BienPrêter: loans and strategies for 2026
How BienPrêter works, its risks, its strategies, and how to complement it with European platforms such as Maclear.
How do loans on BienPrêter work?
BienPrêter is a crowdlending platform that lets contributors invest in French SMEs.
The steps of a loan are as follows:
- A company is analysed and selected by the platform
- The platform publishes the loan and its terms
- Investors subscribe to the loan
- The company pays interest on a regular basis
- At maturity, the company repays the principal
The loans on offer take the form of bonds or amortising loans.
Parameters:
- Yield: between 8% and 12% per year
- Duration: between 12 and 36 months
- Accessible minimum ticket
The yield depends on the risk level of the borrower.
What are the main risks?
Like any loan, the product carries:
- A risk of default by the company
- A risk of illiquidity
- A sector risk
It is therefore important to diversify your loans.
Strategies for using BienPrêter
- Diversify across projects
- Stagger repayment durations
- Mix risk levels
These platforms give your portfolio exposure to French SMEs.
Complementary strategies
Investors often want to limit their exposure to French SMEs. Complementary strategies can mean diversifying along:
- Geography
- Sectors
- Types of collateral
Example: complementing with a European P2B model
Some European platforms offer a peer-to-business (P2B) lending model with real collateral on the borrowing companies.
Maclear offers loans to European companies secured by equipment, assets or real estate.
Loan profile:
- Yield: between 13% and 16%
- Duration: between 6 and 16 months
- Provision fund
This product does not replace French SMEs, but complements a strategy built around BienPrêter.
BienPrêter vs. Maclear
| Criterion | BienPrêter | Maclear |
|---|---|---|
| Primary region | France | Europe |
| Project type | French SMEs | European SMEs (P2B) |
| Average yield | 8–12% | 13–16% |
| Duration | 12–36 months | 6–16 months |
| Collateral | Varies by project | Real collateral common |
Both platforms carry credit risk on SMEs. There is no government guarantee on loan repayment.
How to structure your portfolio
- A portion can be allocated to French SMEs
- A more dynamic share can go abroad with real-asset collateral
- Cap crowdlending at a share of total wealth
- Diversify across projects within the same platform
Goal: balance yield, duration and risk.
Conclusion
BienPrêter gives French investors access to the French SME market with yields that are attractive relative to traditional investments.
European platforms such as Maclear are a natural complement to BienPrêter.
Crowdlending is an interesting way to diversify a portfolio — provided it is structured properly.