The interest rate depends on your company's creditworthiness. After we have reviewed your application, your company receives a rating from A to C, which determines the interest rate. The better the rating, the lower the rate.
For SME loans, the interest rate is between 5.9% and 14.9% per year. Your offer shows the binding interest rate before you decide. The platform fee is added on top, see the fee schedule.
For the rating, we mainly consider:
- Financial ratios from the annual financial statements, for example earning power, debt and liquidity. The most recent year counts more.
- Qualitative assessment: business model, industry and management.
- Security: A guarantee or a mortgage lien can reduce the risk.
- Entries with credit agencies and in the debt collection register.
To get an offer, submit a loan application.