October

October (formerly Lendix) is the leading SME lending platform in continental Europe. It operates in France, Spain, Italy, the Netherlands, and Germany. The platform allows individuals to lend money directly to established small and medium-sized enterprises alongside institutional investors.

October creates a hybrid funding model where management and institutions fund 51% of every loan, aligning interests with retail investors. It is a legitimate, highly regulated platform (authorized by AMF in France) that supports the real economy while offering attractive returns to lenders.

Frequently Asked Questions

1. specific minimum investment?

The minimum investment is very accessible at just €20 per project. This allows retail investors to easily build a diversified portfolio of loans across different countries and industries.

2. Is my capital guaranteed?

No, lending to SMEs involves risk, and capital is not guaranteed. If a business defaults, you may lose money. However, October has a dedicated recovery team that attempts to recover funds on behalf of lenders.

3. specific fees for lenders?

No, October does not charge any fees to lenders. The platform is entirely free for investors; all fees are paid by the businesses borrowing the money. You receive 100% of the interest paid.

4. How are projects selected?

October uses a rigorous credit analysis process combining technology and human analysts. They reject the vast majority of applications, only presenting financially stable companies with a solid repayment capacity to investors.

5. How do I get paid?

Repayments (capital + interest) are credited to your October account monthly. You can withdraw these funds to your bank account at any time free of charge, or reinvest them into new projects.