Financement participatif en actions

Crowdfunding: investing in a company you’re a client of, a good plan?

Qonto, Goodvest, Wecasa … In just a few hours, these three companies have amassed millions of their customers. However, it is not the money that matters to them. Or at least not only.

If you are a Qonto, Goodvest or Wecasa customer, you have likely received a message inviting you to participate in fundraising. Because to fund themselves, these three companies have chosen to turn to… their clients. And they are not the only ones. In recent months, the practice has been on the rise, with 101 million euros collected in 2021, compared to 57 million In 2020, any annual growth record of + 77% (1).

Until now group parity, or equity crowdfunding, has been around for years. This method of financing is widespread in the Anglo-Saxon countries. And through a British platform, Crowdcube, Qonto and Goodvest passed. This has more than 1300 operations active. And it has already achieved great successes, such as the success of Finary. Last March, fintech raised 2.17 million euros in 21 minutes From 983 investors.

Qonto is no exception. The leading European company in corporate financial management hopes to raise million euros. At half past six in the morning, harvest five times moreAnd the 1800 customers entered the capital. Success was also on Goodvest’s agenda, which achieved its goal of €250,000 In just two hours, according to company co-founder and CEO Joseph Schwifty.

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It’s not the money that matters to us

A real round in the force. However, it is not the money that matters to the two companies. Or at least not only. We don’t need itsmiles Alexander Prout, co-founder and CEO of Qonto, which has just completed a fundraising record 486 million euros. Goodvest, for its part, has just completed the first round of 2 million euros.

But then, why resort to the collective justice system? We’ve always built our offering with our customers, so it seemed clear to us to allow them to benefit from the fruits of Goodvest’s success, explains Joseph Chouefati. There is also High Stakes of Fame: Our main acquisition channel is clients who recommend us. The contributor’s customer is a more committed and engaged customer.

Crowdcube above all Share solutionNo funding, confirms Pauline Pham, Crowdcube Director for France in Columns reverberation. The companies we work with in France are supported by venture capital funds. They are convinced of the main role he plays Communities in their development.

Moreover, the two companies do not rule out the return of the cover. In light of the success of this participatory fundraising process, and the interest this may represent to our users and to the development of Goodvest, This type of operation is likely to be reproducedAs Joseph Chouefati says.

However, investment funds still have a bright future ahead. This approach does not conflict with traditional fundraising, is complementaryExplains Fanny Knussmann, Head of Brand at Wecasa, a home services platform. It is important for us to be accompanied too institutional investors And the experiences that can bring us Strategic expertiseJoseph Chouefati adds.

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Individuals can take advantage of these transactions to invest in a company they already know well. Our clients can access our fundraising under the same conditions as our popular investors and can expect capital gains In the long term if Goodvest continues to develop well, says Joseph Schwifty.

Entering venture capital for start-ups can be profitable: according to a study by France Invest and Grant Thornton (2)the investment in unlisted companies will pay off 11.7% Average annual return over the horizon of 15 years. This is double what 5.4% of the annual returns served by the CAC 40 index during the same period.

Of course, this practice is not without risk. Because, like any investment, crowdfunding owns equity Capital loss risk. And the 90% of startups go bankruptIncluding 10% in the first year, recalls Claude Calmon, founder of Calmon Partners, a fundraising advisory firm.

But beyond the financial aspect alone, collective ownership is redefining the relationship between businesses and their customers. For our customers, it’s an opportunity Engage in a project they believe inAs Joseph Chouefati believes. It’s also a way Go beyond mere consumer statuscompleted by Fanny Knussmann.

The success of the formula also lies in its simplicity. A few clicks are enough to become a shareholder in these unlisted companies. and the Entry ticket, which are often accessible, allow anyone to take part in the adventure as an investor. Thus, the share price was determined € 1 for Wecasa, 10 euro For Goodvest and 138 euros for Konto.

Why invest in an unlisted company

(1) Crowdfunding France 2021 Scale produced by Mazars for Financement Participatif France.

(2) The thirty-fifth edition of the France Invest and Grant Thornton Barometer on the activity of French players in private equity and infrastructure funds.

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