# Smart Lenders Asset Management

> Smart Lenders Asset Management (Smart Lenders AM) is a Paris-based, independent and AMF-authorized asset manager founded in 2014 that specializes in alternative credit, marketplace lending and fintech-enabled specialty finance across the United States and Europe.

Company page on Leadbay: https://mad-max.leadbay.ai/company/smartlenders-am.com · loaded 2026-10-31

## At a glance

- Website: https://smartlenders-am.com
- Team based in: Paris (Leadbay's record and 2 more)
- Incorporated: Paris, France (register)
- Registry: SIREN 832 482 095
- Founded: 2014 (smartlenders-am.com and 2 more)
- Founders: Erich Bonnet
- Industry: Investment Management
- Employees: 16 (employees and founders, investors not counted; smartlenders-am.com and 1 more)
- Backed by: Matmut, Jerome Camblain (Member of the Supervisory Board, Smart Lenders Asset…)
- Seen in its site's code: WordPress (/wp-content/), Microsoft 365 (MX smartlendersam-com03b.mail.protection.outlook.com) (read 2026-10-31)
- Email: info@smartlenders-am.com
- Address: 109 BOULEVARD HAUSSMANN, 75008, PARIS, fr

## What it sells, to whom

- Smart Lenders Asset Management (Smart Lenders AM) is a Paris-based, independent and AMF-authorized asset manager founded in 2014 that specializes in alternative credit, marketplace lending and fintech-enabled specialty finance across the United States and Europe. ([smartlenders-am.com](https://www.smartlenders-am.com/), [smartlenders-am.com](https://www.smartlenders-am.com/our-expertises/), [smartlenders-am.com](https://www.smartlenders-am.com/wp-content/uploads/2023/11/CP_Smart-Lenders-2md-Juin-2023_final_EN.pdf))

## Why it stands out

- Competes with: The company describes its niche as having few direct European competitors; no specific competitor list was disclosed in the reviewed sources. Broad competitive set: alternative-credit, specialty-finance, marketplace-lending and private-debt managers. ([smartlenders-am.com](https://www.smartlenders-am.com/), [smartlenders-am.com](https://www.smartlenders-am.com/wp-content/uploads/2025/10/Artikel-Smart-Lenders-Asset-Management-EN.pdf))

## Products and services

- **Moonstone Lending Fund SICAV SIF**: open-ended strategy investing primarily in U.S. consumer and SME loans; launched in July 2016. ([smartlenders-am.com](https://www.smartlenders-am.com/our-expertises/), [smartlenders-am.com](https://www.smartlenders-am.com/asset-management-company-as-a-service/), [smartlenders-am.com](https://www.smartlenders-am.com/wp-content/uploads/2025/10/Artikel-Smart-Lenders-Asset-Management-EN.pdf))
- **The Lending Smart Fund 1**: European digital-lending/specialty-debt fund launched in 2022, financing fintech platforms including revenue-based finance, education finance and gaming/app finance. ([smartlenders-am.com](https://www.smartlenders-am.com/our-expertises/), [smartlenders-am.com](https://www.smartlenders-am.com/asset-management-company-as-a-service/), [smartlenders-am.com](https://www.smartlenders-am.com/wp-content/uploads/2025/10/Artikel-Smart-Lenders-Asset-Management-EN.pdf))
- Planned/announced The Lending Smart Fund 2 (TLSF2) — target up to €200 million for secured debt financing of European next-generation fintech and leasetech platforms. ([smartlenders-am.com](https://www.smartlenders-am.com/our-expertises/), [smartlenders-am.com](https://www.smartlenders-am.com/asset-management-company-as-a-service/), [smartlenders-am.com](https://www.smartlenders-am.com/wp-content/uploads/2025/10/Artikel-Smart-Lenders-Asset-Management-EN.pdf))
- **Asset-management-company-as-a-service**: tailor-made European-compliant AIF/fund structuring and management for lending fintechs. ([smartlenders-am.com](https://www.smartlenders-am.com/our-expertises/), [smartlenders-am.com](https://www.smartlenders-am.com/asset-management-company-as-a-service/), [smartlenders-am.com](https://www.smartlenders-am.com/wp-content/uploads/2025/10/Artikel-Smart-Lenders-Asset-Management-EN.pdf))
- **Investment capabilities**: consumer loans, SMB loans, BNPL, revenue-based financing, merchant cash advances, income-share agreements and asset-based lending. ([smartlenders-am.com](https://www.smartlenders-am.com/our-expertises/), [smartlenders-am.com](https://www.smartlenders-am.com/asset-management-company-as-a-service/), [smartlenders-am.com](https://www.smartlenders-am.com/wp-content/uploads/2025/10/Artikel-Smart-Lenders-Asset-Management-EN.pdf))

## Customers and markets

- **Customers**: Institutional and professional investors seeking diversified exposure to alternative credit and specialty finance., FinTech and LeaseTech platforms seeking European-compliant fund structuring, financing and asset-management support., Underlying underserved consumers and small/medium businesses financed through digital lending platforms. ([smartlenders-am.com](https://www.smartlenders-am.com/), [smartlenders-am.com](https://www.smartlenders-am.com/our-expertises/), [smartlenders-am.com](https://www.smartlenders-am.com/asset-management-company-as-a-service/))
- **Markets**: United States and Europe, especially France and Germany. ([smartlenders-am.com](https://www.smartlenders-am.com/wp-content/uploads/2026/06/SLAM-Rapport-LEC29-2025.pdf), [smartlenders-am.com](https://www.smartlenders-am.com/wp-content/uploads/2025/10/Artikel-Smart-Lenders-Asset-Management-EN.pdf), [smartlenders-am.com](https://www.smartlenders-am.com/our-expertises/))
- **Markets**: European fintech and LeaseTech platforms. ([smartlenders-am.com](https://www.smartlenders-am.com/wp-content/uploads/2026/06/SLAM-Rapport-LEC29-2025.pdf), [smartlenders-am.com](https://www.smartlenders-am.com/wp-content/uploads/2025/10/Artikel-Smart-Lenders-Asset-Management-EN.pdf), [smartlenders-am.com](https://www.smartlenders-am.com/our-expertises/))

## Team

- Erich Bonnet, Founder, CEO and CIO · [LinkedIn](https://www.linkedin.com/in/erich-bonnet-9b43197)
- Arnaud Beyssen, Partner & CFO · [LinkedIn](https://www.linkedin.com/in/arnaud-beyssen-7b140a58)
- Etienne Laluque, Directeur des Relations Investisseurs chez Smart Lenders… · [LinkedIn](https://www.linkedin.com/in/etienne-laluque-6527496)
- Pierre Leydier, Investment VP at Smart Lenders Asset Management · [LinkedIn](https://www.linkedin.com/in/pierre-leydier-70750b56)
- Yasmine Maassouli, Data Engineer · [LinkedIn](https://www.linkedin.com/in/yasmine-maassouli-8b8930178)
- Bastien Lextrait, PhD - Data Scientist @ Smart Lenders Asset Management · [LinkedIn](https://www.linkedin.com/in/bastien-lextrait-b0843083)
- Nathania Kosol, Senior ESG & Credit Analyst @ Smart Lenders Asset Management · [LinkedIn](https://www.linkedin.com/in/nathaniakosol)
- Nicolas Chatellet, Financial Controller chez Smart Lenders Asset Management · [LinkedIn](https://www.linkedin.com/in/nicolas-chatellet-a544948b)
- Caroline Bubreg · [LinkedIn](https://www.linkedin.com/in/caroline-b-)
- Anton Fogelman, Portfolio Manager at Smart Lenders Asset Management · [LinkedIn](https://www.linkedin.com/in/anton-fogelman)
- Aya Elarabi, Manager Middle Office - Asset Management · [LinkedIn](https://www.linkedin.com/in/aya-elarabi)
- Thomas Clark, Lead Credit Analyst at Smart Lenders Asset Management · [LinkedIn](https://www.linkedin.com/in/thomas-clark-56016454)

Backed by: Matmut, Jerome Camblain

## Latest news

- 2026-02-12 · [Ashurst advises Smart Lenders Asset Management on financing for Greenleaze](https://www.ashurstperkinscoie.com/en/who-we-are/our-news-work-market-recognition/ashurst-advises-smart-lenders-asset-management-on-financing-for-greenleaze/) (ashurstperkinscoie.com)
- 2022-02-22 · [Smart Lenders AM lance une stratégie dédiée au digital lending en Europe | Allnews](https://allnews.ch/content/produits/smart-lenders-am-lance-une-strat%C3%A9gie-d%C3%A9di%C3%A9e-au-digital-lending-en-europe) (allnews.ch)

## Where to find more

- [This page in Markdown, for agents](https://mad-max.leadbay.ai/company/smartlenders-am.com.md)

## Decision makers

- [Erich Bonnet](https://mad-max.leadbay.ai/person/erich-bonnet--smartlenders-am.com.md), Founder, CEO and CIO · [LinkedIn](https://www.linkedin.com/in/erich-bonnet-9b43197)
- [Arnaud Beyssen](https://mad-max.leadbay.ai/person/arnaud-beyssen--smartlenders-am.com.md), Partner & CFO · [LinkedIn](https://www.linkedin.com/in/arnaud-beyssen-7b140a58)
- [Etienne Laluque](https://mad-max.leadbay.ai/person/etienne-laluque--smartlenders-am.com.md), Directeur des Relations Investisseurs chez Smart Lenders… · [LinkedIn](https://www.linkedin.com/in/etienne-laluque-6527496)
- [Pierre Leydier](https://mad-max.leadbay.ai/person/pierre-leydier--smartlenders-am.com.md), Investment VP at Smart Lenders Asset Management · [LinkedIn](https://www.linkedin.com/in/pierre-leydier-70750b56)

Work emails and direct phones come with a Leadbay account: https://wow.leadbay.ai/?register=true

Where it comes from: 8 sites read (smartlenders-am.com, tracxn.com, app.dealroom.co, ashurstperkinscoie.com, allnews.ch, digital-finance-platform.ec.europa.eu, annuaire-entreprises.data.gouv.fr, linkedin.com), the French register and the BODACC.

## Best angle

2026-10-01 · Traffic: Site visits up 146% in 3 months, 285 a month (1 source)

## Best way in

- LinkedIn message to Erich Bonnet: Founder, CEO and CIO · profile linked from the company's record
- LinkedIn message to Arnaud Beyssen: Partner & CFO · profile linked from the company's record

## Signals: what happened

- 2026-10-01 · Traffic: Site visits up 146% in 3 months, 285 a month (1 source: [A company database](https://smartlenders-am.com/))
- 2026-09-22 · News: Post by Smart Lenders Asset Management (3 sources: [linkedin.com](https://www.linkedin.com/posts/smart-lenders-asset-management-ltd_activity-7508168077130260480-XzdN), [linkedin.com](https://www.linkedin.com/posts/smart-lenders-asset-management-ltd_specialtyfinance-privatecredit-digitallending-activity-7510979386276220928-UGyU), [linkedin.com](https://www.linkedin.com/posts/smart-lenders-asset-management-ltd_us-consumer-credit-fundamentals-are-improving-activity-7518185226611769344-l2Gi))
- 2026-04-28 · News: Smart Lenders Asset Management reshared Smart Lenders Asset Management: Smart Lenders AM arranges a financing facility to support the growth of Greenleaze (1 source: [linkedin.com](https://www.linkedin.com/posts/smart-lenders-asset-management-ltd_activity-7454906795606695936-FWO9))
- 2026-02-27 · News: Strong news from the U.S. consumer front and a compelling case for the U.S. consumer lending asset class. (1 source: [linkedin.com](https://www.linkedin.com/posts/smart-lenders-asset-management-ltd_consumercredit-usconsumer-householdbalancesheets-activity-7433141675880878081-lHtJ))
- 2026-02-13 · News: Smart Lenders AM provides strategic financing for the Mobile.club/Next Mobiles merger (1 source: [linkedin.com](https://www.linkedin.com/posts/smart-lenders-asset-management-ltd_smart-lenders-am-provides-strategic-financing-activity-7428104487774568450-P1gv))
- 2026-02-12 · News: Ashurst advises Smart Lenders Asset Management on financing for Greenleaze (1 source: [ashurstperkinscoie.com](https://www.ashurstperkinscoie.com/en/who-we-are/our-news-work-market-recognition/ashurst-advises-smart-lenders-asset-management-on-financing-for-greenleaze/))
- 2026-02-01 · Fundraising: Provided strategic financing for the Mobile.club/Next Mobiles merger; external reporting says the transaction included a €31 million raise involving Smart Lenders AM (3 sources: [smartlenders-am.com](https://www.smartlenders-am.com/ressources/), [smartlenders-am.com](https://www.smartlenders-am.com/wp-content/uploads/2025/10/Artikel-Smart-Lenders-Asset-Management-EN.pdf), [worldissmall.fr](https://worldissmall.fr/2026/02/13/mobile-club-fusionne-avec-next-mobiles-et-leve-31-millions-deuros/))
- 2025-10-01 · Fundraising: Announced the next step toward the fifth transaction of The Lending Smart Fund 1 and reported preparation of TLSF2, targeting up to €200 million (3 sources: [smartlenders-am.com](https://www.smartlenders-am.com/ressources/), [smartlenders-am.com](https://www.smartlenders-am.com/wp-content/uploads/2025/10/Artikel-Smart-Lenders-Asset-Management-EN.pdf), [worldissmall.fr](https://worldissmall.fr/2026/02/13/mobile-club-fusionne-avec-next-mobiles-et-leve-31-millions-deuros/))
- 2025-07-23 · News: With a strong and supportive environment, US consumer loans offer a compelling entry point, combining low volatility, short duration, and resilient income into a powerful diversifier within global portfolios. (1 source: [linkedin.com](https://www.linkedin.com/posts/smart-lenders-asset-management-ltd_with-a-strong-and-supportive-environment-activity-7353880240902840323-fRUQ))
- 2025-03-12 · Partnership: We are proud to become the exclusive debt financing partner of Dance, thanks to our 10 years of experience in financing structured or asset based transactions, supporting the leaders of new industries … (1 source: [linkedin.com](https://www.linkedin.com/posts/smart-lenders-asset-management-ltd_we-are-proud-to-become-the-exclusive-debt-activity-7305534217772228609-jXIo))
- 2025-03-01 · News: Signed the sixth transaction for The Lending Smart Fund 1 (3 sources: [smartlenders-am.com](https://www.smartlenders-am.com/ressources/), [smartlenders-am.com](https://www.smartlenders-am.com/wp-content/uploads/2025/10/Artikel-Smart-Lenders-Asset-Management-EN.pdf), [worldissmall.fr](https://worldissmall.fr/2026/02/13/mobile-club-fusionne-avec-next-mobiles-et-leve-31-millions-deuros/))
- 2024-09-19 · News: On parle à nouveau de Smart Lenders Asset Management: (1 source: [fr.linkedin.com](https://fr.linkedin.com/posts/smart-lenders-asset-management-ltd_pony-l%C3%A8ve-23-m-pour-tripler-sa-flotte-de-activity-7242431748674899968-U7Po))

## Solvency

From the national register (INSEE, INPI) and the BODACC, read 2026-10-31. SIREN 832482095.

- Status: active, registered 2017-09-21 · SAS
- Procédures collectives: none in the BODACC (no sauvegarde, redressement or liquidation judiciaire)
- Revenue (chiffre d'affaires) 2024: €3,643,308
- Net income (résultat net) 2024: €498,715
- Accounts filed (comptes déposés): 2025-12-31, 2024-12-31, 2023-12-31
- Legal officers: Arnaud Beyssen, Directeur Général; Erich Bonnet, Président de SAS; Marc Craquelin, Membre du conseil de surveillance; Franck Dussoge, Membre du conseil de surveillance; Marie-Laure Lavenir (jehanno), Membre du conseil de surveillance; Virginie Le Mee, Membre du conseil de surveillance
- Grade (Jev): C, moderate risk
- Risk of failure within 12 months (Jev, read 2026-10-25): 9%
- Risk of paying 90 days late within 12 months (Jev): 18%
- Pays its invoices (Jev): In 30 to 60 days
- Cash on hand (Jev): 12 to 24 months of spending
- Debt (Jev): Low
- What Jev read: Active, created 2017-09-21; Profitable in 2024 (résultat net); No procédure collective in the BODACC; Accounts filed for the year closed 2025-12-31 (comptes déposés)

## Working on now

- Launching and scaling specialty-debt strategies for European fintech and LeaseTech platforms, with TLSF2 reportedly targeting up to €200 million.
- Financing asset-backed and alternative-credit niches including leasing, BNPL, revenue-based finance, education finance, e-mobility and energy-efficient renovation.
- Most recent disclosed transaction: a dedicated structured financing facility for French asset-rental platform Greenleaze through The Lending Smart Fund 1.
- Operating across the United States and Europe, with especially strong presence in Germany; the firm serves professional/institutional investors rather than retail investors.
- Recent 2025 fund activity included FCT Karmen and FFS Wayflyer Global; the supplied regulatory report also records Silvr-related vehicles in liquidation or run-off.

From: [Smart Lenders AM arranges a financing facility to support the growth of Greenleaze](https://www.smartlenders-am.com/wp-content/uploads/2026/10/CP-Greenleaze-SLAM-EN.pdf), [SMART LENDERS ASSET MANAGEMENT](https://www.smartlenders-am.com/wp-content/uploads/2026/06/SLAM-Rapport-LEC29-2025.pdf), [Paris-Based Alternative Credit Manager Gears Up for Second Specialty Debt Fund Backing European Next-Gen Fintechs and Leasetechs](https://www.smartlenders-am.com/wp-content/uploads/2025/10/Artikel-Smart-Lenders-Asset-Management-EN.pdf)

## Summary

Smart Lenders Asset Management (SLAM) is an independent, AMF-authorized asset management company specializing in alternative credit and specialty finance [1][2]. It provides institutional investors access to debt instruments—such as consumer loans, Buy Now Pay Later, and revenue-based financing—originated by fintech platforms in the U.S. and Europe [1][3][2]. Founded in 2014 by CEO Erich Bonnet, the firm operates as an institutional partner, focusing on investments that offer low volatility and decorrelation from traditional markets [1][2][4]. Its customers are exclusively professional investors [2][5]. The firm faces few direct competitors, as it occupies a niche market segment involving transactions typically too small for large banks [4]. In 2025, SLAM launched two new French funds, FCT Karmen and FFS Wayflyer Global, and continued managing funds like Moonstone Lending and The Lending Smart Fund 1 [2]. The firm is currently preparing the next iteration of its strategy, TLSF2, and an Article 9 ESG-focused fund [4].

[1]: https://www.smartlenders-am.com/ "Smart Lenders Asset Management - independent asset manager authorised"
[2]: https://www.smartlenders-am.com/wp-content/uploads/2026/06/SLAM-Rapport-LEC29-2025.pdf "SMART LENDERS ASSET MANAGEMENT"
[3]: https://www.smartlenders-am.com/our-expertises/ "Our Expertises"
[4]: https://www.smartlenders-am.com/wp-content/uploads/2025/10/Artikel-Smart-Lenders-Asset-Management-EN.pdf "Paris-Based Alternative Credit Manager Gears Up for Second Specialty Debt Fund Backing European Next-Gen Fintechs and Leasetechs"
[5]: https://www.smartlenders-am.com/esg/ "ESG criteria, investor information, definition, regulatory context"
[6]: https://www.smartlenders-am.com/asset-management-company-as-a-service/ "Asset Management Company as a service"
[7]: https://www.smartlenders-am.com/wp-content/uploads/2025/10/PressRelease_Dance-x-SLAM-_EN.pdf "Smart Lenders AM announces an exclusive partnership with the Dance platform via its fund The Lending Smart Fund 1"
[8]: https://www.smartlenders-am.com/wp-content/uploads/2025/10/CP_Pony-x-SLAM-_EN.pdf "Smart Lenders AM announces an exclusive partnership with the Pony platform via The Lending Smart Fund 1"

## Sources

- [Smart Lenders Asset Management's website](https://smartlenders-am.com)
- [Company record, via Exa](https://smartlenders-am.com/)
- [Smart Lenders AM arranges a financing facility to support the growth of Greenleaze](https://www.smartlenders-am.com/wp-content/uploads/2026/10/CP-Greenleaze-SLAM-EN.pdf)
- [Erich Bonnet : history, professional experiences - SLAM](https://www.smartlenders-am.com/team/erich-bonnet/)
- [Smart Lenders AM passes the $2 billion lending milestone and strengthens its position as](https://www.smartlenders-am.com/wp-content/uploads/2023/11/CP_Smart-Lenders-2md-Juin-2023_final_EN.pdf)