Business financing
Financial strength for enterprises, freelancers, and businesses: equipment, vehicles, inventory, or cashflow reserves.
Net loan amount
€5,000 – €500,000
Duration
6 – 120 months
Representative APR (example)
ab 5.25 % eff. p. a.
Tailored business capital without protracted delays
KreditFair empowers small and mid-sized businesses and independent professionals to seize opportunities promptly. From operational machinery to working capital bridges, we match your company with lending partners who understand commercial realities.
Key benefits
- ✓For self-employed, SMEs, and founders
- ✓Capital investments and operating cashflow
- ✓Terms tailored to business seasonality
100% Transparency Promise
No upfront fees, no hidden costs. Every offer is completely free and non-binding.
Solution 05
Eligibility & Documentation
Pragmatic assessment of your enterprise:
Trading History
At least 6 to 12 months of active commercial trading with verifiable turnover.
Business Registration
Registered company seat in Germany or the EU (GmbH, UG, sole trader, partnerships, freelancers).
Financial Statements
Current management accounts (BWA) and the last two annual financial statements or tax returns.
Business Purpose
Clear application of funds: working capital, equipment, fleet, or growth investment.
Process
4 Steps to business capital
Swift liquidity to drive enterprise expansion:
Specify funding need
Select required capital and repayment horizon suited to your revenue cycles.
Submit financials
Transmit your recent financial records via encrypted upload to your assigned corporate specialist.
Compare credit terms
We negotiate with specialized SME banks and FinTech lenders on interest rates and security requirements.
Contract & disbursement
Execute agreements digitally. Funds are disbursed to your corporate account without delay.
Simulation
Calculate monthly payment for Business financing
Adjust loan amount and duration according to your individual budget.
Duration
Term comparison
Same amount, different duration: shorter means higher monthly payment but significantly less total interest.
| Duration | Monthly payment | Total interest costs |
|---|---|---|
| 24 months | €535.59 | €854.19 |
| 48 months | €285.64 | €1,710.60 |
| 72 months | €202.81 | €2,602.46 |
| 96 months | €161.77 | €3,529.46 |
| 120 months | €137.43 | €4,491.16 |
Receipt No. KF-012000-060
Date
Monthly payment
Breakdown of your repayment
Remaining balance · Year 1–5
Representative example
Net loan amount €12,000.00, duration 60 months, borrowing rate 6.69% p.a., representative APR 6.90%, monthly payment €235.87, total amount €14,152.11.
Calculations are non-binding simulations based on annuity amortization. Interest rates and conditions depend on personal credit assessment and are finalized in your binding loan offer.
Borrowing money also costs money. Borrow responsibly and ensure monthly repayments are affordable.
FAQ
Business financing FAQ
Mandatory statutory disclosures
Representative APR example: Net loan amount €35,000, 48 months duration, borrowing rate 5.13% p.a., representative APR 5.25%, monthly payment €808.00, total amount payable €38,784.00. Subject to commercial underwriting and credit check.
⚠ Borrowing money also costs money. Only borrow what you can comfortably afford to repay.
Ready for the next step?
Free and without obligation. A personal advisor will get in touch with you.