SeaOrbiter Sous Marin
664 KissBankers ont apporté 344 190 € en 90 jours à SeaOrbiter (avec un objectif de 325 000 €).© SeaOrbiter® /Jacques Rougerie


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Nowadays there is a profusion of online platforms offering ways to obtain peer-to-peer loans to launch personal or business projects that would never get off the ground without the help of the Internet community.


The crowdfunding principle is simple enough: you register your project with an online platform and set a target amount and the recompense you are offering in exchange for a financial input. Once the project is alidated, it goes online on an all-or-nothing basis.Crowdfunding has been used to launch a wide variety of initiatives. The project initiator keeps the intellectual property rights. Examples in our region? €3300 to launch Au Grain Près, a grocery store in Marseille selling loose goods (no wasteful packaging) billed by precise weight; €8500 to publish a book of photos, Jean-Louis Garnell, in Marseille; €5000 to open La Nouvelle Mine, a 450m2 space in Gréasque for creativity, upcycling and sustainable development; €6000 for publisher and print works Les Eclairs in Marseille; Localizz (eco-responsible consumption) in Aix, and €325,000 for The Eye of the SeaOrbiter in Marseille.Crowdfunding platforms where individuals can lend directly to other individuals or small businesses to fund personal or professional projects are springing up like mushrooms. For actual business proposals, the company sets the amount, duration and interest rate and the platform (such as Unilend or Lendopolis) opens the offer to lenders. For example, Ibest (Lendopolis) was able to recruit and train more staff to cope with its fast-growing order book (€75,000 over 48 months at 8%).Unlike the US and Britain, in 2014 France issued decrees to regulate crowdfunding and made it illegal to seek foreign investors. European regulations would encourage capital mobility to meet the needs of local projects.