Anaxago: crowdlending in France and its alternatives
Anaxago and its French and European alternatives for real-estate crowdlending — BienPrêter, Tudigo, Maclear, Mintos.
Anaxago and other alternatives for real-estate crowdlending in France and Europe
Anaxago
Anaxago offers several types of investments:
- Real-estate crowdfunding
- Startups (equity investment)
- Unlisted funds
- Real-estate crowdlending: contributions used to finance development or renovation projects, over a period of 12 to 36 months
Key features:
- Investment ticket: varies by project
- Fees: 0% for the investor on real-estate deals
- Yield: between 8% and 12%
- Platform supervisor: AMF (France)
- Loan format: bonds
Risks of the real-estate model
Like any real-estate platform, Anaxago is exposed to the following risks:
- Construction delays
- Rising construction costs
- Swings in the property market
- Default by the developer
Even though losses on failed projects are typically low (1% to 3% on average), some platforms have felt more pressure on projects launched between 2020 and 2022. It is therefore essential to diversify across projects.
French alternatives
BienPrêter
BienPrêter offers crowdfunding for French SMEs.
- Minimum ticket: from €20
- Yield: up to 12%
- Loan format: bonds or amortising loans
- Collateral: depends on the project
Unlike Anaxago, which offers property deals, BienPrêter offers lending to French SMEs.
Tudigo
Equity crowdfunding for innovative companies.
- Investment ticket: varies by project
- Loan format: equity or real estate
- Yield: depends on the performance of the funded companies
- Higher risk on these investments, but also greater upside potential if the companies succeed
European alternatives
Maclear
European crowdfunding in the P2B (peer-to-business) segment.
- Investment ticket: €50
- Yield: between 13% and 16%
- Protection: projects backed by real assets with security interests, equipment and a provision fund covering construction delays
- Loans to European companies
Mintos
- Offers consumer loans
- Offers bonds
- Offers real-estate crowdfunding
- Yield: between 8% and 14%
- Several asset types available on the platform, but it requires a thorough analysis of the borrowing companies
Platform comparison
| Platform | Main sector | Target yield | Min. ticket | Protection |
|---|---|---|---|---|
| Anaxago | Real estate / equity | 8–12% | Varies | Real-estate collateral |
| BienPrêter | French SMEs | Up to 12% | €20 | Varies by project |
| Tudigo | Company equity | Varies | Varies | Depends on the project |
| Maclear | European SMEs (P2B) | 13–16% | €50 | Collateral + fund |
| Mintos | Multi-asset | 8–14% | €50 | Varies / buyback |
No platform offers a public guarantee on the invested capital.
Strategies for 2026
- Anaxago for French real estate
- Add a national SME platform such as BienPrêter
- Add a European platform for geographic diversification
- Cap the number of crowdlending positions in line with the chosen asset count
Diversifying across several platforms reduces the risk tied to any individual company.
Conclusion
Anaxago is one of the oldest real-estate crowdlending platforms in France.
Other platforms available in France include BienPrêter and Tudigo.
In Europe, the most interesting platforms are Mintos and Maclear.
Investors who want to diversify their investments can therefore combine:
- Real-estate crowdlending on Anaxago
- Financing of French SMEs on BienPrêter or Tudigo
- European businesses on Maclear or Mintos
It therefore makes sense to diversify investments by sector (real estate, businesses), country (France, Europe) and number of platforms used to genuinely reduce the risk of project failures or financial losses.