DIRECT
FLOW.
We have deconstructed the traditional banking model to eliminate bureaucracy. Our digital protocol processes your application with surgical precision, offering an immediate response based on your real budget.
Our Algorithm
BEYOND
PERMANENT CONTRACTS.
Most banks use decades-old eligibility criteria, systematically excluding entrepreneurs, temporary workers, or retirees. Our 'Smart-Scoring' technology analyses your overall financial behaviour. We don't just ask if you have a permanent contract, but whether you have the real and serious capacity to repay your commitment.
Loan Architecture
It all starts with total transparency. Via our high-precision configurator, you determine the capital required and the repayment schedule.
Unlike misleading promotional offers, the rate you see is the actual rate applied. No hidden fees are added, and no optional insurance is forced upon you. You maintain absolute control over the total cost of your financing.
Cognitive Analysis
Our form is designed to respect your time. In less than 5 minutes, you provide the essential information needed to build your financial profile.
Thanks to our automated processing, we don't require piles of paperwork. We focus on identity and creditworthiness data. Your application is instantly analysed, guaranteeing a decision in principle in real-time.
Transfer Execution
Final validation triggers the electronic delivery of your contract. Signing is done via a secure SMS protocol with two-factor authentication, carrying the same legal weight as a handwritten signature.
Once signed, the transfer order is automatically injected into the SEPA system. Depending on your bank, funds are credited within 24-48 business hours. The wait is over; your project begins.
Contract Configuration
Your APR (Annual Percentage Rate) is contractually locked at 3.00%. No revaluation is possible during the term, protecting you from market fluctuations.
COMPLIANCE
Minimum Legal Requirements
Identification
Valid European ID or International Passport to authenticate your profile.
Location
Proof of address less than 3 months old (utility bill) to validate your tax residency.
Transfer
Your European IBAN for immediate fund injection following approval.
READY TO LAUNCH
YOUR PROTOCOL?
Guaranteed response within 24 hours