Finance your intangible needs, quick and easy financing for VSEs / SMEs

Final response within 48 hours No guarantee required Quick release of funds No prepayment charge

Intangible financing: what solutions for companies?

The possibility of financing the recruitment of its employees, the redesign of its website or its research and development expenses is a key point for companies.

SME or VSE, find out how to finance your intangible assets more easily and develop yourself!

Intangible business needs: what are they?

The value of a company is not based solely on its material assets (machines, computers, vehicles, etc.), but also on its intangible assets. Here, we find, research & development expenses, software, patents, or even the website.

These investments allow the company to improve its competitiveness not linked to price. Among other things, its image, and its ability to innovate. It is clear that these intangible investments have a positive impact on the profitability of the company.

The intangible financing of companies is therefore a key point . For specialists, this factor is even considered as an indicator of the progress of an economy. Because it contributes in particular to a country's exports and growth.

In France, in recent years, intangible investments have grown faster than tangible investments. They have been driven in particular by employee training, software purchasing and marketing.

Banks, communities: what financing solutions?

Paradoxically, banking establishments finance tangible or real estate investments more easily than intangible investments. This is explained by the fact that banks have difficulty in matching this financing with guarantees.

In order to maximize their chances of obtaining a bank loan, entrepreneurs often have no other choice than to use a broker, who supports them in their search for financing and in negotiation.

Other solutions are however possible, in particular with regard to the financing offered by BPI France (Public Investment Bank). However, here the amounts are generally capped and attributed to certain profiles, more particularly industrial, innovative and exporting companies.

In conclusion, even if funding and aid are possible, they are not easy to obtain! This is why entrepreneurs often choose to self-finance the intangible . But this choice is not without consequences. Because it weakens the company's cash flow!

Logo Les Echos
Logo BFM Business
Logo Le Figaro
Logo La Tribune

The financing stages on

  • 1. Test your eligibility (60 seconds) Fill in your information and accompany your request with your latest assessments.
  • 2. Analysis of your loan request (48 hours) Our analysts will contact you to further develop the development project.
  • 3. Online collection (7 days) Gain visibility with our large community of lenders.
  • 4. Release of funds (24 hours) The collection is complete, we release the funds to your bank account.
  • 5. Repayment of lenders (Duration of the loan) takes a monthly installment from you to redistribute it directly to your lenders.

Crowdlending and intangible financing

Crowdlending is a new financing solution, made possible since 2014 by the law on crowdfunding. These are individuals or companies who lend a sum of money to finance a business development project. The loaned amount is repaid to the lenders each month with interest. Thus, through crowdlending a company needing $ 100,000 to recruit 3 new employees will find its financing more quickly and simply .

Today, crowdlending (participatory loan) is a response adapted to the needs of VSEs and SMEs to finance their efforts in marketing, recruitment, research, or even training.

Crowdlending can, for example, make it possible to finance a very small enterprise wishing to train its employees in new technologies for an amount of $ 20,000.

Crowdlending: a good alternative to bank credit?

The equity loan is a formula that appeals to both investors and companies. It is first and foremost a quick solution to financing needs. Once the file is complete, a final answer is delivered to the applicant within 48 hours . Faced with red tape, this formula is a real business accelerator.

In addition, thanks to the platforms dedicated to crowdlending, investors and entrepreneurs save precious time in formalities thanks to a fully online process. Finally, the largest platforms benefit from optimal visibility on the internet and in particular on social networks. This can make it possible to open the business to other clients or to lenders to play the role of ambassador on the project (s) they have financed., the leading French platform in participatory lending

Thanks to, you can finance both the material needs and the intangible needs of your business. Get loans of $ 20,000 to € 2.5 million, ranging from 12 to 84 months from 2.40% .

Thanks to crowdlending, finance the training of your employees, R&D or even the redesign of your website . Solid support to boost your development and give wings to your projects! offers loans to companies in mainland France with at least 4 years of seniority.

Crowdlending is a new financing solution for the intangible needs of VSEs, SMEs, craftsmen, traders, liberal professions ...

Questions answers

With, the acceptance process is simplified as much as possible: online loan request and final response in less than 48 hours. No personal deposit or guarantees required. At, we eliminate excessive bureaucracy, and we trust you!
Your company must have more than 3 years of seniority, achieve more than $ 150K in turnover and have positive equity.
You can borrow from $ 20,000 to $ 2,500,000.
The terms offered by range from 12 months to 60 months.
Our credit analysts calculate this rate by taking into account the duration of the loan and the risk of the project to make several proposals for durations.
After uploading your project to our website, allow around 7 to 10 days to receive the funds in your bank account.
Like a bank loan, each month you will repay the lenders (principal + interest) for the duration of the loan. Our partner S-Money takes care of everything. Make sure your bank account is fully funded before each monthly withdrawal.