SUMMARY
Team :
- CEO = Malthilde Iclanzan
- President du conseil d’administration = Nicolas Seres
WiSEED is a crowdfunding platform that offers opportunities to invest in the equity of SMEs as well as provide loans to businesses, real estate developers, and property traders. Based in Toulouse and operational since 2009, it also features projects in the Occitanie region. Initially focused on startup funding, the platform has shifted its emphasis to real estate crowdfunding, which has become its core activity, hosting 2-3 projects per week.
One of WiSEED’s strengths is its transparency, providing investors with detailed information about projects and the companies seeking funding. This includes three years of financial ratios for each company. Additionally, each project has a dedicated forum where users can ask questions to better understand the investment. While occasional errors or vague responses can appear, the overall level of transparency remains commendable.
The platform requires a minimum investment of €100 and boasts a low default rate of 0.22%, making it an attractive and reassuring option for new investors in crowdfunding. WiSEED is authorized as an Investment Services Provider by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) and is a member of the Financement Participatif France association.
Investment Opportunities
WiSEED offers a range of investment options in sectors such as:
- Real Estate: With annual returns estimated at 8%-11% and moderate risk, the investment horizon is 18-36 months.
- Energy Transition: High-risk investments with returns depending on the chosen instruments; the investment term ranges from medium to long-term.
- Health and Food: High-risk options with varying returns based on the chosen instruments, suitable for medium to long-term horizons.
- Diversified Funds: Offering estimated annual returns of 2.5%-7% with moderate risk and medium to long-term investment horizons.
Since its inception in 2008, WiSEED has raised approximately €412 million and has a community of over 197,000 members.
Real Estate Crowdfunding Focus
WiSEED has extensive experience in evaluating and managing projects. The platform offers a variety of real estate opportunities, including:
- Classic property trading projects (e.g., refinancing, subdivisions, buy-and-sell strategies)
- Numerous property development projects managed by highly experienced developers
Interest payments vary depending on the project and may be distributed monthly, quarterly, annually, or as a lump sum. This flexibility makes it an effective way to build a steady income or reinvest earnings regularly.
While WiSEED’s returns may be slightly lower than some competing platforms due to a 0.9% fee charged at the time of investment, the net returns often exceed 9% annually after fees. The platform also provides a comprehensive portfolio interface that includes:
- Subscription documents
- Personalized repayment schedules
- Quarterly reports
- Project updates
It’s worth noting that projects may take several days or weeks to reach their funding goals. However, WiSEED’s frequent project postings enable investors to diversify across a wide range of types and locations.
Pros
- 100 euro entry fee
- Lots of opportunities with 2 projects per week
- Variety of project geographically speaking
- Lots of detailed financial information about the projects
Cons
- Risk of loosing the capital
- Investments tied up for 12 to 48 months
- Late finishing above the market average
- Certain projects seem very risk