Our financing
Start-up / buy-out loan
Finance the launch or buy-out of a business, beyond personal funds.
The start-up / buy-out loan tops up your own funds to launch or acquire a business. The file rests on the project, the forecast and collateral.
- Amounts
- from €10,000 to €300,000
- Terms
- from 24 to 84 months
Indicative rates by term
| Term | Fixed rate |
|---|---|
| 24 months | 5.50% |
| 48 months | 6.90% |
| 84 months | 7.90% |
Indicative rates, non-binding, subject to change and to review of your file.
Estimate this financing
The capital you wish to borrow.
A longer term lowers the monthly payment but raises the total cost.
Indicative annual nominal rate for the estimate.
A down payment reduces the financed amount.
Your estimate
Monthly payment
€1,185.24Estimated monthly payment: €1,185.24
- Indicative APR
- 7.12%
- Total cost of credit
- €11,114.59
- Financed amount
- €60,000.00
- Capital€60,000.00
- Interest€11,114.59
Indicative, non-binding estimate, excluding insurance and any fees, subject to review and acceptance of your file. The final APR will appear on your contract offer.
Representative example
- Amount borrowed
- €60,000.00
- Term
- 60 months
- Fixed borrowing rate
- 6.90%
- Fixed APR
- 7.12%
- Monthly payment
- €1,185.24
- Total cost of credit
- €11,114.59
- Total amount payable
- €71,114.59
Representative example, excluding optional insurance. A loan commits you and must be repaid. Check your ability to repay before committing.
Eligibility conditions
Accessible if…
- A project holder with a costed business plan
- Personal funds or co-financing
- A buy-out with usable accounts
Not suitable if…
- A project with no funds, collateral or forecast
- A sector with no visibility on income
Documents to provide
- Business plan and forecast
- ID
- Proof of own funds
- Buy-out agreement where applicable
Worked example
Business buy-out
€60,000 over 60 months alongside own funds, backed by the buy-out forecast.
Frequently asked questions
Are own funds needed?
Own funds, even modest, are decisive; they can be topped up by start-up grants.
Do you finance a buy-out?
Yes, based on the target's accounts and your buy-out plan.
Is collateral requested?
Often, as a director's guarantee or a dedicated body's security.