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Les meilleures plateformes de financement participatif dans la région MENA

Les meilleures plateformes de crowdfunding en MENA

Les investissements en capital et en dette restent les types d’investissement les plus répandus dans la région MENA, tandis que les PME et les start-up dominent parmi les principaux secteurs, attirant un large éventail d’investisseurs et d’entrepreneurs. Le marché bénéficie de la supervision de l’Autorité des marchés de capitaux et du Conseil des marchés de capitaux, qui garantissent un environnement réglementé et transparent pour les participants.

Voir aussi Plateformes de financement à travers MENA

63 plateformes Voir toutes les plateformes

Populaire

Investissements sûrs et revenus passifs avec un rendement allant jusqu'à 14,9 %. Commencez à gagner avec Maclear. Ne tardez pas – Investissez aujourd'hui.

Industrie

PME

Type

Dette Prêt P2P

Investissement min. €50

Rendement annoncé 14.9%

Investissement automatique Oui

SmartCrowd, la principale plateforme d'investissements immobiliers fractionnés régulée de Dubaï et la première au MENA, vous permet d'investir dans des propriétés à Dubaï offrant un rendement élevé, rendant les investissements immobiliers accessibles à tous.

Industrie

Immobilier

Type

Achat à louer

Investissement min. €120

Rendement annoncé 17%

Marché secondaire Oui

Populaire

8Lends est une plateforme de crowdlending décentralisée pionnière, conçue pour relier le marché du prêt P2P à Web3, améliorant l'accès au capital et promouvant l'inclusion financière. Et, présentant un nouveau type d'outils d'investissement.

Industrie

PME

Type

Prêt P2P Tokenisé

Investissement min. USDT 100

Rendement annoncé 22.5%

Marché secondaire Oui

Investissement automatique Non

Tokenized ship ownership, built properly. SPV-backed vessels, independent due diligence, KYC-verified access. Maritime finance meets real-world assets.

Industrie

Logistique Maritime

Type

Capitaux propres Tokenisé

Investissement min. $1,000

Rendement annoncé 10%

Marché secondaire Non

Une plateforme fintech conforme à la charia permettant aux promoteurs immobiliers de lever des fonds par le biais de Sukuk numériques, offrant aux investisseurs des opportunités sécurisées, transparentes et à haut rendement sur le marché immobilier saoudien.

Industrie

Immobilier

Type

Dette Mini-obligations

Investissement min. €1,000

Rendement annoncé 13-16%

Marché secondaire Non

Investissement automatique Oui

Populaire

Slice est une plateforme d'investissement immobilier numérique qui permet aux individus de 188 pays d'investir dans des propriétés immobilières professionnellement vérifiées avec aussi peu que 100 $, visant à démocratiser l'accès aux investissements immobiliers.

Industrie

Immobilier

Type

Capitaux propres Dette

Investissement min. $100

Rendement annoncé 15.72%

Marché secondaire Oui

Investissement automatique Oui

REALTY BUNDLES est une plateforme de financement participatif immobilier qui propose des portefeuilles immobiliers soigneusement sélectionnés, gérés par des agences immobilières expertes. Les portefeuilles peuvent offrir un risque réduit de perte.

Industrie

Immobilier

Type

Capitaux propres

Investissement min. €250

Rendement annoncé —

Marché secondaire Non

PRYPCO Blocks est une plateforme d'investissement immobilier fractionné axée sur la technologie qui démocratise l'accès au marché immobilier de Dubaï, permettant aux particuliers d'investir dans des propriétés locatives de grande valeur avec un investissement minimum de 2 000 AED.

Industrie

Immobilier

Type

Achat à louer

Investissement min. €2,000

Rendement annoncé 10%

Marché secondaire Non

Firefish est une plateforme offrant des prêts garantis par Bitcoin. Les emprunteurs reçoivent des prêts en fiat ou en stablecoin et utilisent Bitcoin pour les garantir. Les investisseurs gagnent des intérêts sur leur investissement en fournissant des fonds pour de tels prêts.

Industrie

Prêts personnels

Type

Prêt P2P

Investissement min. €800

Rendement annoncé 5-15%

Investissement automatique Non

Thara Crowdlending est une entreprise de technologie financière spécialisée dans le financement de projets de développement immobilier. Thara connecte des investisseurs individuels et institutionnels avec des opportunités d'investissement dans le secteur du développement immobilier.

Industrie

Immobilier

Type

Dette

Investissement min. €1,000

Rendement annoncé 15%

Investissement automatique Non

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Crowdfunding market overview across MENA

The crowdfunding market across MENA is dynamic, with 63 platforms serving a rapidly evolving ecosystem that fosters entrepreneurial growth and access to new capital. Equity and Debt models are most prominent, and sectors like SME and Startups are at the forefront of innovation, reinforcing the region’s position as a vibrant hub for alternative finance. The interplay of these factors underlines the strategic significance of MENA’s crowdfunding sector for both local and global stakeholders. With 14 innovative platforms shaping the landscape, the region continues to witness robust expansion and diversification.

Investment thresholds across platforms range from a minimum of $1 to a maximum of $25,000, with an average investment of $2,375 per campaign, providing accessibility for a broad spectrum of investors.
Advertised annual interest rates span from 4% up to 22.5%, with an average rate of 11.8% among featured MENA platforms.
Fee structures vary: some platforms charge management or transaction fees on investments, while others offer free membership or cover withdrawal and deposit fees for users.
57 out of 63 platforms are regulated, with Capital Markets Authority and Capital Markets Board as the most represented authorities. The leading license types include ECSP (European crowdfunding service provider) and Reg CF (Regulation Crowdfunding).
Equity, Debt, P2P lending, Buy-to-let, and Tokenized models are the most common investment types across the region.
SME, Startups, Real estate, Green energy, Health & Science, and Sustainability are the leading industries, reflecting the diversity of MENA’s crowdfunding landscape.
An interesting fact: platforms in MENA enable both conventional and Shariah-compliant investment opportunities, catering to diverse investor preferences and regulatory environments.

Equity crowdfunding market across MENA

Equity crowdfunding in MENA offers investors the chance to acquire stakes in promising businesses, from early-stage startups to established real estate ventures. This segment showcases high-growth potential and the ability to diversify across markets and sectors.

Wefunder stands out for its low minimum investment of $100, direct access to both startups and small businesses, a massive investor community, and flexible investment choices across multiple sectors. The platform is regulated by SEC and FINRA in the USA, providing a transparent operational environment.
RealtyMogul specializes in commercial real estate crowdfunding, offering investment opportunities in private placements, 1031 Exchanges, and REITs. With a minimum investment of $25,000, it provides access to diverse real estate deals, has a fee-free membership for investors, and is regulated by SEC and FINRA.
Slice enables global participation in vetted real estate opportunities with a low entry point of $100, offers a fully digital investment process, and includes secondary market access and auto-invest features. It is regulated by the DFSA (Dubai).
CrowdStreet provides investors with exclusive access to curated commercial real estate deals, has no investor platform fees, targets accredited investors, and supports high-value transactions. It is regulated by SEC and FINRA.

The equity segment in MENA is characterized by robust regulatory frameworks, diverse asset classes, and options for both retail and institutional investors.

Debt crowdfunding market across MENA

Debt crowdfunding platforms in MENA facilitate fixed-income investment opportunities, connecting lenders with borrowers across business sectors and regions. This segment appeals to those seeking predictable returns and innovative risk-mitigation features.

Maclear offers passive income with up to 14.9% return, a low minimum investment of €50, and no withdrawal or deposit fees. The platform boasts buyback guarantees, secondary market access, and is regulated by FINMA in Switzerland.
Safqah Capital provides Shariah-compliant Sukuk investments for real estate projects in Saudi Arabia, a minimum investment of €1,000, and an advertised return of 13-16%. It supports auto-invest and is regulated by the CMA.
OurCrowd connects accredited investors globally with vetted startups and venture funds, invests its own capital alongside members, and offers both equity and debt options. Regulated by the ISA in Israel, it is known for its stringent due diligence and a minimum investment of $10,000.
Ecofolio focuses on impact-driven and sustainable startups, provides both equity and debt campaigns, and charges no platform fees for investors. The platform is regulated by the CMB in Turkey and offers free membership.

Debt crowdfunding across MENA is evolving, with platforms emphasizing transparency, Shariah-compliance, and innovative risk management for institutional and retail lenders alike.

SME crowdfunding landscape across MENA

The SME crowdfunding sector is a key pillar of MENA’s alternative finance landscape, offering tailored solutions for small and medium-sized enterprises seeking capital for expansion and innovation. Multiple models and currencies are available, reflecting the region’s economic diversity.

Beehive is a Dubai-based P2P lending platform that connects investors with SMEs in the UAE, offers both conventional and Shariah-compliant loans, and was the first P2P platform in the Middle East regulated by the DFSA (Dubai). The minimum investment is AED 500.
8lends is a decentralized crowdlending platform leveraging Web3 for SME funding, featuring tokenized investments, a secondary market, and buyback guarantees. The minimum investment is USDT 100.
Wahed delivers Shariah-compliant digital portfolios for SMEs and startups, provides diversified investment options, and charges a transparent 0.99% management fee. The minimum investment is $1,000.
fonVenture is a CBK-licensed Turkish equity crowdfunding platform that employs a “collective intelligence” approach and ensures all funds are held in secure escrow accounts. The minimum investment is TRY 1,000.

SME crowdfunding in MENA is marked by innovation, regulatory compliance, and the ability to serve both local and international business communities.

Startups crowdfunding landscape across MENA

Startups remain a focal point for MENA’s crowdfunding scene, with platforms supporting early-stage ventures across diverse industries, from health and science to green energy. This space is driven by demand for accessible funding and investor appetite for high-growth opportunities.

Fonangels is a CMB-licensed Turkish equity platform enabling investments in early-stage technology and production startups from as little as TRY 1, with official share registration and a secondary market for liquidity.
StartEngine is a leading US-based platform offering equity and debt crowdfunding for startups and real estate, accessible globally with a $100 minimum investment and a 3.5% investor fee. The platform is regulated by SEC and FINRA and includes a secondary market.
Eureeca enables investments in startups and SMEs across multiple continents, supports portfolio diversification, and is regulated by the FCA and SC Malaysia. The minimum investment is €100.
Narfon is a Turkish SPK-licensed equity platform specializing in startup funding, with free membership and all investor funds held in escrow during campaigns, ensuring added security for participants.

The MENA startup crowdfunding landscape benefits from strong regulatory frameworks, low entry thresholds, and platforms supporting both retail and institutional engagement.