What people ask us most often

We explain what blocked it and, where relevant, what could change the outcome: a co-borrower, a different term, a deposit. You remain free to come back later.

Our preliminary review involves no formal credit enquiry and therefore leaves no trace. A check only happens after you explicitly authorise us to submit the file to a lender.

A preliminary answer within 24 business hours for a personal file, 24 to 72 hours for a business file. Funds are then disbursed within 3 to 10 business days depending on the lender.

No. The form triggers a review, nothing more. You remain free to decline any proposal, without justification.

Often, yes. A refusal reflects one institution's internal grid, not a truth about your creditworthiness. We work with lenders whose criteria differ, and a significant share of our completed files had already been refused elsewhere.

Around 40% in most grids, but that threshold is not absolute: disposable income, income stability and household composition weigh heavily. A file at 43% with comfortable disposable income sometimes passes more easily than a very tight one at 35%.

Yes, it is a large part of what we do. Two closed fiscal years are generally needed; for a more recent activity, other structures exist with smaller amounts.

Photo identification, proof of address, the last three bank statements and proof of income cover most files. Your advisor sends you the exact list after the first conversation.

In almost all cases, yes. Capped penalties may apply depending on the contract and the amount repaid. We check this before signing and flag it to you explicitly.

Many contracts allow you to defer a payment or adjust the instalment, subject to conditions. That is a criterion we look at when comparing, not a detail.

Tell your advisor as early as possible: a difficulty anticipated can almost always be handled (deferral, restructuring, refinancing), whereas an incident already recorded is far harder to fix.

It is used exclusively to review and build your file. It is passed only to the lenders you authorise, never resold, and kept for the periods stated in our privacy policy.

A request to our dedicated privacy address is enough. We delete within 30 days, subject to the statutory retention obligations that apply to us.