Our financing
Cash-flow loan
Get over a cash-flow bump for your business, without tying up your assets.
The cash-flow loan covers a working-capital need: a payment gap, a seasonal load, a passing hit. Assessed on the reality of your business.
- Amounts
- from €5,000 to €200,000
- Terms
- from 12 to 84 months
Indicative rates by term
| Term | Fixed rate |
|---|---|
| 12 months | 4.90% |
| 36 months | 6.20% |
| 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
€711.45Estimated monthly payment: €711.45
- Indicative APR
- 6.70%
- Total cost of credit
- €4,149.54
- Financed amount
- €30,000.00
- Capital€30,000.00
- Interest€4,149.54
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
- €30,000.00
- Term
- 48 months
- Fixed borrowing rate
- 6.50%
- Fixed APR
- 6.70%
- Monthly payment
- €711.45
- Total cost of credit
- €4,149.54
- Total amount payable
- €34,149.54
Representative example, excluding optional insurance. A loan commits you and must be repaid. Check your ability to repay before committing.
Eligibility conditions
Accessible if…
- Micro-business or self-employed with an established activity
- A justifiable one-off working-capital need
- A business account with steady movements
Not suitable if…
- Business created less than six months ago with no track record
- A structural long-term need better suited to another product
Documents to provide
- Company registration extract
- Last two sets of accounts or interim figures
- Business account statements
- Director's ID
Worked example
Cash-flow gap
€30,000 over 48 months to absorb a customer-payment gap, repaid as collections come in.
Frequently asked questions
Do I need three sets of accounts?
No. Recent interim figures and steady statements can be enough for the review.
How fast is the release?
After acceptance and signing the offer, funds are paid out within the legal timeframe.
Is collateral required?
Depending on the amount, a director's guarantee or security may be requested.