Enerfip
Specialist in energy transition crowdfunding.
Crowdscope score
Volume
844 M€
Investors
65k
2nd market
No
Auto-invest
No
Avg. duration
36 months
Default rate
1.7%
Score breakdown
Each criterion rated from 0 to 10 then weighted.
About Enerfip
Overview of the platform, its framework and risk profile.
Founded in Montpellier in 2014 by energy and finance experts, Enerfip is today the reference platform in Europe for investing in concrete projects related to the ecological transition. It allows individuals to finance, alongside professionals, renewable energy installations: wind farms, ground-based or rooftop solar power plants, methanization units, or energy renovation projects.
Unlike consumer crowdlending, Enerfip relies on tangible assets and a long-term vision, offering a solid alternative to traditional savings.
⚖️ The Investment Framework
Enerfip operates in a strict regulatory environment that guarantees a high level of protection for savers:
- European Regulation: the platform holds the PSFP (Participatory Finance Service Provider) accreditation, issued by the AMF (Autorité des Marchés Financiers). This framework imposes rigorous audits, total transparency on fees, and a drastic selection of projects.
- Local Investment: a large part of the projects offers preferential rates or exclusivities to local residents. This is the "short circuit" concept applied to finance.
- Tax Advantage: projects are eligible for PFU (30% Flat Tax), but also, for many, for PEA-PME. This allows for exemption from income tax on gains after 5 years of ownership.
🛡️ Risk Profile
Investing in Enerfip is generally considered a moderate investment, located between secured savings accounts and volatile stock markets.
Strengths (Risk Mitigation)
- Revenue Stability: financed projects (solar, wind) often benefit from electricity purchase contracts guaranteed by the State for 15 or 20 years. Financial visibility is therefore excellent.
- Renowned Partners: Enerfip collaborates with industry giants (TotalEnergies, Engie, Valorem) as well as robust specialized developers.
- Near-Zero Default Rate: historically, the platform boasts one of the best track records on the market with very few payment incidents.
Risks to Monitor
- Capital Loss Risk: like any investment in unlisted bonds or shares, capital is not guaranteed by the State. In the event of project company bankruptcy, the investor may lose their investment.
- Liquidity: although Enerfip's secondary market is very active and free, the resale of your securities depends on the presence of buyers. This is not as instantaneous as a withdrawal from a Passbook A.
- Industrial and Weather Risk: lower-than-expected wind or sun resources, or major technical failures, can influence project profitability, although these risks are generally covered by insurance.
Current Climate & Sentiment
Our interpretation of the community climate and trust surrounding the platform.
The climate around Enerfip in spring 2026 is marked by a striking contrast: the platform confirms its European dominance (acquisition of Lumo), but it is also going through its first real "turbulent zone" concerning repayments.
1. A Leader Consolidating its Position
The general sentiment remains that of an elite platform. The acquisition of Lumo by Enerfip (end of 2025) was perceived by the community as a strong signal of solidity. Investors particularly appreciate:
- Subscription flexibility: being able to position oneself on a project even before funds are deposited into the Lemonway account remains a frequently cited competitive advantage.
- Geographical variety: the increasing opening up to Spain and Italy allows for diversification that few competitors offer.
2. The Emergence of First Defaults and Delays
For the first time, the tone is changing on discussion channels. After years of "flawless" performance, several complex cases are making headlines:
- Papysun and Apovav cases: These projects (energy renovation, hangars) are experiencing delays due to contractor bankruptcies or commercial disputes. The community notes a multiplication of "indefinite delay" emails in recent months.
- The Pannónia amicable agreement: This case left a strong impression. Investors had to vote for a partial early repayment resulting in a 1% capital loss (final IRR of 7% instead of 8%).
- The sentiment: While some investors are disappointed, "veterans" put it into perspective, emphasizing that with the interest already received, the operation remains largely positive.
3. Transparency vs. Growing Concern
Enerfip's management reacts with transparency deemed "effective" (regular webinars on project monitoring, detailed emails). However, part of the community is beginning to compare the current situation to that of real estate crowdfunding in 2024:
- Increased selectivity: Experienced investors are shying away from projects without senior-ranking guarantees and are wary of energy renovation projects (riskier than pure energy production).
- Diversification: The watchword is to "keep things in perspective." With a real default rate that remains below 1% for the majority of large portfolios, the platform maintains solid confidence, but "under surveillance."
"The carefree days are over for Enerfip. The platform remains the absolute reference in France for renewable energies, but market maturity brings its share of defaults. Investors must now switch from "automatic" to "selective" mode, closely scrutinizing the proposed collateral. The overall IRR remains attractive, but zero risk no longer exists."
Crowdscope Editorial Analysis · August 2026. Synthesis of observed community discussions, non-sponsored.
Guarantees
- Caution
- Nantissement
- Hypothèque
Conditions
- Minimum ticket
- 10 €
- Indicative yield
- 6.63%
- Average duration
- 36 months
- Status
- ECSP
Warning
Investing carries a risk of partial or total capital loss. Displayed yields are indicative and not guaranteed.
Discover Enerfip
Head to the official website to open an account and explore the investment opportunities offered by Enerfip.
Crowdscope receives no commission from this platform — link provided for informational purposes. Investing involves a risk of capital loss.
Compare Enerfip with similar platforms
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Enerfip — frequently asked questions
Is Enerfip a safe crowdlending platform?
Enerfip scores 73/100 in the Crowdscope framework. It operates from France since 2014, under the ECSP status, with a reported default rate of 1.7%. Loans are backed by: Caution, Nantissement, Hypothèque. No crowdlending platform is risk-free: capital is at risk and past performance does not predict future returns.
What return can you expect on Enerfip?
The indicative yield advertised on Enerfip is around 6.63% per year, before defaults, recovery delays and cash drag. The net return observed by investors is usually lower.
Does Enerfip have a secondary market?
No, Enerfip does not offer a secondary market. Investments must be held until the loan matures or is repaid early.
What is the minimum investment on Enerfip?
The minimum investment per loan on Enerfip is 10 EUR, with an average duration of 36 months.
Is Enerfip regulated?
Enerfip operates under the ECSP regime. ECSP means the platform holds the European Crowdfunding Service Provider licence supervised by a national regulator; other statuses indicate a national regime or the absence of a dedicated crowdfunding licence.
Last updated: · Reviewed by the Crowdscope editorial team