{"id":9530,"date":"2017-12-06T11:55:51","date_gmt":"2017-12-06T10:55:51","guid":{"rendered":"https:\/\/www.agilit.law\/?p=9530"},"modified":"2025-04-09T11:07:46","modified_gmt":"2025-04-09T09:07:46","slug":"quil-faut-savoir-crowdfunding","status":"publish","type":"post","link":"https:\/\/www.agilit.law\/en\/private-equity\/quil-faut-savoir-crowdfunding\/","title":{"rendered":"Ce qu\u2019il faut savoir sur le crowdfunding"},"content":{"rendered":"<p>Les entreprises ne parviennent pas toujours \u00e0 se financer dans des conditions favorables, ce qui peut compromettre leur p\u00e9rennit\u00e9 ou freiner leurs initiatives.<br \/>\nC\u2019est en partant de ce constat et gr\u00e2ce au d\u00e9veloppement des nouvelles technologies que la finance participative ou \u00ab\u00a0crowdfunding\u00a0\u00bb s\u2019est d\u00e9velopp\u00e9e et connait un v\u00e9ritable essor.<\/p>\n<p>&nbsp;<\/p>\n<p>Aujourd\u2019hui, le financement participatif se pose comme une alternative aux acteurs du financement classiques, plus que comme un concurrent. Dans certains cas, le financement participatif et le financement classique peuvent m\u00eame \u00eatre combin\u00e9s. Des banques ont ainsi cr\u00e9\u00e9 des partenariats avec des plateformes de crowdfunding.<br \/>\nSi, \u00e0 ce jour, le financement participatif ne fait l\u2019objet d\u2019aucune d\u00e9finition juridique, il peut \u00eatre d\u00e9crit comme \u00e9tant un moyen de lever des fonds aupr\u00e8s du grand public, via une plateforme internet.<\/p>\n<p>&nbsp;<\/p>\n<p>Il prend plusieurs formes\u00a0:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>Le don avec ou sans contrepartie (\u00ab\u00a0crowdgiving\u00a0\u00bb)<\/li>\n<li>Le pr\u00eat gratuit ou le pr\u00eat r\u00e9mun\u00e9r\u00e9, ainsi que l\u2019acquisition de titres de cr\u00e9ance (\u00ab\u00a0crowdlending\u00a0\u00bb)<\/li>\n<li>La souscription de titres de capital (\u00ab\u00a0crowdequity\u00a0\u00bb)<\/li>\n<li>Toutes les op\u00e9rations sur titres (actions, obligations et minibons) sont \u00e9galement appel\u00e9es \u00ab\u00a0crowdinvesting\u00a0\u00bb)<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Le financement participatif connait une croissance exponentielle.<\/p>\n<p>&nbsp;<\/p>\n<p>En 2016, le montant collect\u00e9 total a \u00e9t\u00e9 de 628,8 millions d\u2019euros, soit plus du double qu\u2019en 2015.<\/p>\n<p>&nbsp;<\/p>\n<p>Il a permis de lever 233,8 millions d\u2019euros en 2016 en France (contre 166,8 millions en 2015), r\u00e9partis comme suit entre les trois grands types de financement participatif :<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>Don : 68,6 millions d\u2019euros (dont 7,2 millions de dons sans r\u00e9compense)<\/li>\n<li>Pr\u00eat : 96,6 millions d\u2019euros (dont 3 millions de pr\u00eat non r\u00e9mun\u00e9r\u00e9, 45 millions en obligations et 8,4 millions en minibons)<\/li>\n<li>Investissement : 68,6 millions d\u2019euros.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>Quel est l\u2019int\u00e9r\u00eat de faire appel au crowdfunding\u00a0?<\/strong><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong><strong>Amorcer son projet<\/strong><\/strong><\/li>\n<\/ul>\n<p>Au m\u00eame titre que la \u00ab\u00a0Love money\u00a0\u00bb ou les Business Angels, le crowdfunding facilite l\u2019amor\u00e7age d\u2019un projet, qui n\u2019a pas encore assez d\u2019envergure pour convaincre les acteurs classiques du financement, mais qui a quand m\u00eame des besoins de financement.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong><strong>Faire levier pour obtenir un financement classique<\/strong><\/strong><\/li>\n<\/ul>\n<p>Obtenir un financement participatif peut permettre \u00e0 un projet de renforcer ses fonds propres et de lui donner de meilleures garanties pour obtenir un emprunt bancaire.<\/p>\n<p>&nbsp;<\/p>\n<p>De plus, la r\u00e9ussite d\u2019une op\u00e9ration de crowdfunding cr\u00e9dibilise le porteur de projet aupr\u00e8s des banques et autres investisseurs institutionnels.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong><strong>Tester, faire conna\u00eetre et enrichir son produit<\/strong><\/strong>&#8211; Tester son produit aupr\u00e8s du public<br \/>\n&#8211; Recueillir l\u2019avis et les suggestions des internautes<br \/>\n&#8211; F\u00e9d\u00e9rer une communaut\u00e9 aupr\u00e8s de son projet, notamment \u00e0 travers les r\u00e9seaux sociaux<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>Y\u2019a-t-il des risques \u00e0 faire appel au financement participatif\u00a0?<\/strong><br \/>\n<strong>\u00a0\u00a0\u00a0 \u00a0 \u00a0 (i)\u00a0 \u00a0 L\u2019\u00e9chec<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>La r\u00e9ussite d\u2019une op\u00e9ration de crowdfunding n\u2019est pas garantie.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>Perte de temps et d\u2019argent\u00a0: Si le financement n\u2019aboutit pas, le porteur de projet aura perdu du temps et de l\u2019argent car c\u2019est une op\u00e9ration chronophage qui demande beaucoup d\u2019implication.<\/li>\n<li>Perte de cr\u00e9dibilit\u00e9\u00a0: L\u2019\u00e9chec du financement sur une plateforme peut faire \u00ab\u00a0effet boule de neige\u00a0\u00bb et emp\u00eacher le projet de trouver une autre plateforme ou une autre source de financement.<strong><strong>(ii) Le plagiat<\/strong><\/strong><\/li>\n<\/ul>\n<p>Le porteur de projet devra rendre public un grand nombre d\u2019informations sur son projet, lesquelles pourraient \u00eatre pill\u00e9es pour servir un projet concurrent.<\/p>\n<p>&nbsp;<\/p>\n<p>Il est donc primordial de prot\u00e9ger les cr\u00e9ations sur le plan de la propri\u00e9t\u00e9 intellectuelle avant de les diffuser sur les plateformes de crowdfunding.<\/p>\n<p>&nbsp;<\/p>\n<p>Salom\u00e9 GARLANDAT<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les entreprises ne parviennent pas toujours \u00e0 se financer dans des conditions favorables, ce qui peut compromettre leur p\u00e9rennit\u00e9 ou freiner leurs initiatives. C\u2019est en partant de ce constat et gr\u00e2ce au d\u00e9veloppement des nouvelles technologies que la finance participative ou \u00ab\u00a0crowdfunding\u00a0\u00bb s\u2019est d\u00e9velopp\u00e9e et connait un v\u00e9ritable essor. &nbsp; Aujourd\u2019hui, le financement participatif se&hellip;<\/p>\n","protected":false},"author":22,"featured_media":9531,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[166],"tags":[],"coauthors":[143],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ce qu\u2019il faut savoir sur le crowdfunding - AGIL&#039;IT<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.agilit.law\/private-equity\/quil-faut-savoir-crowdfunding\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ce qu\u2019il faut savoir sur le crowdfunding - AGIL&#039;IT\" \/>\n<meta property=\"og:description\" content=\"Les entreprises ne parviennent pas toujours \u00e0 se financer dans des conditions favorables, ce qui peut compromettre leur p\u00e9rennit\u00e9 ou freiner leurs initiatives. 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