Specialist credit provider
A loan assessed on your real situation, not on a score.
We study files that high-street banks often turn away. Every decision rests on concrete facts, file by file — with no promise of approval.
- Authorised CBI ref. C123456
- Real, reachable address
Estimer en un coup d'œil
Mensualité estimée
€358.50Estimation indicative à 6.90% de taux débiteur fixe, hors assurance.
Affiner ma simulation
Your situation
Who this financing is for
These profiles are often refused elsewhere. Here they are still assessed, on real collateral and income.
- Listed on a credit-incident register
- Mortgage debt consolidation
- Self-employed without three years of accounts
- Short contracts: fixed-term, temp work
- Senior, working or retired
- Tight business cash flow
Our financing
We start with what rests on collateral.
Financing backed by an asset stays within reach when the score blocks you. Classic loans follow.
Debt consolidation
Combine your loans into a single monthly payment, backed by your property if needed.
Home-improvement loan
Finance a renovation, including energy-efficiency works.
Cash-flow loan
Get over a cash-flow bump for your business, without tying up your funds.
Lease / hire-purchase
Use a vehicle or equipment without buying it right away.
Factoring
Turn your customer invoices into available cash immediately.
Bridging loan
Buy before you have sold, over the transition period.
Also available
How we work
What changes, concretely
A decision on your situation
We read your real file — income, collateral, history — rather than an automated score.
A person, not a counter
One contact follows your file and explains every criterion, without jargon.
An answer within a clear timeframe
We state a review time and stick to it. No artificial urgency.
How it works
Five steps, in this order
- 01
The eligibility check
Seven questions to know honestly where your file stands.
- 02
The simulation
You estimate a monthly payment and total cost, in real time.
- 03
The application
You complete a file in five steps, at your own pace.
- 04
The review
A contact examines your real situation and your documents.
- 05
The decision
You receive a reasoned answer, and the offer where applicable.
The signature tool
The Reading of your file
Serious prospect
The elements gathered allow an application to be studied.
File to strengthen
One specific point holds you back today. Here is how to lift it.
Not feasible as it stands
We point you to a more useful resource than a file bound to be refused.
Guidance, not a credit decision. No score shown, no commitment.
Run my ReadingA few questions, and we tell you honestly where your file stands — with the reason, and what could move the answer.
Guidance, not a credit decision. No score shown, no commitment.
They have been there
Files taken seriously again
« Refused twice at a branch for a fixed-term contract. Here, they looked at my three years of temp work in the same field. »
« Self-employed for eighteen months, without the usual three years of accounts. The loan was backed by my flat. »
« They told me clearly what was blocking and what to prepare. I reapplied three months later and it went through. »
« I've been self-employed for eighteen months, and they knew how to value my income without full accounts. »
« My file was processed faster than expected, and I got clear explanations at every stage. »
« I had a large overdraft, but the advisor found a budget-friendly solution. »
« The loan allowed me to renovate without surprises. The process was serious and supportive. »
« I never felt judged. Everything happened simply and with transparency. »
« Refused twice at a branch for a fixed-term contract. Here, they looked at my three years of temp work in the same field. »
« Self-employed for eighteen months, without the usual three years of accounts. The loan was backed by my flat. »
« They told me clearly what was blocking and what to prepare. I reapplied three months later and it went through. »
« I've been self-employed for eighteen months, and they knew how to value my income without full accounts. »
« My file was processed faster than expected, and I got clear explanations at every stage. »
« I had a large overdraft, but the advisor found a budget-friendly solution. »
« The loan allowed me to renovate without surprises. The process was serious and supportive. »
« I never felt judged. Everything happened simply and with transparency. »
In figures
Pointers, not promises
48 h
stated review time
7
questions for an eligibility check
10
markets in the eurozone
14
types of financing assessed
Indicative figures, without commitment, subject to change.
Our legitimacy
Verifiable, not decorative
On this market, transparency is the argument. Here is how to verify us.
- Authorised by the Central Bank of Ireland (CBI ref. C123456)
- Member of the Financial Services and Pensions Ombudsman (FSPO)
- Branch in Dublin, 12 Dawson Street, D02 XY45
Representative example
Indicative figures, non-binding and subject to acceptance of your file.- Amount borrowed
- €15,000
- Term
- 48 months
- Fixed borrowing rate
- 6.90%
- Fixed APR
- 7.12%
- Monthly payment
- €358.50
- Total cost of credit
- €2,207.87
- Total amount payable
- €17,207.87
Representative example, excluding optional insurance. A loan commits you and must be repaid. Check your ability to repay before committing.
