Business financing simulator: your loan at the best rate
Estimate your monthly payment, total cost and an indicative rate, for a need from €10K to €50M. Business, premises, franchise, equipment or refinancing acquisitions… our experts support you from structuring the project to receiving the funds.
Our business financing calculator gives you, in seconds, an estimate of your monthly payment, the total cost of credit and an indicative rate, based on the object, amount and term of your project. Free and with no commitment, it helps you frame your need before being connected with the most suitable lenders. The estimate is indicative and non-contractual: actual rates depend on your company's profile and the partners approached.
How does the calculator work?
Choose the object and amount
Select the financing object and enter the amount sought (from €10K to €50M).
Adjust the term and rate
Vary the repayment term and the rate to refine the estimate.
Get your estimate, then the best offers
The calculator shows your monthly payment and total cost. Then request the best offers from our partner lenders.
Why choose us?
The most complete broker on the market
We negotiate with more than 7,000 lenders to secure the best conditions for you.
Exceptional speed
Response in less than 24h. Your funds received quickly to start your project.
Full support
From structuring the project to receiving the funds, our experts guide you at every step.
Understanding business financing before you commit
Before applying for a loan, it helps to define your need, anticipate the true cost of credit and identify the type of financing best suited to your project. This guide supports your simulation and helps you engage effectively with lenders.
The types of financing you can simulate
Our simulator covers every business financing need, whatever your stage of growth.
Acquisition financing
Buying a company, shares, business goodwill or commercial premises, or taking over a franchise: these deals are usually financed with an amortising loan over 5 to 7 years, sometimes combined with senior or mezzanine debt for larger amounts.
Equipment financing and leasing
Purchasing machinery, vehicles or production tools can be funded through a conventional loan or a finance lease, which preserves your cash flow by spreading the cost and keeping a purchase option at the end of the contract.
Working capital financing
To cover your working capital requirement, several solutions exist: authorised overdraft, treasury line, factoring (financing your customer invoices) or inventory financing. They provide short-term flexibility.
Refinancing and debt restructuring
Consolidating several loans, renegotiating a rate or extending a term can lower your monthly repayments and restore your investment capacity. Refinancing is assessed case by case, according to your profile and market conditions.
How is your monthly repayment calculated?
Capital, term and rate: the three levers
Your monthly repayment depends on the amount borrowed, the repayment term and the annual rate. A longer term lowers the repayment but increases the total cost; a shorter term does the opposite. Adjusting these sliders in the simulator instantly shows the effect of each parameter.
Indicative rate, APR and total cost of credit
The rate shown is indicative and reflects market ranges. The APR (annual percentage rate) also includes arrangement fees, insurance and security: it reflects the true cost of your financing. The total cost of credit is the sum of the interest paid over the whole term.
The effect of down payment and security
A personal contribution, a guarantee, a pledge or a mortgage reassures the lender and often secures a better rate. The lower the perceived risk, the more favourable the terms offered.
Preparing your financing application
The documents to gather
Prepare your last three financial statements, a business forecast, a business plan, recent bank statements and, depending on the project, a sale agreement or letter of intent. A complete file significantly speeds up the review and the lenders' response.
The criteria lenders assess
Banking partners examine your repayment capacity, the profitability and financial strength of the business, the consistency of the project, and the contribution and security offered. A well-prepared file improves your chances of approval and shortens turnaround times.
Frequently asked questions
Is the calculator free?
Yes, the simulation is entirely free and with no commitment.
Are the rates shown contractual?
No. They are indicative, based on market ranges, and vary according to the company's profile and the partners approached.
What amounts can I simulate?
From €10K to €50M, depending on your financing object.
How quickly do I get a response?
In less than 24h after your request.
How is the rate determined?
Based on your company's profile, the object and term of the financing, and the banking partners approached.