Equity crowdfunding francês — investir em startups ao lado de VCs.
A Sowefund é uma plataforma francesa de equity crowdfunding e financiamento participativo fundada em 2014. Permite investir em startups inovadoras francesas selecionadas ao lado de investidores profissionais e business angels.
Sowefund is a startups crowdfunding platform headquartered in France. Retail and accredited investors fund equity opportunities project-by-project — either manually after reading the disclosure pack, or via an auto-invest strategy that allocates across new deals according to your filters (yield, term, region, originator score). The platform handles deal sourcing, underwriting, KYC and ongoing servicing on behalf of every investor on its cap table.
Each deal is presented with a project page that includes the borrower / sponsor identity, the use of funds, the security or collateral structure, the headline yield and the repayment schedule. Minimum ticket sizes start at €100 and typical deal terms run 12–36 months. When a deal is fully funded, capital is released to the borrower and scheduled returns (interest, dividends, capital amortisation) post to your investor account on the dates specified in the loan agreement.
Operations are supervised by AMF Autorité des marchés financiers. Supervision covers conduct, disclosure, segregation of investor cash, marketing standards and the platform’s own capital adequacy — it does not, however, guarantee that an individual deal will perform as advertised. Investors retain full project-level risk on every loan or equity stake they buy.
Once an investor has built a portfolio of 20–30 positions, performance is best assessed against the platform’s historical default rate, recovery rate on workouts, and the relative performance of its loan book through prior macro cycles. Reinvestment can be automated to compound returns; withdrawals go out via SEPA or local bank transfer to the account on file, usually within 1–3 business days for available cash.
The platform advertises target gross yields in the 8–11 % p.a. band. Realised net returns on a diversified portfolio typically run 1–3 percentage points below the headline range once defaults, cash drag and fees are taken into account.
Track record is best read against the France macro context — local interest rates, property cycle and employment data move loan-default rates in real time. Investors should diversify across at least 20–30 loans before extrapolating any single year of returns.
Suited to risk-tolerant investors with a 5–10 year horizon who can afford the possibility of total capital loss on individual deals. Diversification across at least 15–20 positions is essential; minimum ticket from €100. Not appropriate for emergency-fund capital or income-replacement strategies.
Capital at risk. Investments on Sowefund are not bank deposits and are not covered by any deposit-guarantee scheme (FGD in Spain, FGDR in France, gli istituti di garanzia in Italy, etc.). You can lose part or all of your capital.
Default risk. Borrowers may stop paying. Even with collateral or buyback, recovery is slow and partial in stressed scenarios.
Liquidity risk. There is no secondary market — invested capital is locked until the loan or project reaches maturity.
Tax. Interest and capital gains are taxable in your country of residence. Most European platforms do not withhold automatically.
support@www.sowefund.com — confirm on the platform’s contact page before sending sensitive information.Sowefund operates under supervision of AMF Autorité des marchés financiers. Supervision covers conduct, disclosure, segregation of investor cash and minimum capital requirements. It does not guarantee that any individual deal will perform as advertised — investors retain full project-level risk on every position they hold.
The minimum ticket per deal is €100. There is no upper limit for retail accounts; institutional tickets are arranged separately with the platform.
Advertised gross yields are 9% p.a.. Realised net returns depend on default rates, cash drag (money waiting between deals) and any servicing fees — expect actual portfolio returns 1–3 percentage points below the headline range after a full investment cycle.
Available cash typically arrives via SEPA or local bank transfer within 1–3 business days. Funds locked in active deals only return as borrowers repay; there is no secondary market, so plan on holding to maturity.
In an underwriting failure, the platform pursues the contractual recovery path — collateral realisation, debt-collection enforcement or court proceedings, with workouts typically taking 12–24 months. Recovery is rarely 100 %, and investors should size positions accordingly.
Investor cash held on the platform is segregated from Sowefund’s own balance sheet, as required by the rules of AMF Autorité des marchés financiers. In an insolvency, cash should be returned to investors and outstanding loans transferred to a runoff administrator who continues to collect repayments on investors’ behalf. The process can take 12–24 months and recovery is rarely 100 %, but the loans you own remain your property, not the platform’s.
Yes — interest, dividends and realised capital gains are taxable in your country of residence. Most platforms do not withhold automatically; investors report the income in their annual tax return and may apply double-tax-treaty relief where available.
Typical project duration is 12–36 months. Longer durations generally pay higher headline yields but lock capital for longer and increase exposure to macro cycles; shorter durations offer faster reinvestment but reset rates more often.
A common rule of thumb is 20–30 positions to absorb single-deal default risk. Below 10 positions, one bad loan can wipe out a year of returns; above 30 the marginal benefit of further diversification flattens. Auto-invest rules make this easy to maintain over time.
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Très rapide et instinctif, c'est bien détaillé pour savoir où investir. Les personnes sont très facilement disponible pour avoir des infos sup.
Plateforme simple et les project sont bien expliqué. Il faut un minimum se renseigner malgré tout sur les divers supports d'investissement mais facile d'utilisation, et les conseillers suivent bien. (Merci Anouk.G).
J'ai fait mon premier investissement l'année dernière avec le YACON et cette année j'ai refait l'expérience avec FIVE LIFES qui lutte contre le déclin cognitif et la maladie d'Alzheimer. Je me sens d'autant plus concernée car ma petite maman souffre de cette maladie. De plus, il y avait vraiment toutes les informations que l'on souhaite avoir. Sowefund est vraiment un site ou tout est expliqué simplement et clairement. Et j'ai apprécié l'appel téléphonique qui a suivi mon investissement me demandant si tout s'était bien passé et si j'avais d'autres questions... Site très sérieux.
Les personnes de l'équipe Sowefund sont accessible, réactive et pro. Les offres sont très clairement explicitées.
J'ai investi à plusieurs reprises. Le process a tjs été fluide quand bien même j'ai recouru certaines fois à un PEA-PME dont les formalités sont fastidieuses. Le site Internet est de qualité et permet d'avoir facilement accès aux documents juridiques d'AG de chaque participation.
Une personne de Sowefund m’a contacté pour me proposer de faire un nouvel investissement. Elle a bien cerné ce qui m’intéressait et a été courtoise et de bons conseils. Elle m’a envoyé les papiers pour que je puisse voir en détail de quoi il s’agissait et m’a recontacté qques jours après pour connaître ma décision
Bonne expérience, manque juste une aide un peu plus simple et spontanée sur les différentes options PEA/Defiscalisation/... au moment de choisir.
Merci de m'avoir présenté les opportunités à saisir
Site très complet avec beaucoup d'informations
Très bon conseil. Et facile d’investir sur le site
De potentielles belles pépites sur lesquelles investir et un suivi au cordeau par les conseillers Sowefund qui vous apportent le conseil si nécessaire
Très bonne expérience avec Sowefund. La plateforme est claire et intuitive. Le processus d’investissement est rapide et cela facilite grandement l’accès aux investissements en PE pour les particuliers. Les équipes sont aussi réactives et à l’écoute.