753
Funded projects
27,217
Lenders
87,506,650 $
Already funded
Cash flow for a vehicle dealer
Financement QUALITY AUTO
Collection completed

AUTO QUALITY

Funding of $ 25,000

VS
7.90% over 36 months
Retail business
Project funded in 6 minutes
Inventory financing for a soybean trader
Financement LES SILOS DU TOUCH
Collection completed

THE TOUCH SILOS

Financing of $ 1,030,000

B +
4.30% over 12 months
Wholesale
Project funded in 8 days
Development of a pollution control specialist
Financement ATMOPUR
Collection completed

ATMOPUR

Funding of $ 400,000

B
5.90% over 36 months
Construction
Project funded in 9 days
Purchase of equipment for an audiovisual rental company
Financement DINOSAURES
Collection completed

DINOSAURS

Funding of $ 30,000

C +
6.60% over 24 months
Information and communication
Project funded in 5 hours
Repurchase of shares in the company DOMOTEK
Financement PRO SECURITE GROUPE
Collection completed

PRO SECURITY GROUP

Funding of $ 155,000

B
6.50% over 60 months
Other Service Activities
Project funded in 9 days
Cash for a farmer service company
Financement TURBO CEREAL FRANCE
Collection completed

TURBO CEREAL FRANCE

Financing of $ 100,000

B
5.30% over 12 months
Other Service Activities
Project funded in 42 minutes
Cash flow requirement for a company consulting specialist
Financement COMMERCE PARTNERS
Collection completed

COMMERCE PARTNERS

Funding of $ 20,500

C +
State guaranteed loan
Other Service Activities
Project funded in 25 days
Cash flow for a photovoltaic plant operator
Financement SAS LES CHENEAUX ENERGIE
Collection completed

SAS LES CHENEAUX ENERGIE

Funding of $ 30,000

B
State guaranteed loan
Sustainable development
Project funded in 15 days
Purchase of machinery for a food industry
Financement HOA NAM
Collection completed

HOA NAM

Funding of $ 155,000

B
5.60% over 24 months
Hotel and catering
Project funded in 4 days
Need for cash to finance growth
Financement S2IA
Collection completed

S2IA

Funding of $ 773,000

C +
6.90% over 36 months
Other Service Activities
Project funded in 12 days
Support of the WCR of a cleaning company
Financement CIE GENERALE DE NETTOYAGE
Collection completed

CIE GENERAL DE CLEANING

Funding of $ 700,000

B +
4.60% over 24 months
Other Service Activities
Project funded in 9 days
Financing of the working capital of an SME in construction
Financement PEINTURE SOL RAVALEMENT
Collection completed

FLOOR PAINTING

Funding of $ 500,000

B +
4.60% over 24 months
Other Service Activities
Project funded in 9 days
Lending to companies involves risks of partial or total loss of the loaned capital, of non-payment of interest in the event of default by the borrower, and requires immobilization of your cash during the term of the loan. The posted rate is net of borrower fees. Borrower fees are at most 4.80% including tax of the amount borrowed and 1% including tax of the capital remaining due on the anniversary date. whimblegardens.co.uk offers a completely free service for lenders who do not bear any fees.

Crowdfunding with whimblegardens.co.uk - Discover crowdlending

Crowdfunding is experiencing a real boom at the time of the digital transition and the development of the Internet. But it has been around for a long time. Today, the crowdfunding model offers new opportunities in many industries. Crowdfunding, a form of crowdfunding for businesses, stands out for the many advantages associated with it.

A little history of crowdfunding

The very concept of crowdfunding came into being during the 18th century. These funds were intended for charities. The first major crowdfunding project to have been funded through a collective fundraiser is the construction of the Statue of Liberty.

However, this model did not begin to become popular until the 1990s. It first concerned the arts community (music, video game entertainment). The best-known example is undoubtedly the Kickstarter platform, which has made it possible to finance a large number of musical artists, especially in France. It then spread to other areas, such as real estate or the corporate world.

Crowdfunding, what is it?

Concretely, participatory investment consists in raising collective funds in order to finance a project. For contributors, there is almost always a return on investment. This takes different forms depending on the type of crowdfunding involved:

  • The gift: this is the only practice that is not intended to generate profits for the investor. The donation is made for charitable works or takes the form of patronage, like the first historic crowdfunding projects. The contributors give a certain amount without waiting for financial compensation.
  • The reward: this model incorporates rewards that are not financial. In other words, the project leader can symbolically thank the contributors. It can also provide them with the product or service concerned, once it begins to be marketed. In the case of real estate crowdfunding, participants receive part of the rents or the amount of the sale of the homes built.
  • “Crowdequity”: investors in this form of corporate crowdfunding are allocated shares in the company in which they invest. They therefore regularly receive dividends and may receive a capital gain on resale.
  • “Crowdlending”: this is the participatory loan, the model offered on whimblegardens.co.uk. By choosing crowdlending, the investor is remunerated by interest.

Focus on crowdlending

Crowdlending is a solution that allows project leaders to be supported in their activity by at least partially freeing themselves from the banking system. The advantages of crowdfunding in favor of SMEs and VSEs are numerous, both for lenders and for borrowers.

The advantages of the equity loan: on the lender side

For the investor, this is the opportunity to diversify his savings and therefore to control risks. The entry ticket for this form of corporate crowdfunding is indeed lower than other forms of investment: it starts at a few tens of us dollars depending on the project. In other words, the diversification of investments leads to a mutualisation of risk.

In addition, the profitability of crowdlending is attractive. According to the barometer for the year 2019 published by the FPF association (Financement Participatif France), the rate of return on the interest-bearing loan can climb up to 10%, and the majority of projects benefit from a rate of return of between 4 and 8%.

As a free and cost-free participatory platform, financing projects via whimblegardens.co.uk is quick and easy: all you need is a few clicks to select a project that interests you and lend the amount of your choice. You have a wide choice of financing to be sure you can diversify your investments.

In addition, you support the real economy by allowing companies to finance all of their functional needs: cash flow, equipment, raw materials, recruitments, business expansion ... You contribute to the dynamism of economic life and development companies you choose to finance.

The advantages of crowdfunding: borrower side

For borrowing companies, crowdlending is a preferred source of liquidity. On the one hand, because all of your human, material and immaterial resources needs are covered.

On the other hand, because you save precious time that you can devote to your core business and your professional missions. Indeed, all the procedures related to the participatory loan on whimblegardens.co.uk are carried out online. You do not have any paper documents to send or an appointment to attend. But the benefits for borrowers are far more numerous:

  • On our crowdfunding platform, you will receive a definitive answer within 48 hours of your request.
  • The funds are allocated to you at most within 10 days of the validation of your project.
  • It is not necessary to provide us with guarantees or deposits.
  • If you are able to make an early repayment, you do not incur any penalty.
  • Many investors are looking for projects to finance on whimblegardens.co.uk. Our crowdfunding platform provides you with great visibility and gives you access to potential prospects.

In other words, crowdlending with whimblegardens.co.uk is an ideal solution, both for investors and for companies wishing to grow . Our crowdfunding solutions benefit both parties in all circumstances.

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