How much does a €100,000 business loan cost per month?

With an example rate of 6.9% and a 36-month term the monthly payment is ca. €1,975. The final rate depends on your company's financials.

What is €100,000 enough for?

Typical uses include stock investments, equipment purchases, marketing campaigns, or short-term working capital needs.

Is collateral required?

No. A €100,000 business loan is generally granted without real-asset collateral. The decision is based on business cash flow.

How quickly does the money reach my account?

Decision typically arrives in 24 hours and money lands within 1–3 business days of signing.

Does it suit a new company?

It also suits new companies if the business has launched and there is evidence of operations. Trading should have run for at least 6 months.

Business loan €100,000

Business loan €100,000 — fast and flexible

Suits SME growth and significant investments. Flexible repayment, no collateral required.

Apply for financing

Instead of a business loan — we recommend invoice financing

Invoice financing is faster, simpler and requires no collateral. You get the cash the same day.

Explore invoice financing

Factoring calculator

See how much you get from your invoices

Adjust the invoice amount and payment term. We show the money to your account today and the fee estimate.

Invoice amount€50,000

€500€1,000,000

Payment term30 days

7 days90 days

To your account today (net)

€49,510

Financing (100 %): €50,000
Fee (0.98 % / 30 days): €490

Start factoring

Money in your account the same day

How invoice financing works

Three steps — your invoice to cash

No long contracts, no collateral, no hidden fees. You only pay for the invoices you finance.

1~ 2 min
Send the invoice
Send your B2B invoice to your customer as usual and copy us. We typically approve financing within minutes.
2Same day
Get the money
We pay up to 95 % of the invoice into your account, usually the same day. The rest is paid out when your customer settles the invoice.
3On due date
The buyer pays us
Your customer pays the invoice to us on the due date. You focus on running your business — we handle the rest.

Benefits of invoice financing

Fixed loan amount €100,000

Repayment 6–60 months as you choose

No collateral or guarantee

Decision in 24 hours

Transparent fees, no hidden charges

Repay early without extra fees

Typical use cases

Significant equipment or vehicle fleet purchase

Opening new premises or expansion

Recruitment of a team

Inventory investment for international expansion

Acquisition or buyout

Comparison

Invoice financing vs. business loan

A business loan is often an expensive and slow solution for a short-term cash need. Invoice financing releases the money that already belongs to you — instantly.

	Invoice financing Recommended	Business loan
Money in your account	Within the same day	1–7 business days
Collateral	Not required — the invoice acts as security	Often a personal guarantee
Commitment	No contract lock-in, use per invoice	12–60 month contract
Financing amount	Scales with your revenue	Fixed loan amount
Cost	Fee from 1.5 % per invoice	Annual rate from 6.9 % + fees
Default risk	Can be transferred to us (non-recourse)	On you

FAQ

Frequently asked questions

Invoice financing application

Apply for a €100,000 business loan

We usually get back to you the same business day. Submitting is non-binding.

See also: €50,000 · €200,000 · Calculator