Business Loan – Fuel for Growth up to 5 Million Euros
A business loan is a financing classic: you receive an agreed amount directly to your account and repay it in fixed installments. Through us, you can apply for financing up to 5,000,000 euros.
Our range covers the entire field:
- •Unsecured business loan: A fast and agile solution that doesn't require real collateral.
- •Secured business loan: For larger investments, where real collateral (e.g., property) enables a lower interest rate and longer repayment period.
But is a loan the best solution right now? If your need is to balance seasonal fluctuations or speed up cash flow, invoice financing or a credit line might be cheaper.
Don't guess – let Trusty find the best option. Our AI CFO analyzes your numbers and tells you whether a direct business loan is the most profitable option for you or if you would benefit from a smarter financing structure.
Trusty's quick analysis: When does a business loan work?
A business loan is a sensible choice when you know exactly where the money is going and how the investment will pay for itself.
Choose a business loan when:
- •You're investing in growth: Buying machinery, renovating premises, or hiring a key person.
- •Predictability is important: You want a precise payment plan for budgeting.
- •Larger projects: You're seeking €10,000 – €5,000,000 in financing.
Consider another option when:
- •You only need a short-term buffer (consider a credit line).
- •Cash flow is irregular and customers pay slowly (consider invoice financing).
Traditional banks or finance companies?
We don't pick sides – we compare both. Trusty fetches quotes from a wide range to ensure the best combination of price and speed.
Traditional banks:
- Often lower interest rates, but almost always require real collateral (secured loan), and processing times are longer (1–3 weeks).
- Suitable for established companies that can provide collateral.
Finance companies:
- Superior in speed (decision even on the same day).
- Flexibly offer unsecured business loans, where a personal guarantee is often sufficient. Interest rates are determined based on company-specific risk analysis.
Frequently asked questions about business loans
(Click on a question to see the answer)
Do I need collateral?
Not necessarily. An unsecured business loan is fast and often only requires a personal guarantee. For larger amounts, a secured business loan (e.g., with property or business mortgage as collateral) reduces the loan price and enables a longer repayment period.
What is the interest rate on a business loan?
The interest rate is always company-specific. It's affected by the company's credit rating, the amount requested, and collateral. That's why we don't provide a "price list" – Trusty compares actual offers so you can see the real price level.
How much loan can I get?
The range is wide: typically €10,000 – €5,000,000. The final amount depends on your company's turnover, repayment capacity, and any collateral.
How quickly will the money be in my account?
At best, the same day. Finance companies' processes are extremely fast. With traditional banks and secured loans, the process typically takes longer.