Debitum Investments: crowdlending for French investors
A side-by-side analysis of Debitum Investments, Mintos, Maclear and PeerBerry for French investors looking to diversify across European crowdlending.
The appeal of crowdlending continues to draw more and more French investors. The European platforms most often tracked by French investors include Debitum Investments, Mintos, Maclear and PeerBerry.
Key platforms for crowdlending from France
Debitum Investments
- Model: P2B — loans granted to businesses through loan originators
- Regulation: Latvian financial supervisor
- Yield: between 12% and 15%
- Protection: buyback guarantee that typically kicks in after 90 days past due
- Strengths: regulated structure as a European investment firm
- Risks: dependence on originators, company default, no guarantee on invested capital
Mintos
- Model: the largest P2P platform in Europe
- Regulation: MiFID II (Latvia)
- Products: broad range (loans, bonds, real estate)
- Yield: between 8% and 14%
- Active secondary market
- Strengths: strong diversification across many originators and European countries
- Risks: structural complexity, currency risk, secondary-market liquidity
Maclear
- Model: P2B backed by real assets — Switzerland-based platform financing European companies
- Yield: between 13% and 16%
- Duration: shorter than on other platforms (6 to 16 months)
- Protection: provision fund covering late payments
- Strengths: safeguards thanks to the assets pledged against the loans
- Risks: direct exposure to the funded project, recovery risk, lower liquidity
PeerBerry
- Model: consumer credit and business loans
- Yield: between 9% and 11%
- Protection: buyback guarantee on most loans
- Simple interface, very low minimum ticket
- Strengths: straightforward platform, stability
- Risks: loan concentration on a handful of partner companies, dependence on originators
Comparing the platforms
| Criterion | Debitum Investments | Mintos | Maclear | PeerBerry |
|---|---|---|---|---|
| Model | P2B via originators | Multi-asset | Asset-backed P2B | P2P / consumer |
| Yield | 12–15% | 8–14% | 13–16% | 9–11% |
| Protection | Buyback (90 d) | Varies | Collateral + fund | Buyback |
| Minimum ticket | €10 | €50 | €50 | €10 |
| Region | EU | EU | Europe | EU |
None of these platforms offer a guarantee on the capital contributed by investors.
A preferred strategy for a French investor
- Spread funds across 2 to 4 platforms
- Pick 3 different models: buyback, multi-asset, collateralised
- Cap the crowdlending allocation at 10% to 20% of total wealth
- Review financial reports and originator health on a regular basis
In 2026, Debitum Investments may appeal to French investors looking to finance European businesses through a regulated P2B model.
For effective crowdlending, do not concentrate on a single platform:
- Mintos delivers broad diversification
- PeerBerry offers a simpler platform with buyback guarantees
- Maclear offers projects backed by real assets
The point is not to favour one platform over another, but to build an efficient and balanced allocation aligned with your own investment goals.