Any adult resident of the 193 countries, as well as entrepreneurs and legally registered companies, are eligible to obtain credit.

1 – To have a fixed and regular income

2 – Have a low debt-to-income ratio

3 – Have sufficient disposable income

4 – Be at least 18 years old

5 – Personal contribution (for business loans)

6 – To have a good financial situation

📄 Documents required for your credit application

• A valid ID (identity card or passport)
• A proof of income (pay slips, bank statements, etc.)
• And recent proof of address
• THE recent bank statements (usually the last 3 months)
• And RIB / IBAN

🧾 For entrepreneurs / professionals

• THE documents relating to the activity (trade register, articles of association, etc.)
• THE recent financial statements
• THE tax returns
• And business plan or forecast (if necessary)

Yes, we assess cash flow and profitability if the data is up-to-date. However, if this information is incomplete, we adapt our approach. We then focus on the purpose of the loan , the the soundness and integrity of the directors, the value of your mortgage guarantee and the clarity of your exit plan in order to make a quick decision.

Yes. We offer tailored financing solutions to independent professionals and businesses to support their activities and growth.

Traditional banks are often unable to provide the short-term financing you need, not for lack of will, but because their slow and rigid procedures do not allow them to meet your deadlines.

Lender-Private specializes in this segment of the credit market. We offer urgent financing to borrowers with significant assets who need quick access to funds but don't meet the criteria of traditional lenders. Our asset-backed financing approach leverages the value of your real estate as collateral to mitigate risk, ensuring you obtain the commercial real estate financing or investment loan you need in an emergency.

The loan application takes place online, followed by an analysis of the file, a personalized proposal and, after approval, the signing and transfer of funds.

We offer you over 20 years of expertise in credit assessment and granting to provide you with reliable solutions tailored to your needs.

All our decisions are made internally by experts, according to a rigorous policy, to guarantee you speed, transparency, and efficiency. With us, you benefit from personalized support and communicate directly with professionals who understand your challenges and are committed to finding the best solution for you.

Processing time varies from 24 to 48 hours, depending on the complexity of the case, but we strive to ensure fast and transparent processing.

Yes. All data is protected in accordance with the GDPR and processed with the strictest confidentiality.