🏷️ Quick Overview
Name : La Première Brique
Creation : 2020
Country : France
Investors / Funded amounts : +125 000 investors / +300 million € funded
Type of loans : Real Estate – Cash advances to property dealers
Target strategy type : Medium/long-term high-yield investment in French projects
💻 Interface & Accessibility
Site language : French
General ergonomics : Very good design, smooth navigation, accessible information
Registration and KYC verification : Simple and quick, via Lemonway
Mobile app available : No
Auto-invest : Yes
📈 Yield & Performance
Current yield of the platform : 10 - 12 %
Observed yield (personal) : 12.56 %
Loyalty Program : No
Average loan duration : 12 to 24 months
Investment mode : Auto-invest or manual, project openings at fixed times
Minimum investment : €1
⚠️ Risks & Safety
Identified risks : Developer risk (delay, default), dependence on the French real estate market
Buyback guarantee / collateral : No (but GAPD or mortgage in certain cases)
Borrower rating available : No
Secondary market : No
Global transparency : Good, complete files provided for each project
Diversity of originators : Average (French property merchants, some recurring)
💧 Liquidity
Withdrawal ease : Low (funds locked until maturity)
Average fund recovery times : On due date, often respected, some delays
Deposit/withdrawal times : 1 to 2 days via Lemonway
Cash drag management : Good if responsive, projects often filled in a few minutes
🛡️ Regulation & Reliability
Official regulation (PSFP, FCA, etc.) : PSFP approval obtained in 2023
Legal compliance (country of origin) : Compliant with French and European legislation
History / known incidents : Some projects are delayed but no major defects
Responsive customer service : Yes (email, chat)
Regular communication : Excellent: newsletters, detailed project tracking, frequent reports
🎁 Bonus & Referral
Welcome bonus : No
Bonus de parrainage : 1% de cashback sur le premier investissement
🧠 My personal opinion
✅ Strengths:
- Exceptional accessibility (€1 minimum)
- Very good yields
- Transparency on projects
- Customer service responsiveness
❌ Weak points:
- Absence of secondary market
- Need to be very responsive to invest
- Developer risk always present
📌 Am I investing in it? Why? : Yes, it's a platform I use regularly for medium-term investments; I appreciate the very educational approach and the well-detailed projects.
🔍 For which investor profile? : Beginners to intermediate, looking for quick returns on French projects, able to actively follow new opportunities.