Flexible financing for entrepreneurs, SMEs and growing businesses. Finance expansion, equipment, working capital and more.
Monthly Payment: 0 €
Total Cost: 0 €
Rate: 6.5%
No commitment • Instant preliminary approval • 100% secure
To cover operating expenses, payroll, inventory, or seasonal cash flow gaps
Typical amount: €10,000 – €50,000
Purchase specialized machinery, vehicles, computers, or tools
Typical amount: €15,000 – €75,000
Opening new premises, recruiting staff, or entering new markets
Typical amount: €20,000 – €75,000
Funding for advertising campaigns, web development, or business initiatives
Typical amount: €5,000 – €30,000
Building up stocks of products, materials, or supplies
Typical amount: €10,000 – €50,000
Consolidate business debts or refinance on better terms
Typical amount: €15,000 – €75,000
Business loans are financing specifically designed to meet the needs of companies, tradespeople, retailers, and professionals. Unlike personal loans, they are intended to finance projects related to your business activity: equipment acquisition, business development, working capital, or expansion.
At Privat Equity, we offer business loans from €5,000 to €75,000 with repayment terms of 12 to 84 months. Our competitive rates, starting at 6.5% APR, are tailored to the economic realities of SMEs and entrepreneurs.
Short-term loan: Financing for 3 to 12 months for immediate cash flow needs, ideal for managing cash flow gaps or financing seasonal inventory.
Medium-term loan: Financing for 1 to 5 years for tangible investments such as the purchase of equipment, vehicles, or machinery.
Long-term loan: Financing for 5 to 15 years for major expansion projects, the acquisition of premises, or commercial real estate investments.
Line of credit: Revolving cash facility to manage daily cash flow fluctuations.
To obtain a business loan from Privat Equity, you generally need to:
Here are the documents generally required when applying for a business loan:
A business loan is designed to finance your professional activity and requires accounting documents from your company. It generally offers higher amounts and terms adapted to the economic cycles of businesses. A personal loan finances your personal needs and is based solely on your individual income.
Yes, self-employed individuals can absolutely apply for a business loan. You will need to provide your revenue statements, bank statements, and proof of business activity for at least 6 to 12 months. The loan amount depends on your level of business activity.
At Privat Equity, you will receive an initial response within 24 to 48 hours. Funds are typically released within 5 to 10 business days after your application has been fully reviewed and the documents have been signed.
For small amounts (up to €25,000), no guarantee is generally required. For larger amounts, a personal guarantee from the manager or a guarantee on company assets may be required, depending on the risk profile.
Yes, all our business loans allow for early repayment. Depending on the amount and remaining term, early repayment penalties may apply (generally limited to six months’ interest). These conditions are clearly stated in your contract.
Rates depend on several criteria: the company’s age, financial health (ratios, cash flow), loan amount and term, sector of activity, and the guarantees offered. Companies with a strong balance sheet and stable business operations benefit from the best rates.
Yes, we support business start-ups. You will need to submit a solid business plan, credible financial projections, and ideally, some personal investment. The amounts and conditions will be tailored to the stage of development of your project.
A business loan can finance virtually all your business needs: equipment and machinery, commercial vehicles, inventory and raw materials, marketing campaigns, recruitment, IT development, renovations, working capital, etc.
