- 12 février 2018 à 13 h 45 min #6068
Prexem is the platform for paid loans to French VSEs / SMEs directly financed by individuals. The platform was founded by Valéry Giard and Christophe Puyo, finance professionals in France and internationally. Prexem is Intermediate in Participatory Financing . The company is controlled by the Prudential Control and Resolution Authority .
Companies can borrow from 10,000 to 500,000 euros over a period of 12 to 60 months. To borrow, a TPE / SME does not need to give a deposit and obtains an eligibility response within 48 hours. The company receives funding in less than 30 days on average. Individuals lend (without any cost) directly to companies from 20 euros and up to 1,000 euros per project and get up to 10% interest per year. Each month, the lender receives the repayment of the loaned capital and interest. In order to secure their investments as much as possible, lenders benefit from the free Prexem protection fund, unique in France, which guarantees them all or part of the outstanding capital in the event of default by the borrower.
Prexem rigorously selects applications for financing thanks to its proprietary algorithm specially developed in partnership with École Polytechnique and its team of credit analysis experts. The platform is open to any natural person for the lenders, and legal person (company) for the borrowers.
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