{"id":62043,"date":"2025-04-15T18:35:50","date_gmt":"2025-04-15T16:35:50","guid":{"rendered":"https:\/\/blog.urbanitae.com\/fournisseur-de-services-de-financement-participatif-fsfp\/"},"modified":"2025-04-25T11:35:30","modified_gmt":"2025-04-25T09:35:30","slug":"fournisseur-de-services-de-financement-participatif-fsfp","status":"publish","type":"page","link":"https:\/\/blog.urbanitae.com\/fr\/glossaire\/fournisseur-de-services-de-financement-participatif-fsfp\/","title":{"rendered":"Fournisseur de services de financement participatif (FSFP)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"62043\" class=\"elementor elementor-62043 elementor-60227\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d86d887 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d86d887\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8b49ddd\" data-id=\"8b49ddd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-083b30b elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"083b30b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>De quoi s\u2019agit-il ?<\/h3><p style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\">Les PSFP, comme Urbanitae, op\u00e8rent dans le cadre du r\u00e8glement (UE) 2020\/1503, qui r\u00e9glemente le financement participatif au niveau europ\u00e9en. Ce r\u00e8glement a remplac\u00e9 le pr\u00e9c\u00e9dent cadre qui existait en Espagne pour les plateformes de financement participatif (PFP), et a unifi\u00e9 les exigences pour tous les op\u00e9rateurs du secteur dans l\u2019Union europ\u00e9enne. Gr\u00e2ce \u00e0 cette nouvelle r\u00e9glementation, Urbanitae peut offrir ses services aux investisseurs de toute l\u2019Europe avec un processus d\u2019autorisation unique, par le biais du passeport europ\u00e9en.  <\/p><p style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\">Ce cadre commun renforce la transparence, la protection des investisseurs et la stabilit\u00e9 du syst\u00e8me. Entre autres obligations, elle impose aux PSFP de classer les investisseurs en fonction de leur exp\u00e9rience (<strong>exp\u00e9riment\u00e9e<\/strong> ou <strong>non<\/strong>), d\u2019\u00e9valuer les risques de chaque projet et de fournir toutes les informations n\u00e9cessaires de mani\u00e8re claire et compr\u00e9hensible. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11c28c4 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"11c28c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Principaux aspects \u00e0 prendre en compte<\/h3><p style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\">Lorsque vous investissez par l\u2019interm\u00e9diaire d\u2019un prestataire de services de financement participatif, il est essentiel de prendre en compte les facteurs suivants :<\/p><ul><li style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\"><strong>Champ d\u2019action :<\/strong> Les PSFP peuvent fonctionner dans l\u2019ensemble de l\u2019Espace \u00e9conomique europ\u00e9en, ouvrant la porte \u00e0 des financements plus agiles et diversifi\u00e9s, tant pour les d\u00e9veloppeurs que pour les investisseurs.<\/li><li style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\"><strong>Protection de l\u2019onduleur :<\/strong> Le r\u00e8glement introduit des garanties sp\u00e9cifiques pour les investisseurs non exp\u00e9riment\u00e9s, telles que des d\u00e9lais de r\u00e9flexion, des avertissements sur les risques et des limites d\u2019investissement.<\/li><li style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\"><strong>Transparence et diligence :<\/strong> Les PSFP sont tenus de fournir des informations d\u00e9taill\u00e9es et compr\u00e9hensibles sur chaque opportunit\u00e9 d\u2019investissement, ainsi que d\u2019\u00e9valuer la solvabilit\u00e9 et la viabilit\u00e9 des projets publi\u00e9s.<\/li><li style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\"><strong>Limites op\u00e9rationnelles :<\/strong> Ces fournisseurs ne peuvent pas conserver de fonds ou fournir des conseils financiers \u00e0 moins d\u2019avoir des autorisations suppl\u00e9mentaires pour le faire.<\/li><li style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\"><strong>Application au secteur immobilier :<\/strong> Dans le cas d\u2019Urbanitae, tous les projets publi\u00e9s sont des investissements immobiliers, principalement en fonds propres ou en dette, analys\u00e9s et structur\u00e9s par une \u00e9quipe sp\u00e9cialis\u00e9e.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-aa563c5 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"aa563c5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-41114ac\" data-id=\"41114ac\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-43f7095 elementor-widget elementor-widget-html\" data-id=\"43f7095\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n        <div class=\"qode-advanced-call-to-action qode-advanced-cta-gradient qode-advanced-cta-gradient-animation\" style=\"height:80px\">\r\n            <a class=\"advanced-cta-link\" href=\"https:\/\/mkt.urbanitae.com\/Urbanitae_suscripcion_newsletter.html?utm_source=blog&amp;utm_medium=link_blog&amp;utm_campaign=suscripcion_blog&amp;utm_content=boton\" target=\"_blank\" onclick=\"dataLayer.push({'event': 'ub_ga4_event', 'ub_ga4_event_name': 'newsletter', 'ub_ga4_event_element': 'aprende'})\"><\/a>\r\n            <div class=\"qode-advanced-cta-content\">\r\n                <span class=\"qode-advanced-cta-text-holder\" style=\"color:#FFFFFF;font-size:25px\">\r\n Abonnez-vous \u00e0 notre Newsletter <\/span>\r\n                <span class=\"qode-advanced-cta-icon-holder\" style=\"color:#FFFFFF;font-size:25px\">\r\n                    <span class=\"qode-advanced-cta-icon-holder-table\">\r\n                        <span class=\"qode-advanced-cta-icon-holder-cell\">\r\n                            <i class=\"qode_icon_font_awesome_5 fa5 fa fa-envelope-open-text qode-advanced-cta-icon\"><\/i> <\/span>\r\n                    <\/span>\r\n                <\/span>\r\n            <\/div>\r\n            <div class=\"qode-advanced-cta-background-holder\">\r\n                <span class=\"qode-advanced-cta-background-1 qode-type1-gradient-left-to-right\"><\/span>\r\n                <span class=\"qode-advanced-cta-background-2 qode-type1-gradient-left-to-right\"><\/span>\r\n                <span class=\"qode-advanced-cta-background-3\"><\/span>\r\n            <\/div>\r\n        <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>De quoi s\u2019agit-il ? Les PSFP, comme Urbanitae, op\u00e8rent dans le cadre du r\u00e8glement (UE) 2020\/1503, qui r\u00e9glemente le financement participatif au niveau europ\u00e9en. Ce r\u00e8glement a remplac\u00e9 le pr\u00e9c\u00e9dent cadre qui existait en Espagne pour les plateformes de financement participatif (PFP), et a unifi\u00e9 les exigences pour tous les op\u00e9rateurs du secteur dans l\u2019Union [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":62174,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-62043","page","type-page","status-publish","hentry"],"blocksy_meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Fournisseur de services de financement participatif (FSFP) - Urbanitae Blog<\/title>\n<meta name=\"description\" content=\"Il s\u2019agit d\u2019une entit\u00e9 autoris\u00e9e qui met en relation des promoteurs qui ont besoin de financement avec des investisseurs qui souhaitent participer \u00e0 leurs projets par le biais d\u2019une plateforme num\u00e9rique.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.urbanitae.com\/fr\/glossaire\/fournisseur-de-services-de-financement-participatif-fsfp\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fournisseur de services de financement participatif (FSFP) - 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