Prexem: a good investment and a guaranteed opportunity

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prexem

 

During this test and advice, I find a platform shift, prexem, its particularity? There are protection funds that guarantee a portion of your capital.

Sommaire

Description

Given the growing interest that the public towards the crowdfunding, it is normal that a growing number of platforms are born. However, based on the observation that individuals have no access to investment in SMEs small and they are cautious with respect to risk. Prexem on looking for the solution.

The Prexem platform saw the day in 2014 and was launched officially on 18 may 2015 by two professionals, Valery Giard and Christophe Puyo.

It's a real adventure than the birth of prexem, an adventure of two friends who met on the ESSEC benches at the end of the 20th century and that after spending fifteen years in finance, Paris London and NY decided to launch completely in this new concept.

Prexem is so thanks to Valery Giard and Christophe Puyo and their desire to modernize the financing in France, Prexem is the result of a desire to offer a new alternative of financing to small – French SMEs and new investment for investors with a return – risk optimized.

Naturally, Prexem is entered in the register of ORIAS as an intermediary in crowdfunding (IFP) under the registration number 14006228. She uses the services of LemonWay for the management of financial flows.

The concept of Prexem is unique, in fact they are the first in France to have a platform of loans with a protection in case of default of companies Fund. Plus the loan's former, more it is secure as the amounts guaranteed funds increase.

Become a lender on Prexem

button interested

Bonus: € 20 with an initial investment

or by filling your coupon ZWWP6BDR number in your personal space Prexem at the end of your registration.

If the coupon or link no longer work, leave a comment on the prexem card, I put a new.

 


Prexem allows each individual to lend to the TPE/PME simply and offers French companies the possibility of funding quickly and directly from individuals. As a lender, you can pay from 20 euros to companies (maximum1000€ per project) and no management fees. The rate is when it calculated directly by Prexem, he n´a no system d´encheres, once the loan finished l´ensembles of providers validate the loan.

In consideration of your loans you get compensation from your savings up to 10% (annual).

You also enjoy the Fund protection Prexem which can offset all or part of any capital losses in the case of a default of the borrower, c´est there any l´originalite of Prexem.

Investors

Why become a lender at prexem?

You participate in the revolution of crowdfunding

Crowdfunding is a gigantic wave that breaks in the financial world. A revolution and it is an opportunity to get into it with to be trolling.

It is you who choose

Have a choice and not have to depend on the goodwill of the Bank, this is the spirit of crowdfunding, it's your money, and it is you who decide where to go.

Rates from only € 20

With only €20 for an initial investment, anyone can invest easily and effortlessly.

Really popular

Anyone can easily invest in prexem

Easy diversification

As the projects are at € 20, with only €200 can already diversify in 10 companies, this is really interesting as allocation of risk.

Get returns up to 10% per year

What actually earn money rather than letting it sleep in a booklet any.

Monthly payments

Every month, you receive a part of your capital plus interest on the remaining capital.

Protection fund

The protection fund is aimed to offset all or part of the capital losses of the lender in the case of a default of the borrower, it's something unique in France. It allows therefore to limit the risk for lenders, and it's really important.

Toll free

And Yes with or without, it changes everything in your compensation. While a background any will take you a few percentages on your entry, management fees. The difference in the end with or without is very important. Here, at prexem, everything is transparent, there is no charge, simply.

FAQ investors Prexem

Protection fund

The protection fund is aimed to offset all or part of the capital losses of the lender in the event of a failure of the borrower (pronunciation of the forfeiture of the term by Prexem). It allows to limit the risk to lenders.
The protection fund is in no way a guarantee for the lender to recover
are potentially lost to them in the event of default of the borrower.
The amounts recovered are based:
  • The level of risk of the project, which will be presented to lenders before any funding in the form of a score (A +, A, B +, B, C).
  • The amount of protection (unimpaired) calculated and shown to lenders in each project page on the Prexem site. This is the maximum compensation in the event of a default by the borrower, amount owned collectively and exclusively to the lenders of the project concerned.
  • Of the principal outstanding at the time of default.
  • Available amount in escrow at the time of the default.
Example of a project of 100,000 euros on 24 month noted has, which would have an amount of 27 778 euros coverage: an individual who lends 300 euros was 27.8% of its capital protected by the protection fund from the beginning of the loan, 50% after 12 months and 100% at the end of 18 months, subject to the sums available in the protection fund.

Important:

The amount of protection will receive the lenders may be in no case later than the remaining principal due at the time of the pronunciation of the forfeiture of the term.

Prexem protection fund to pay back up to 100% of the principal outstanding in case of default of the borrower.
All borrowers feed this protection fund which is BNP Paribas in an escrow bank account. This Fund is unlocked in case of default in 60 days at the time of the default.
For each project, Prexem analysts determine the amount of coverage dedicated to this project.

Coverage that evolves over time

The amount of protection to a project is constant in time. The loan is amortized, the percentage of the capital covered by the protection mechanically increasing each month.

Concrete example:
A loan of 50 000 euros on 24 months with an amount of protection of 13 889 euros, the capital covered by the Fund in the event of default is 27.8% the first month, this coverage increases as the borrower repays, in the fourteenth month of the loan, the amounts still due are covered at 60% and over 90% the eighteenth month by the protection fund Prexem.

Here is the table of payments from an individual paying 300 euros to 6.8% in this project:Blog-simulation-project

Lenders FAQ

A t-there the conditions to be eligible as a lender on Prexem?

Lenders must be major and french tax residents initially.

 How do you lend?

After you create your Prexem account, you can directly select the project on which you wish to invest between 20 and 1,000 euros per project.
On the other hand, there is no limit on the total amount of your portfolio on the Prexem platform.

How to open an account?

To lend up to EUR 200 you must complete your profile by filling in your personal information.
To start lending to businesses, you must go to your "dashboard" and credit your account either by credit card, or transfer the amount and clicking on "file". You must deposit minimum 100 euros.

To lend beyond 200 euros you must provide your credentials, home (of less than 3 months), as well as your bank account number in pdf or jpg format. Prexem ask you these elements in order to combat money laundering and to respect the legal framework of the loan between individuals and companies.

When your account is validated by Prexem you are notified by e-mail. Now you can pay as much as you want, within the limit of 1,000 euros per project.

How to transfer money from my Prexem account to my bank account?

To transfer an amount from your account Prexem to your regular bank account, Prexem needs your RIB.

How can I pay?

You can pay as much as you want within the limit of EUR 1 000 per project. However we recommend not only lend money that you do not need immediately.

Example: you have 60,000 euros of revenue per year and your expenses amount to € 30,000 (expenses common, loans, taxes, etc.). So you have 30 000 euros of savings capacity. You can then decide to invest half of your savings available in the French small business loans.

It is a virtuous investment and we recommend to spread the risk on several projects: for example by lending EUR 150 on 100 different projects. You thus have a diversified portfolio and you limit the risks involved in the investment.

 Can I lend to as many projects as I want?

Yes. Prexem also advise you to diversify your investments as much as possible to limit your individual risk of exposure to a project.

 When am I paid?

You will be refunded monthly a fraction of capital and interest for the duration of the loan.
This money collected each month can then be reinvested in other projects to boost your savings.
In case a borrowing company wants to enable its early repayment clause, you receive on your account the amount of the remaining capital.

How is the interest calculated?

Loans issued by companies and underwritten by lenders on the platform are depreciable fixed interest rate loans. The fraction of interest being more important initially, it decreases over the repayment of capital.

What taxation applies to interest income?

Interest income are considered as fixed income investments. Default Prexem apply so no withholding of 24% in the form of a tax deposit (plus 15.5% of social security contributions).
If the total amount of interest earned annually exceeds 2,000 euros, progressive rates of income tax applies.
Prexem will provide a Unique Fiscal print (IFU) help you to declare income received on the platform.

How can I be sure not to lose my money?

Lending risk of default and requires an asset of his savings. Prexem encourages you to spread your loans and lend that money that you do not need in a near horizon.
The borrower agrees formally and legally to repay the amount that will be lent him to the risk of incurring lawsuits.
In case of default, Prexem will activate its protection fund which will allow lenders to recover all or part of the principal outstanding under certain conditions.

How Prexem selects the best projects?

The selection of records is a rigorous three-step:
(i) audit of the financial items via our partner Altares (network Dun & Bradstreet);
(ii) we evaluate then quantitatively using an algorithm owner risk of the project to determine objective performance to the lender;
(iii) Finally, our Department credit analysis, after having discussed in depth with the borrower, conducts the final validation before introduction on the site.

How does the Prexem score?

Prexem will assign a score to each of the projects presented on the platform. This score will reflect the strength of each of the files.
For each score, an index of solvency of the project funding is associated with, as follows:
Score A + A B + B C
100% credit rating – 98.8% 98.8% 97.6% 97.6% – 96.4% 96.4% – 95.2%, 95.2%

Why Prexem fixed rate?

It seems particularly difficult to ask lenders to analyze credit in detail and on each project. Prexem brings you its expertise in this area.
Lenders interested in the project know that their offer will be accepted as the total sum is assembled, unlike the auction system where their participation is conditional on the chosen rate.

Set the rate to transfer the funds to the company as soon as the requested loan amount is reached.

What happens in case of delay of refund?

The lender will be notified immediately by email and Prexem will try to advise the borrower to find solutions to the refund of this deadline. It will then 7 days to regularize the situation.

If this adjustment is not made, Prexem will send the borrower a formal notice to regularize the unpaid within 15 days.

After this time, in the name and on behalf of the lenders, Prexem will have the possibility to take advantage of the immediate payment of the loan principal and interest (pronunciation of the forfeiture of the term).

Prexem will then activate its protection for lenders Fund within a period of 60 days after finding by Prexem to pay all or part of the amount due.

How does the Protection Fund?

The protection fund is aimed to offset all or part of the capital losses of the lender in the event of a failure of the borrower (pronunciation of the forfeiture of the term by Prexem). However, it cannot be considered as a guarantee for the lender to recover potentially lost money in case of default.

For each project presented on the platform, Prexem will indicate solvency index estimated for the project concerned and the amount of protection resulting.

The lender will be compensated from the activation of the protection fund by Prexem and within the limits of the money available in the Fund at the time of activation.

The amount of protection is a fixed amount from the presentation of the project. Once it has started, your capital is therefore more protected as the monthly repayments.

Example of a project of 100,000 euros over 24 months noted has having an amount of protection is euros 27 778: an individual who lends 300 euros is 28% of its capital protected by the protection fund from the beginning of the loan, 50% after 12 months and 100% at the end of 18 months, subject to the sums available in the protection fund.
16. Are there fees for the lender?

None.

 There was a tax benefit to invest?

Since January 1, 2016, on Prexem, in case of default of a borrower, any capital losses can be deducted from the taxable amount of interest in the context of other loans under the same conditions, so others loans via crowd funding. The amending finance law for 2015 allows this deduction which will be possible for the income year in which the debt became uncollectable, or, by report, during the next 5 years.

Which legal document attests to the existence of the loan?

Each lender will be able to find, in the legal tab of each project to which he participated, the copy of the contract signed by the borrower as well as its underwriting document personal. See following link for a sample contract

How does the subscription of the loan period?

Each lender the amount he wishes to lend on a project for a previously defined period and at a rate fixed by Prexem. The sums are aggregated continuously until the amount requested by the borrower is reached. At that moment, the subscription period is closed and funds are then transferred to the borrower.

What happens if Prexem goes away?

Your money is in no way owned by Prexem but on cantonment at BNP Paribas accounts, managed by Lemon Way, our provider of Service of payment (PSP) approved by the authority of control Prudentiel and Resolution (PTAS). Financial flows and in particular subscribed loan repayments will continue to be held until their maturity, regardless of Prexem.

What happens if the amount is not met?

If the project unites not enough lenders at the end of the period of presentation of the project and in the absence of extension of this period, the loan is canceled and money back on your Prexem account so that you can reinvest it on other projects. However, Prexem may extend the period of presentation of the project in order to allow the community of lenders to meet the requested amount.

Borrowers

Why borrow?

Today you need money, but as you are a small business, the Bank does not sufficiently consider you. As for her you are of small and medium-sized enterprises.

With crowdfunding, however you can have a new source of funding which presents an alternative and significant benefits.

You don't dilute the capital

You borrow from private individuals, so you're in a loan, you keep the reins of your company.

Fast funding

Borrowing from a bank is often tedious and can take several months. On Prexem, it is much simpler. As soon as your project is validated, it is presented on the site.

Lenders can lend directly. As soon as the project is funded (maximum 30 days), you receive the funds immediately.

In a good way

You borrow from Mr. and Mrs. everybody, your future customers, your possible suppliers and can be the first ambassadors of your brand.

The interest you pay contribute directly to the purchasing power of individuals.

No warranty, no deposit

Prexem ask you guarantee or pledge of assets or personal surety. Borrow on Prexem it's borrowing in remaining free.

Rates are not fixed by lenders, but by professionals Prexem. The rate of your loan is based on the risk factor, but he also respects your project.

You follow the rate of filling of your loan in full transparency and experience the success of your project with individuals.

This makes the pub

Borrow directly from the public is a form of free advertising.

Fund seekers FAQ

Who can borrow?

Any legal person registered in France and having at least a closed fiscal can borrow on the Prexem platform. The borrower must justify a turnover to a minimum of 100,000 euros, do not be a sole proprietorship and present positive equity.

How much can I borrow?

Companies can borrow between 10,000 and 500,000 euros.

What are the terms of loans offered?

The loans have a maturity that may range from 1 year to 5 years.

At what rate is that I borrow?

The rates are set by Prexem. They vary depending on several criteria including the duration and the financial health of the company. Our algorithm contributes to the definition of this rate from many macro and microeconomic data.

The Prexem platform requires guarantees?

No, no guarantee is requested to the borrower. However, it formally undertakes to repay the amount borrowed and the associated interests.

What documents do I need to provide?

To be eligible the borrower must present at least a balance sheet. He must simply learn his SIREN number, the amount and duration you want on the site.
If the project is selected, a proof of identity and residence of the ruler valid, proof of delivery of the company, the last tax return, KBis and the statutes of the company and the bank statement of the company, will be requested.

How long does take to receive the amount requested?

Of loans will be posted on the site over a period of 30 to 60 days to convince lenders to the merits of the project.
The borrower receives the funds requested from the finalization of the financing.

 How is the refund?

Each month the borrower repays interest and principal. Payments are pre-authorized.

Can I make a prepayment?

Yes, at any time the borrower can make a prepayment. He will then pay only the repayment of capital and interest calculated in proportion to the days since the last deadline for refund.

 Can I make multiple loans?

Yes. The borrower will be able to take out a new loan as soon as the previous funding will be finalized within the legal limit of one million euros by development project (and not by company).

 What my company's own information online?

A brief description of the company and the project will be publicly visible on the platform. Financial information will be disclosed only to lenders who have finalized their registration on the Prexem platform.

What happens if the desired amount is not fully covered by the lenders?

Except in exceptional cases of continued funding approved by Prexem, the amount will not be returned to the borrower. The project will then be closed.

What happens if I have a problem to repay?

It is strongly recommended to contact us as soon as you anticipate a problem of repayment.

How are refunds?

You don't have to do anything. The refund will be monthly pre-authorized to repay capital and interest to the lenders.

Are there fees for the borrower?

Prexem takes a commission of 3% HT of the amount borrowed (only if your project is funded) and 1% of the due remaining capital (refund management service).

Under its protection fund, 0.5% of the amount borrowed will be transferred to an escrow account which is collectively owned by lenders.

Other information on prexem

 

Sponsorship

You have lent to a project in order to invite a downline. The sum is paid as soon as the first Godson loan is funded. The Godson loan must be made within the limits of validity of the coupon of sponsorship. Offer reserved to 1 000 first godchildren registered on Prexem. It is possible to sponsor only 5 referrals/month

€10 to the sponsor, 10 to the downline

Become a lender on Prexem

button interested

Bonus: € 20 with an initial investment

or by filling your coupon ZWWP6BDR number in your personal space Prexem at the end of your registration.

If the coupon or link no longer work, leave a comment on the prexem card, I put a new.

 

Information about payments

€100 are needed at d´un deposit, but €20 only are required to make an offer.
The means of payment on the Prexem site are:
• Credit card
• Minimum deposit: 100 euros

 

Who is prexem? Security question

THE SERVICE EDITOR

SCPME, joint-stock company simplified with a capital of 118.452 euros registered in the register of trade and the companies of Nanterre under the number: 803 533 322

Siren: 803 533 322
Intra-Community VAT identification number: FR16 8035 33322 00019
Head office and address mail: ESSEC business school Executive Education, Essec Ventures, CNIT Paris La Défense, 2, place of defence – BP 230, 92053 Paris La Défense Cedex
Phone: 01 85 09 14 70

The site prexem.com is published by the company SCPME
Director of publication: Christophe Puyo, in his capacity as representative of society.

SCPME is an intermediary in crowdfunding, registered under the number plate ORIAS 14006228. ORIAS is the body for the single register of insurance intermediaries, banking and finance (ORIAS), an association governed by the law of 1 July 1901 whose statutes have been approved by order of the Minister of the economy of December 20, 2012 and whose headquarters is located at 1, Jules Lefebvre 75331 Paris cedex 09 Street.

THE SERVICE HOST

This site is hosted by: OVH SAS
Street address 2 Kellermann BP 80157, 59100 Roubaix
Tel: 09 72 10 10 07

 

Team

We have the squad list, we're less we know who we have to do. It's a nice touch.

Valery Giard President

prexem valery giard

A graduate of ESSEC, Valéry has 15 years of experience in Finance in New York, London and Paris. It was investment banker in mergers & acquisitions and trader on the stock market.

Christophe Puyo director general

prexem Christophe Puyo

A graduate of the ESSEC and physical sciences, Christophe has 15 years of experience in financial analysis in London and Paris. He was also contractor repeatedly.

Eric Soldati Technical Director

prexem Eric Soldati

A graduate of Paris-Dauphine, Eric is an expert in CRM, Business Intelligence and Internet technology for more than 15 years. He is also a successful entrepreneur.

Rodolphe Krauss responsible for web marketing

prexem Rodolphe Krauss

A graduate of ESCP Europe, as well as in political science and history, Rodolphe evolving marketing including more than 6 years in digital and e-commerce.

Mathieu Laurent credit analyst

prexem Mathieu Laurent

Graduated with a Master 2 banking and Finance of the University of Rennes 1, Mathieu specializes early in his career in credit analysis. For several years, it assists companies in their financing needs.

Cecilia Feller artistic director

prexem Cecilia Feller

A graduate of Sup de Pub of a bachelor in creative advertising, Cecilia specializes in digital creation, from design to art direction.

 

Who's prexem?

I found many sites or partners of Prexem,

Partners:

Deloitte's big fish for example.

prexem crowdfunding crowlending partners

Mentions in the press

 

Test and reviews on the site of crowdfunding Prexem

Interesting concept that stands out from the competition. so I made an entry on the site to see if the concept is interesting, and indeed it is interesting. I love this idea of protection funds, however funds have to inconvenience of being better at the end of loan, off the risk is already lower end of loan because you already have a refund of the biggest part of your capital. It is also completely different from mintos or twino which guarantee everything.

Registration

Registration is very classic, but a rib a proof of residence and identity card. Nothing too bad.

 

Protection, more info

Here is according to the statistics page to 09/04/2016

crowdfunding crowlending prexem investment statistics

Protection Fund (amount available / amounts of Protection communicated) 16.38% (30 645 / 187 134)

I therefore ask myself questions at the level of the guarantee, how much is guaranteed… I guess if all loans make 16% defects are recovered, but if it is 1 or 2% full is recovered, to be confirmed by prexem.

example on a project

prexem crowdfunding crowlending example of a project 4

The amount of protection Prexem to preserve the interests of lenders is 2 657 euros on the development project. knowing that the project borrows € 20,000

And if the loan fails at the start? UM.

However a mature project will have better protection. That's because the distant future is uncertain and this dope long projects because they are better protected.

Let us even quanf that this does not protect against a massive bankruptcy of SMEs, I wish just to make it clear even if the risk is minimal. Finally same mintos and others can all guarantee massive bankruptcy.

 More information on the protection, because it is an important point

http://blog.prexem.com/

In the world of the crowdlending, or the participatory loan in good french financing, the risk is carried by the lender. In other term in case of default of the borrower, the lender is the player who loses the most in this relationship. At Prexem, we believe that each lender is entitled to protection for their savings. It's normal not?

How does it work?
Prexem protection fund to pay back up to 100% of the principal outstanding in case of default of the borrower.
All borrowers feed this protection fund which is BNP Paribas in an escrow bank account. This Fund is unlocked in case of default in 60 days at the time of the default.
For each project, Prexem analysts determine the amount of coverage dedicated to this project.

Coverage that evolves over time

The amount of protection to a project is constant in time. The loan is amortized, the percentage of the capital covered by the protection mechanically increasing each month.

Concrete example:
A loan of 50 000 euros on 24 months with an amount of protection of 13 889 euros, the capital covered by the Fund in the event of default is 27.8% the first month, this coverage increases as the borrower repays, in the fourteenth month of the loan, the amounts still due are covered at 60% and over 90% the eighteenth month by the protection fund Prexem.

Here is the table of payments from an individual paying 300 euros to 6.8% in this project:

Blog-simulation-project

The main menu

prexem crowlending dashboard investment crowdfunding

A clear menu, most of the information, how we win, how much is left of capital there. Only missing information, it is the amount of loans?

In addition to distinguish this year of last year a detail by year at unilend may be welcome. Well at least we know precisely where one is in investments. More I love the bar showing where we are loans. It is extremely convenient.

prexem crowdfunding crowlending dashboard investment 2

And in version detailed

prexem crowdfunding crowlending dashboard investment 3

The menu of investments

prexem crowdfunding crowlending menu of available projects

A well done and clear, very classic menu. Personally I find that it looks like the ex finsquare not? In fact, I think that the projects are presented in the same way on all platforms, because either they use the same software, either they have found it's present or both. Tell me, rate investor it is clear.

Focus on a project

 

prexem crowdfunding crowlending example of a project 2
Presentation of the company created in 2011 in Bordeaux, Elyce Services (6 employees) initially specializes in the transport of folds and small packages (bags, letters, cheques… covers), especially for banks and insurance. This activity is organized in regular visits to towns such as Agen, Toulouse, Pau, Niort and towers. In February 2015, in order to diversify its activity, the company launches market delivery of stores (Petit Bateau, cameo, Brice, Yves Rocher…) which now represents 40% of the turnover (compared with 60% for the delivery of transport of folds). Since October 2015, after being awarded a contract with Viapost Management (logistics service of the post office), Elyce Services also makes the delivery of the parcel between post offices and sorting of Cestas in the gironde. The society works full outsourcing of large groups such as TCS (35% of the turnover), Geodis-Calberson, Henri Ducros transport Viapost Transport Management… To do this, it relies on a fleet of 15 vehicles ranging from the utility to the van. Presentation of the project the company wishes to borrow 20 000 euros to the community of lenders Prexem to finance the acquisition of 3 stackers auto-embarques (System for transporting hoist with load palette) in order to use easier and more versatile way to store delivery fleet. Most of the project: supporting the project of Elyce Services, you allow a strong development partnership to establish its presence on the market of the traffic light. Why we will refund? Our self-financing capacity (CAF) of 34 618 euros for the year 2015 is greater than the total repayment charge (22 309 euros), including the loan of 20,000 euros to the community of lenders Prexem. On the other hand, the acquisition of auto-embarques stackers will allow to increase the rate of use of vehicles and therefore to achieve a greater number of deliveries.

 

Presentation of the company

Created in 2011 in Bordeaux, Elyce Services (6 employees) is specialized initially in transportation of folds and small packages (bags, letters, cheques… covers), especially for banks and insurance. This activity is organized in regular visits to towns such as Agen, Toulouse, Pau, Niort and towers.

In February 2015, in order to diversify its activity, the company launches market delivery of stores (Petit Bateau, cameo, Brice, Yves Rocher…) which now represents 40% of the turnover (compared with 60% for the delivery of transport of folds).

Since October 2015, after being awarded a contract with Viapost Management (logistics service of the post office), Elyce Services also makes the delivery of the parcel between post offices and sorting of Cestas in the gironde.

The society works full outsourcing of large groups such as TCS (35% of the turnover), Geodis-Calberson, Henri Ducros transport Viapost Transport Management… To do this, it relies on a fleet of 15 vehicles ranging from the utility to the van.

Presentation of the project

The company wants to borrow 20 000 euros to the community of lenders Prexem to finance the acquisition of 3 stackers auto-embarques (System for transporting hoist with load palette) in order to use more easily and more versatile way to store delivery fleet.

Most of the project:

By supporting the project of Elyce Services, you allow a strong development partnership to establish its presence on the market of the traffic light.

Why we will refund?

Our self-financing capacity (CAF) of 34 618 euros for the year 2015 is greater than the total repayment charge (22 309 euros), including the loan of 20,000 euros to the community of lenders Prexem.

On the other hand, the acquisition of auto-embarques stackers will allow to increase the rate of use of vehicles and therefore to achieve a greater number of deliveries.

prexem crowdfunding crowlending example of a project
The leader I'm Charbel Yves CHAMHA, leader of Elyce Services (Siren: 530 462 670) that I created in 2011. After working with some banks as a computer scientist, I decided in 2010 to get into the adventure of entrepreneurship after a year of study and market analysis regarding the delivery of the Bank effects. Only at the start and in view of the satisfaction of our partners and principals, we expanded the structure in 2014 by recruiting staff and by diversifying the type of delivery as soon as early 2015. Today, the figures encourage us to keep our spirit of innovation in the delivery in order to retain our customers and help them make new contracts that we will deliver for them. The will of Governments to limit more access for heavy trucks in downtown is an advantage for us with vehicles adapted to perform the delivery of the "last kilometer".

The leader

I'm Charbel Yves CHAMHA, leader of Elyce Services (Siren: 530 462 670) that I created in 2011.

After working with some banks as a computer scientist, I decided in 2010 to get into the adventure of entrepreneurship after a year of study and market analysis regarding the delivery of the Bank effects.

Only at the start and in view of the satisfaction of our partners and principals, we expanded the structure in 2014 by recruiting staff and by diversifying the type of delivery as soon as early 2015.

Today, the figures encourage us to keep our spirit of innovation in the delivery in order to retain our customers and help them make new contracts that we will deliver for them.

The will of Governments to limit more access for heavy trucks in downtown is an advantage for us with vehicles adapted to perform the delivery of the "last kilometer".

prexem crowdfunding crowlending example of a project 3
Income statement (in EUR) 2015 2014 turnover 608 211 133 049 surplus crude of operation 38 842 6 199 in per cent of turnover 6.4% 4.7% operating income 34 575 6 023 in % of turnover 5.7% 4.5% result Net 29 817 4 238 in % of turnover 4.9% 3.2% (CA) turnover of the company is in strong progression from 133 049 euros in 2014 to 608 211 euros in 2015. At end of June 2016, the release was 397 895 euros against 230 361 euros on the first 6 months of the previous year (+ 72.7%). The CA expected for the full year 2016 is about 800,000 euros. The gross operating surplus (38 842 euros) has been multiplied by 6 from 2014, representing a margin of 6.4% (+ 1.7 points). Operating income was 34 575 euros (5.7%). The net result increased from 4 238 euros in 2014 to 29 817 euros in 2015 or a net margin of 4.9% (+ 1.7 points). The company demonstrates its ability to grow strongly while controlling its costs. Balance sheet – Assets (in euros) 2015 intangible – tangible capital assets 17 333 financial assets 4 200 Stocks – customers 205 269 other receivables 10 152 availabilities and equivalent 27 410 TOTAL assets 264 364 balance sheet – liabilities (in EUR) 2015 equity 51 233 Provisions – financial debt 19 592 debt providers 29 108 other liabilities TOTAL liabilities 264 364 Note 164 431: the 19 592 euros in financial liabilities include 16 561 euros in debt medium-long term and 3 031 euros to accounts currents of associates. Customers and other liabilities include each amounting to 58 508 euros, sale in February 2016. Analyzes financial loan repayments annual (current and future) *: €22 309 (CAF) self-financing capacity: €34 618 CAF > refunds: Yes return on capital invested: 77.5% return on invested capital > borrowing cost: Yes * including credit Prexem

 

Income statement (in EUR)

2015 2014
Turnover 608 211 133 049
Gross operating surplus 38 842 6 199
in % of turnover 6.4% 4.7%
Operating result 34 575 6 023
in % of turnover 5.7% 4.5%
Net result 29 817 4 238
in % of turnover 4.9% 3.2%

(CA) turnover of the company is in strong progression from 133 049 euros in 2014 to 608 211 euros in 2015.

At end of June 2016, the release was 397 895 euros against 230 361 euros on the first 6 months of the previous year (+ 72.7%). The CA expected for the full year 2016 is about 800,000 euros.

The gross operating surplus (38 842 euros) has been multiplied by 6 from 2014, representing a margin of 6.4% (+ 1.7 points). Operating income was 34 575 euros (5.7%).

The net result increased from 4 238 euros in 2014 to 29 817 euros in 2015 or a net margin of 4.9% (+ 1.7 points).

The company demonstrates its ability to grow strongly while controlling its costs.

Balance sheet – Assets (in euros)

2015
Intangible fixed assets
Tangible capital assets 17 333
Financial fixed assets 4 200
Stocks
Customers 205 269
Other receivables 10 152
Availability and equivalent 27 410
TOTAL ASSETS 264 364

Balance sheet – Liabilities (in EUR)

2015
Equity 51 233
Provisions
Financial debt 19 592
Payables 29 108
Other debts 164 431
TOTAL LIABILITIES 264 364

Note: The 19 592 euros of financial debts include 16 561 euros in medium-to long-term debt and 3 031 euros in current accounts of associates. Customers and other liabilities include each amounting to 58 508 euros, sale in February 2016.

Financial analysis

Loan repayments annual (current and future) *: €22 309 self-financing capacity (CAF): €34 618

CAF > refunds: Yes

Return on capital invested: 77.5%

Return on capital invested > borrowing cost: Yes

* including credit Prexem

prexem crowdfunding crowlending example of a project 4
notice of credit PREXEM financial elements of Elyce Services are characterised by a specific equity ratio / total assets of 19.4% (excluding current accounts of associates), a low financial debt and a strong development activity. Cash flow is greater than the annual repayment of the company management. We issue a notice of favorable credit, retain a hint of solvency of 96.2%, involving a B score. The amount of protection Prexem to preserve the interests of lenders is 2 657 euros on the development project.
notice of credit PREXEM
Financial elements of Elyce Services are characterised by a specific equity ratio / total assets of 19.4% (excluding current accounts of associates), a low financial debt and a strong development activity.
Cash flow is greater than the annual repayment of the company management.
We issue a notice of favorable credit, retain a hint of solvency of 96.2%, involving a B score.
The amount of protection Prexem to preserve the interests of lenders is 2 657 euros on the development project.
So if the draft borrows 20 000 protection is euros 2657 on this case, it seems to me that the amount protect increases as and deadlines. It is rather special because if the project is lacking at the beginning, it was still in the bone.

Beautiful statistics

Prexem a year ago, and beautiful statistics according to this infographic

Prexem_Infographie1an_RVB_300dpi-01

crowdfunding crowlending prexem investment statistics

The default rate is very good compared to the lending rate, especially since there are the funds.

I love

  • the idea of the protection of capital
  • projects
  • the menu
  • The capital protection, unique in France

I do not like

  • Fund, if the project does not initially that's not right. But the idea is good. Mintos guarantee the principal and interest but it is in the countries of the East.

Conclusion of the test and notice of the Prexem crowdfunding platform

A really special case, a more frankly different. The Prexem platform differs from its competitors by its originality. A protection fund makes all the difference.

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