Accessible to savers from a few hundred euros, participatory financing – or crowdfunding – continues to have the wind in its sails. After the real estate crowdfunding boom, it is the crowdfunding of companies whose activity and projects are directly linked to the energy and ecological transition, or even, more broadly, the preservation of the planet’s resources, which is now in the spirit of the times.
How do we invest? Most often via loans to these companies, or via equity investments in their capital. Fundraising projects are usually accessible online on platforms.
First of all, there are the historical players in the sector, who only offer files related to new and renewable energies – solar power plants, wind turbines, hydraulic power plants, biogas, geothermal energy, etc. This is the case with AkuoCoop, Enerfip, Lendosphere, Lendopolis, Lumo. Yields from loans fluctuate between 4% and 6% annually.
Some generalist platforms also provide access to this type of investment. “Sometimes we offer to finance, in private equity [investissement au capital d’une entreprise non cotée en Bourse] or in bond loans, companies offering technological innovation linked to green energy or sustainable mobility”, says Mathilde Iclanzan, CEO of WiSEED, for example. The performances displayed here range from 5% to 8% over the overall duration of the loan (i.e. two years on average). Among the best-known platforms is also Lita, which specializes in sustainable projects in general.
Agriculture, circular economy
There are also sites occupying a niche, such as the MiiMOSA platform, which has been digging its furrow in agriculture since 2015. In addition to methanization, it helps finance the transition to organic farming, the creation of short circuits, to sell farm products, etc. Yields fluctuate between 3% and 7% annually.
Tudigo, for its part, plays the environmental impact and circular economy card. “Recently, we raised one million euros for a champagne house that wants to build a distillery to recycle grape waste. This equipment will be used to make a new spiritsays Alice Lauriot dit Prévost, co-founder and partner of Tudigo. Two other files financed recently concerned the creation of a textile activity using 100% natural dyes, and the development of an activity of household products that are not very harmful to the planet. »
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