers
- Not enough transparency on defaults and delays, reimbursed from own funds
📌 Am I investing in it ? Why ? : Yes, but only in diversification for the moment. I prefer small amounts across a large number of projects through auto-invest, to smooth out the risks. An interesting platform to boost a portfolio with high-yield French investments
🔍 For which investor profile ? : Savvy investors or intermediaries who accept increased risk for good returns, no hassle in smoothing out the amount of their investments