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Tutti i servizi sono conformi alla normativa italiana vigente (D.Lgs. 385/1993 - Testo Unico Bancario). Le condizioni di concessione del credito sono soggette a verifica e approvazione secondo le regole dell’Autorità Garante e della Banca d’Italia.

SEPA Certified System

THE FUTURE OF YOUR
FINANCING.

A transparent credit platform, guaranteed response within 24 hours, and zero application fees. Simple. Direct. Effective.

Real Estate & Housing Projects

REALIZE YOUR
AMBITIONS.

Funding for renovations, furniture, or energy upgrades. Benefit from a fixed rate locked at 3.00% for the entire duration of your contract.

Business Expertise

POWER YOUR
BUSINESS.

Cash flow solutions, equipment financing, or international expansion. We are the financial partner for ambitious startups and SMEs.

Protocol Active
SEPA Infrastructure v2.4

YOUR
CAPITAL.
just-in-time.

Our Smart-Scoring architecture processes your data via short-circuit protocols. We have removed intermediaries to guarantee fund disbursement within 24 hours, with absolute cost transparency.

High Performance

Instant simulation. Decision in principle within 180 seconds.

EU Compliance

AES-256 bit encryption. Secure data hosting in Germany.

Financing Portal

System Validation in progress

01 Financial Engineering
02 Authentication
Stripe Visa

Zero impact on your current credit score

Certified Reviews

THEY TRUST
OUR EXPERTISE.

4.9

Average rating 1.254 reviews

Discover why our clients recommend our secure digital financing protocol across Europe.

Read all testimonials
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Bram van Dijk

Amsterdam, NL

12/11/2024

"Dutch efficiency at its peak. I needed a bridge loan for my workshop after a refusal from my local bank. Here, I uploaded the documents on Monday evening and by Wednesday morning, the capital was already in the account. Impeccable service."

Business
M

Marc Belmonte

Barcelona, ES

05/02/2025

"I consolidated my three current debts. My monthly payment has been considerably reduced and I can finally breathe at the end of the month. Thank you for the professional support."

Consolidation
J

Jakub Novák

Prague, CZ

22/09/2024

"Finally a serious digital system. I bought my new electric car with a fixed rate that I couldn't find anywhere else on the Czech market."

Auto
L

Luka Marić

Zagreb, HR

15/01/2025

"Very responsive service. I was able to finance my roof renovation before winter. The file was validated in just 24 hours. Great technical support during the document submission."

Renovation
O

Oliver Brooks

London, UK

03/03/2025

"I was skeptical about 100% online loans, but this provider convinced me. Everything is transparent, no hidden fees and perfectly explained."

Personal
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Lucía Ferrero

Madrid, ES

28/10/2024

"Medical emergency handled with extreme professionalism. The only platform to get back to me within hours, allowing me to pay for my son's surgery without exhausting delays."

Medical
J

Jasper Meijer

Rotterdam, NL

19/12/2024

"As a financial analyst, I pay attention to the fine print. Here, no bad surprises during early repayment. The interface is functional and secure."

Investment
P

Peter Baláž

Bratislava, SK

08/04/2024

"Excellent service for Slovakia, very fast, efficient and polite staff."

Personal
A

Anouk de Vries

Eindhoven, NL

14/01/2025

"We had to increase our wedding budget at the last minute. The process was simple, fast, and surprisingly human despite being digital."

Wedding
E

Eva van Leeuwen

Utrecht, NED

30/11/2024

"I am very satisfied with the clarity of the conditions. Everything was done via my smartphone from Utrecht, no more useless paperwork at the bank."

Renovation
P

Petra Horvat

Split, HR

02/02/2025

"Fast, clear and professional. Very good interest rate for my car project in Croatia."

Auto
S

Sophie Bennett

Manchester, UK

12/12/2024

"Financing for my small business obtained without abusive guarantees. Valuable help during the development phase."

Business
Private Sector

Our Solutions
for Individuals

Discover a full range of loans tailored to every stage of your life. Simplified procedures, fixed rates, and total transparency to bring your projects to life with peace of mind.

Prêt Personnel
No proof of use

Agile Personal Loan

Get up to €2,000,000 to finance your cash flow needs, a wedding, or a personal project without providing proof of purchase. Enjoy a guaranteed fixed rate.

Crédit Auto
No Down Payment

Car & Motorcycle Loan

Buy your new or used vehicle with financing covering 100% of the price including VAT. We include registration fees in your monthly payment fixed over 120 months.

Travaux
Home

Renovation & Works

Enhance your property value. Extensions, new kitchens, or energy retrofitting: finance your works with preferential rates and flexible repayments.

Études
Future

Student Financing

Invest in your career. Benefit from a deferred repayment loan: only start repaying the principal once you have secured your first job.

Santé
Confidential

Health & Well-being

Because health cannot wait. Finance medical, optical, or dental care not covered by insurance with an immediate decision in principle.

Événements
Life Project

Wedding & Travel

Finance the most important moments of your life: an unforgettable wedding or the trip of your dreams. We help you spread your expenses calmly.

Total Inclusion

Our system considers all profiles excluded from traditional banking. Whether you are employed (full-time, fixed-term, temporary) or currently unemployed, we analyze your creditworthiness based on fair and human criteria.

24h Transfer

Thanks to the Instant SEPA protocol, funds are credited to your bank account in less than 24 hours following the final validation of your contract.

Data Protection

Maximum security via 256-bit SSL encryption. Your documents and personal information are protected according to the strictest European standards (GDPR).

Business Sector

Expertise for
Professionals

Power your business with agile and high-performance financing solutions. We understand the challenges entrepreneurs face and offer loans tailored to every stage of your growth.

Startup

Startup & Launch

Secure the seed capital needed to launch your business. We finance bold new projects without requiring the standard 3 years of financial statements.

Équipement

Equipment & Machinery

Modernize your production tools. We finance machinery, vehicles, or IT infrastructure with leasing options to optimize your tax strategy.

Trésorerie

Cash Flow & Working Capital

Secure your cash flow. Manage customer payment delays and finance your working capital with a cash injection within 24 hours.

Digital Procedure

How it works

Get your loan quickly and easily in just a few steps. A 100% secure process designed to save you time.

1

Form

Enter your personal details and the desired amount in our secure online application form.

2

Approval

Get a fast pre-approval thanks to the immediate processing of your request by our experts.

3

Contract Signing

Securely sign your loan agreement online through our certified e-signature protocol.

Disbursement of Funds

Once final validation is complete, funds are transferred directly to your bank account within 24 to 48 business hours.

Compliance & Safety

YOUR SECURITY,
OUR PRIORITY.

We operate under the most rigorous European regulatory protocols. Our technological infrastructure guarantees the total integrity of your information assets.

Regulated Institution

Strict compliance with European Banking Authority (EBA) directives.

AES-256 Encryption

All transactions are protected by military-grade encryption.

GDPR Compliance

Your personal data is sovereign and exclusively hosted in Europe.

Knowledge Base

FREQUENTLY ASKED QUESTIONS.

A personal loan is an "unsecured" consumer credit. It allows you to finance any project (cash flow, travel, equipment) without having to justify the use of funds to the institution.
Our portfolio includes: standard personal loans, auto/moto loans, home improvement loans, student loans, debt consolidation, and business credit lines.
We offer flexible terms ranging from 12 months to 300 months (25 years), allowing you to adjust payments based on your actual repayment capacity.
Yes. In accordance with legislation, you can prepay all or part of your credit at any time. No penalties apply to standard consumer loans.
To initiate a financing protocol, you must be at least 18 years old at the time of application, a European tax resident, and have a regular income.
The legal minimum: a valid ID (National ID or Passport), proof of address less than 3 months old, and bank account details (IBAN) for fund disbursement.
Nous appliquons un TAEG (Taux Annuel Effectif Global) fixe contractuel de 3.00%. Ce taux est garanti dès la simulation et reste inchangé pendant toute la durée du contrat.

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