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Business loan — corporate financing
To invest,
To invest,
without diluting capital.
From €5,000 to €500,000, over 12 to 120 months. Fixed APR from 3.20%, with no origination fees and no excessive pledge.
3.20 %
Min. fixed APR
€0
Origination fees
—
Outside consumer credit scope
Business loan simulator
Desired amount
Term
2 months400 months
Purpose (optional)
Monthly payment
/month
APR
Total cost of credit
Total amount due
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Representative example. A loan is a binding commitment that must be repaid. Check your ability to repay before signing.
Why Calp
Four simple commitments, contractually upheld.
Fixed APR over 10 years
Stable contractual monthly payment. No indexation on the company's performance.
No origination fees
No application fees. No excessive pledge on current accounts.
Business analysis
Preliminary decision within 5 business days of receiving a complete application (accounts plus forecast).
Early repayment
Indemnity legally capped at 6 months of interest on the outstanding capital.
Detailed terms
A documented project,
A documented project,
tailored financing.
- Minimum amount€5,000
- Maximum amount€500,000
- Minimum term12 months
- Maximum term120 months
- Supporting documentAnnual accounts and business plan
- Origination fees€0
- Borrower insuranceKey person cover recommended
- Disbursement of fundsWithin 30 days of acceptance
- Early repaymentCapped at 6 months of interest
- GuaranteeDepending on amount and structure
Indicative fixed APR scale
Excluding insurance. Updated 12 May 2026.
| Borrowed amount | Term | APR |
|---|---|---|
| €5,000 — €25,000 | 36 months | 4.20% |
| €25,000 — €75,000 | 60 months | 3.80% |
| €75,000 — €150,000 | 84 months | 3.40% |
| €150,000 — €300,000 | 84 months | 3.20% |
| €300,000 — €500,000 | 120 months | 3.20% |
| €300,000 — €500,000 | 120 months | 3.40% |
Representative example: for a business loan of €100,000 over 84 months at a fixed APR of 3.40%, you repay 84 monthly payments of €1,343.18. Total cost of credit: €12,827.
Why choose Calp for your business loan
Four commitments to fund your business
Business loans fund the investments necessary for a small or medium business or independent professional. Calp offers fast analysis without systematic collateral, by analysts who understand operating cycles.
No systematic pledge
For amounts up to EUR 100,000, no pledge of business assets or financed equipment is required. The director's guarantee suffices, capped at 50% of the loan, in line with regulations protecting entrepreneurs.
Decision within 5 business days
Full financial analysis by a dedicated business credit analyst, within 5 business days from full file submission. No anonymous credit committee, no automatic scoring: a human validates every approval.
Deferment available
Amortization deferment from 6 to 24 months depending on the investment, particularly useful for productive equipment acquisitions or new establishment openings requiring a ramp-up period. Only interest is paid during deferment.
Adapted to all legal structures
Sole proprietorship, LLC, SAS, holding company, liberal professions, growing micro-entrepreneurs. Calp funds all structures from one year of operation, including farming and activity cooperatives.
Eligibility criteria
Who can apply for a Calp business loan?
The Calp business loan is for active directors and independents operating for at least 12 months, with at least one closed accounting year. Business creations are studied on a specific file basis (honour loans, micro-business credit).
- Director's age18 to 70 at last due date
- Registered officeEU, EEA or Switzerland
- Minimum annual turnoverEUR 30,000 / year
- Business age12 months minimum
- Self-financing capacityPositive on last fiscal year
- Central bank ratingInvestment grade or equivalent
Documents to submit with your application
PDF upload from the pro area. Decision within 5 business days. Free personalized study without commitment.
-
Director's ID and company registration
Director's ID or passport and any co-borrower's. Company registration extract less than 3 months old (or European equivalent: commercial register extract). Updated articles of association if recent changes. -
Last two balance sheets and tax returns
Balance sheet, profit and loss, annexes and full tax return for the last two closed fiscal years. For micro-entrepreneurs: revenue declarations for the last 24 months and corresponding tax notices. -
Interim accounting position
If the last balance sheet is over 6 months old: interim accounting position less than 90 days old, signed by the accountant. For independents: general ledger of current accounts and supplier debt statement. -
Quote or purchase order for the investment
Signed quote or purchase order for equipment, vehicle, work or business assets to be financed. For cash flow: 12-month forecast justifying the need and the repayment plan. -
Last three months of business bank statements
Statements for the professional account and any secondary account used for the business. Used to check operating flows, income regularity and absence of incidents.
Typical use cases
What is the Calp business loan used for?
Calp business loans fund all investment and development needs for small and medium businesses. Below are the four most frequent uses observed in 2025.
Productive equipment purchase
Industrial machine, medical equipment, construction equipment, fleet of light commercial vehicles, professional tools. Average amount EUR 48,000, average term 60 months. 36% of files.
Premises fit-out and renovation
Fit-out of new commercial premises, restaurant, medical practice, agency. Energy renovation, accessibility compliance. Average amount EUR 65,000, term 72 months. 24% of files.
Cash flow and working capital
Cash flow buildup or rebuild, seasonal stock financing, advance on large orders. Shorter term (24 to 48 months). Average amount EUR 32,000, term 36 months. 22% of files.
Business assets or shares acquisition
Business assets buyout, company takeover, capital increase, buyout of an outgoing partner's shares. Average amount EUR 120,000, term 84 months. 18% of files.
Frequently asked questions
Your questions, our answers.
01
Which structures are eligible?
Micro and small businesses, SMEs, liberal professions, craftsmen, retailers. Sole traders accepted on review (minimum 2 years of activity).
02
Is a personal contribution required?
Recommended at 20-30% for start-up projects. Possible at 0% for established businesses with positive accounts.
03
What guarantees are required?
Depending on amount and nature: director's surety, financed equipment guarantee, or external mutual guarantee. No excessive personal pledge.
04
Can business creation be financed?
Yes, based on a documented business plan and a personal contribution. In-depth review applied systematically.
05
Is the business loan guaranteed by the director?
For amounts up to EUR 100,000, a personal guarantee by the director is required, capped at 50% of the loan in line with applicable law. Beyond EUR 100,000, an extended guarantee may be studied, but Calp also accepts external guarantees (Bpifrance, France Active, mutual guarantee companies) which reduce the director's personal commitment.
06
Can I finance a business creation?
Not via the Calp business loan, which requires at least 12 months of activity and a closed accounting year. For creations, Calp redirects to partner schemes: honour loans (Initiative France, Entrepreneurs Network), professional microcredit (ADIE), Bpifrance creation guarantee. Our service opens a joint file to facilitate orientation.
07
What is the tax impact of a business loan?
Business loan interest is fully deductible from taxable income, reducing corporate or personal tax depending on the structure. For an investment loan, the financed equipment is also depreciable over its economic lifespan, generating annual additional deduction.
A business project,
a contractual financing.
No excessive pledge, no disproportionate personal commitment, no compulsory ancillary product.
