01
Crowdlending
10 – 12.5%indicative return
Lend to individuals and businesses through regulated platforms. Monthly cashflow, tickets from €10 and secondary markets.
Alternative investing · France & Europe
Crowdlending, real estate & SCPI:investwith method.
I have been testing and comparing crowdlending, real-estate crowdfunding and SCPI platforms since 2017. Unfiltered reviews, verified bonuses and practical strategies to put your capital to work.
- Investing since 2017
- 30+ platforms tested
- Affiliate links disclosed
Sample allocation
4 asset classes, one portfolio
Updated in November 2026Tested by Grégory Chevalier
4classes
- Crowdlending35 %
- Real-estate crowdfunding30 %
- SCPI20 %
- Stocks & ETFs15 %
Indicative return
5 – 12 %
Before tax and losses. No guaranteed return.
Verified bonuses
Up to €100
Platforms reviewed
MintosEstateGuruLouve InvestClubFundingPeerBerryLa Première BriqueRobocashPortefeuille ETF Alpha
The Rendement method
Return is not something you guess.
It is measured.
With alternative investments getting ever more complex, my goal is simple: help you identify the most robust solutions, not the ones that promise the most.
I have been investing my own capital since 2017. Every platform featured here has been opened, tested and monitored. I share the returns, the guarantees, the real fees and the disappointments too. Referral bonuses do not change my criteria: they come on top, never instead of an analysis.
- Start of my personal investments
- 2017
- Platforms tested and documented
- 30+
- Classes: P2P, real estate, SCPI, ETFs
- 4
The 4 asset classes
Diversify without
spreading thin.
Four asset classes, four risk profiles, one principle: understand what you are buying before you click. Each class has its own guide and comparison.
See the 2026 selection02
Real-estate crowdfunding
9 – 12%target return
Finance selected property projects with real security: mortgages, guarantees or pledges.
03
SCPI
5 – 7%target return
Invest in rental property without the management, from €200, with cashback on your subscription fees.
04
Stocks & ETFs
11.5%/yrsimulated CAGR 2000–2025
A dynamic ETF allocation with a crash circuit-breaker. 15 minutes of management a month, no stock-picking.
The returns shown are observed or target ranges, before tax and losses. They are not a guarantee. Real-estate crowdfunding and crowdlending carry a risk of capital loss and illiquidity.
2026 comparison
The platforms I
actually use.
Eight providers across crowdlending, real-estate crowdfunding, SCPI and ETFs — a tight selection. Returns and bonuses are verified as of 1 November 2026. Terms may change.
8 offers shown
Swipe the table to see all columns
| Platform | Asset class | Return | Bonus / benefit | Ticket | Action |
|---|---|---|---|---|---|
M | Crowdlending | 10.5 – 12.5% indicative return | €50 + 1% cashback over 30 days | €50 | |
R | Crowdlending | 10 – 12% indicative return | 1% cashback over 30 days | €10 | |
P | Crowdlending | 9 – 12.5% indicative return | Loyalty +0.5 to 1% per year | €10 | |
E | Real-estate crowdfunding | 10 – 11% historical return | 0.5% cashback over 90 days | €50 | |
C | Real-estate crowdfunding | 9 – 12% target return | €100 from €1,000 invested | €1,000 | |
L | Real-estate crowdfunding | 10 – 12% target return | Welcome via the referral link | €1 | |
L | SCPI | 5 – 7% SCPI target return | Up to 3% cashback on subscription | €200 | |
A | Stocks & ETFs | 11.5%/yr simulated CAGR 2000–2025 | 15 min/month access from €150/month | — |
Indicative rates, before tax and losses. No return is guaranteed.
Verified on 1 November 2026
SCPI · Cashback 2026
Rental property
without the fees.
Louve Invest rebates part of its subscription fees as cashback. On €10,000 invested, the bonus can amount to €250–300 paid directly into your account, depending on the SCPI chosen.
- Up to 3% cashback on eligible SCPIs
- €0 brokerage fees, same unit price
- More than 50 SCPIs: core, European, diversified
- CIF / ORIAS-regulated broker, 100% online
Referral code
GZE2Ek
Affiliate link: the cashback does not change the unit price.
3 %
max. cashback
0 €
brokerage fees
50+
SCPIs
Cashback depends on the SCPI subscribed and the terms in force. SCPIs are not guaranteed: invested capital carries a risk of loss, rents can vary and units are not immediately resaleable. The vesting period delays the first rent payments.
Stocks & ETFs · Premium offer
The stock market, without
giving up your evenings.
The Alpha ETF Portfolio is a dynamic ETF allocation designed to capture uptrends and protect capital during crises. A systematic method, not predictions.
11.5%Simulated CAGR over 2000–2025. Past performance, not guaranteed.
Asset rotation
A monthly relative-strength filter selects the ETFs and asset classes leading the market.
Crash circuit-breaker
When the trend reverses, capital moves to cash or defensive assets.
15 minutes a month
A clear report, ISIN codes and the trades to execute in your own account.
No commitment Secure payment Information service, not personal advice
Simulator
What if you invested for 15 years?
Projected capital
0 €
Total paid in
0 €
Theoretical gains
0 €
Theoretical projection for educational purposes, before tax and fees. It is not a promise of return. Past performance does not predict future results.
Access
€150/month or €1,200/year
The selection
Four filters
before recommending.
A platform can have a beautiful website and a generous bonus without being sound. My framework always starts with risk, never with the advertised return.
Read the full charter01
Strength & regulation
Track record, European licence, balance-sheet structure, country of origin and default history.
02
Real net return
The advertised rate is not enough. I look at fees, late payments, losses and what actually remains in the account.
03
Security & liquidity
Mortgage, buyback guarantee, group guarantee, secondary market: what really protects capital.
04
Transparency & support
Bonus terms, hidden fees, quality of support and clarity of contractual documents.
What I will not do
- Recommend a platform without a licence or verifiable track record.
- Present a past return as a promise of future returns.
- Hide an affiliate link or a conflict of interest.
GC
17Behind the site
Grégory Chevalier
Independent investor & founder of Rendement.top
A freelance entrepreneur since 2000, I have invested my own capital since 2017. I test every platform before writing about it, publish my returns and my mistakes, and refuse recommendations that do not stand up to the numbers.
Investing since 2017 Freelance since 2000 No personal advice
Guides & analysis
Understand before
investing.
Real estate 12 min
Tokenised real estate: the complete 2026 guide (RWA)
How to buy fractions of buildings as tokens, collect rent and assess the real risks of tokenisation.
Read the guide
Crowdfunding 10 min
Real-estate crowdfunding: the guide to guarantees and security
Mortgage, surety, pledge, LTV: the guarantees that genuinely protect your capital in a property project.
Read the guide
Taxation 14 min
Taxation of investments in France: the 2026 guide
P2P, crowdfunding, SCPI, ETFs: what you actually pay depending on the wrapper and holding period.
Read the guideFrequently asked questions
Straight
answers.
Have a question that is not listed? Write to me and I will answer personally.
Ask a questionWhat is crowdlending and what return can I expect?
Crowdlending means lending money to individuals or businesses through a platform. On the platforms I select, indicative returns generally range from 9% to 12.5% a year, before tax and losses. It is not a guaranteed investment: capital may be locked or partly lost in the event of a default.
Are referral bonuses really worth it?
Yes, provided you meet the conditions: minimum deposit, first investment and holding period. A €50 bonus or 1% cashback improves your first-year return. I only list offers with clear terms and I always disclose affiliate links.
How do I choose between real-estate crowdfunding, P2P and SCPI?
Crowdlending prioritises monthly cashflow and capital rotation. Real-estate crowdfunding offers longer terms, often backed by real security. SCPI provides regular rental income with limited liquidity. The right approach is to diversify according to your horizon, risk tolerance and liquidity needs.
What are the risks of these investments?
Default risk, late payment, illiquidity and capital loss. Guarantees (mortgage, buyback guarantee, group guarantee) reduce risk but do not eliminate it. Past performance does not predict future results and no return is guaranteed.
Is the Alpha ETF Portfolio a course or portfolio management?
It is an independent information and ETF allocation signal service. Each month you receive the target allocation and the trades to execute yourself in your own account. It is neither discretionary management nor personalised investment advice. It is a turnkey method to invest in the market in 15 minutes a month.
How much do I need to start investing?
From €1 on some real-estate crowdfunding platforms, €10 in crowdlending, €50 with some providers and €200 for an SCPI. Minimum tickets are shown in the comparison. Start with an amount you can lock away without affecting your emergency fund.
How are the platforms on this site selected?
I check track record, financial strength, regulation, fee transparency, quality of guarantees and liquidity. I add my own experience and update offers regularly. The full criteria are set out in the editorial charter.
Take action
Your capital deserves
better than a savings account.
Compare platforms, check the guarantees, choose your horizon. And if the stock market interests you, discover an ETF strategy that takes 15 minutes a month.