Business Loan — Up to €500,000 | SOFIES
Grow your business with the SOFIES business loan. Up to €500,000, from {rate}% APR, funds available in 15 days.
Your business deserves fast financing.
Equipment, vehicles, premises, working capital, acquisition — our business loan covers every need. Fast decision, dedicated advisor, negotiated rates.
For freelancers, craftsmen, retailers, professionals and SMEs. Flexible terms that adapt to your seasonality and revenue cycle.
Loan terms and features
Loan Amount
Up to €500,000 Financing Capital
Tailored to Your Specific Project
Repayment Term
2 to 15 Years Flexible Term
Term Adapted to Investment Profitability
APR
From 3.2% Competitive APR*
Specifically Negotiated Preferential Rate
Security
Mortgage, Pledge or Corporate Guarantee
Customised to Financed Amount
Why choose this loan?
- Preferential rate : Specially negotiated conditions for businesses.
- Dedicated advisor : A business expert with you from start to finish.
- Flexible monthly payments : Adapted to your business seasonality.
- Funds in 15 days : Available quickly after file approval.
- Tax advantage : Loan interest fully deductible from taxable profit.
Eligibility criteria
Business conditions
- Business operating for at least 2 years
- Officially registered and legally operated activity
- Stable turnover with positive development
- No financial difficulties or payment delays
Financial criteria
- Repayment capacity demonstrated by business profitability
- Sufficient equity for financing stability
- Minimum 20% personal contribution recommended
- Appropriate collateral according to amount
Required documentation
Required documents
Business documents
- Business registration extract less than 3 months old
- Current company articles of association
- Last 3 certified annual accounts
- Tax returns for the last 3 years
- Business bank statements for the last 6 months
Director's documents
- Valid identity card or passport (front and back)
- Director's income documentation
- Personal assets declaration
- Personal bank statements for the last 3 months
Investment project
- Detailed financing plan
- Supplier quotes and investment proposals
- 3-year business plan with profitability forecasts
- Description of proposed collateral
Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
Legal notices
- *APR : Representative example : business loan €100,000 over 10 years at 3.8% APR : 120 payments of €1,017, total €122,040 (credit cost : €22,040).
- Collateral : Mortgage on commercial property, pledge or personal guarantee depending on amount and term.
- Insurance : Key person insurance strongly recommended to secure the loan.
- Tax : Loan interest fully deductible from taxable profit.
- Flexible repayment : Payment modulation possible according to your business seasonality.
Accelerate your business growth.
Finance Your Strategic Professional Projects with Our Dedicated Business Loan
