A business loan is a financial instrument designed to finance business investments, whether tangible, such as the acquisition of machinery or premises, or intangible, such as working capital requirements or the financing of business assets. It is aimed primarily at small and medium-sized businesses, retailers, craftsmen and self-employed workers.

This type of loan can cover all or part of the investment amount, with repayment terms ranging from 2 to 15 years. Interest rates can be fixed, meaning that the rate and monthly payment remain constant throughout the term of the loan, or variable, with a fluctuation based on a reference index defined at regular intervals, leading to a variation in the monthly payment.

To obtain the desired financing, it is generally necessary to provide a guarantee. This can take various forms, such as a guarantee issued by the manager or a specialized company, a pledge of the business, etc. In addition, the bank may require life/disability insurance covering the manager. In addition, the bank may require death and disability insurance to cover the executive.

Business credit is an essential tool for companies to develop their activities and invest in their growth. At Digital Financia, we understand the importance of this type of financing, and offer tailor-made solutions to meet the specific needs of every business. Contact us today to discuss your plans and how we can help make them a reality.