We don't sell loans — we help you check them.
Is my loan rate fair?
You don't have to walk into your bank blind. In about ten seconds, we'll show you where your offer sits against what borrowers across Europe actually pay.
See where your offer sits against what borrowers across Europe actually pay — in about ten seconds.
- Based on the official ECB loan database
- No bank login, no documents required
- One-time fee — no subscription
Here's what you'll see back
A verdict in plain language. Numbers you can take to your banker.
Your rate of 4.55% is slightly above what other German businesses pay for this exact loan profile.
On a €2,000,000 business loan over 10 years, the ECB benchmark is 4.30%. Your quote is 0.25 pp higher than the market average — not a red flag, but a clear opening to negotiate.
Where your rate lands
Sourced from the official ECB loan database for Germany business loans, refreshed monthly. You can take this number into the negotiation room. See the methodology →
The cost of not checking
On a €2,000,000 business loan over 10 years, a quarter of a percentage point is worth
A hire. A piece of equipment. A quiet leak in your cash flow that nobody in the room is going to point out to you.
What this gets you in the room
- 01
An anchor, not a feeling.
“The ECB average for this exact profile is 4.30%. You're quoting me 4.55%.”
- 02
A number with weight.
“Across ten years, that gap costs us €28,861. What can you do on the rate?”
- 03
A reason to ask.
“What in our profile puts us 0.25 pp above the market for this loan type? If that's the right risk premium for us, we'll sign. If not, where can we land?”