Your business loan application
2 minutes
to fill out the form
A simulation
free and without obligation
A well insured loan
With Loan Insurance, you and your loved ones are protected in the event of a hard blow: incapacity for work, disability or death.
Flexibility
You choose the repayment period at your convenience between 12 and 120 months.
Flexibility
You can benefit from a payment break twice a year in the event of temporary difficulty
No hidden costs
You only repay your monthly payments, not a penny more!
Adapt the loan schedule
For a classic professional loan, your company gradually repays, according to a schedule agreed in advance, the loan interest and the capital until the end of the loan. The loan can give rise to the payment of constant annuities, to constant repayments or be repayable in fine.
It is important to adapt the loan schedule to the anticipated profitability of the investments and to take into account changes in activity and cash flow:
Choose the right maturity: the duration of the loan is a key parameter to take into consideration. For tangible or intangible investments, repayments are generally spread over a period of around 5 years. Conversely, the financing plan for real estate exceeding 10 to 15 years. In all cases, it is important to adjust the duration of its loan to the amortization period of the acquired property.
Negotiating a deferred repayment: a deferral at the start of the loan makes it possible to take better account of the moment when the investment actually translates into additional cash flow.
What is your professional loan project?
Trade, service company, industrial SME, pharmacy, franchise…?
Tell us your needs and we will study your financing request within 24 hours.
Depending on your project (business assets, purchase of equipment, etc.), your needs and your profile, if we cannot offer you a Credit-Internet.com financing solution, we are looking among our partners, all specialists in professional loan , the most able to answer your request.
What is a professional loan?
Professional credit is a loan reserved for the liberal professions, craftsmen and traders, farmers, associations, VSE-PME-PMI and auto-entrepreneurs. It is intended to finance professional investments.
Fundable operations
It is a question of financing the needs related to the development of the activity of professionals. The operations financed are often linked to equipment needs, real estate or cash flow requirements. Professional credit allows you to meet your different financing needs throughout the life of your business.
What are the different types of business loan?
The financing of your activity includes different types of professional loans: short-term with, in particular, revolving credit and cash credit, medium-term with factoring and leasing and longer term with depreciable and non-repayable loan. fine.
To obtain this financing it is important to prepare your file well, for this do not hesitate to complete an online form, a Credit Internet expert will contact you.
What guarantees can be requested?
Professional loan guarantees allow lending institutions to protect themselves in the event of default by the business. The guarantees can be taken on goods, on furniture or through specialized establishments.
Choose between fixed rate and variable rate
Depending on the economy and the expected evolution of interest rates, you will have to choose between a fixed rate and a variable rate. In this context, several elements must be taken into account:
Minimize the cost,
Reduce the risk,
Follow his expectations ...
On this last point, expectations of a rise or fall in interest rates have a strong influence.
It is about going into debt at variable rates when you think that the rates will go down.
Conversely, a fixed rate should be chosen if it is considered that the current level of rates is low.
This constitutes a form of speculation representing a risk for the company: increase in the future cost of its financing or loss of opportunity on the cost of its debt.
In particular, it is difficult for a company that is heavily indebted or located in a cyclical sector to take the risk of a rise in rates which would increase its costs.
Negotiate the guarantees required by the lender
Obtaining a professional loan is often conditional on the issuance of guarantees for the benefit of the lender. A distinction is made, on the one hand, between personal collateral which protects the lender by allowing him to act against other people (for example, a manager stands surety) and, on the other hand, real collateral which guarantees the loan. by the allocation of a good to the payment of the loan.
One of the most secure means of guaranteeing repayment is for the lender to take a business asset as collateral. This imposes strong constraints on the company (inability to sell the asset, etc.) but may allow it to lower its financing cost or to find greater financing.
On the positive side, the more substantial the guarantees, the more you will be in a strong position to negotiate the rate of your loan.
What are the advantages of a business loan?
Simple and quick to implement, the professional loan adapts to the requirements of all profiles. This financing solution multiplies the advantages:
The professional loan adapts exactly to the needs of businesses.
The professional loan can be renegotiated when there are changes in cash flow (change in economic conditions, sale or acquisition of assets, etc.).
The interest on a business loan is deductible from your income tax.
Business loans are generally less expensive than leasing.
With Credit-Internet.com, you access professional loan offers allowing you to finance your equipment in several installments, including the most expensive, with maturities perfectly suited to your cash flow. Beyond ensuring you a competitive rate, our experts help you optimize all the terms of your loan, with the best insurance and guarantees on the market.
Good to know
The granting of a loan to finance a professional project is based on the financial strength of your business, present and future. To ensure the confidence of lenders, our experts help you build your financing file by enhancing the anticipated profitability of your investment. In addition, our experts mobilize several levers to optimize the financing of your project.