Independent by design
No referrals, no commissions, no lender relationships. €25 one-off fee, full stop.
Commissions earned€0
About BorrowProof
The official rate data already exists. We make it readable.
BorrowProof checks 19 countries’ loan rates against the European Central Bank’s own statistics so you can walk into your bank with the same numbers they’re looking at.
FR · Business loan · 10 yr · €2.5M
4.65%Fair
4.20%ECB avg5.50%
ECB avg for this profile4.82%
This is what a benchmark looks like
19 countries
The full Euro Area, each benchmarked against its own ECB data.
10 years
Of ECB interest-rate statistics aggregated and updated monthly.
€25
For full access, including business loan rates and simulator.
Why this exists
The numbers exist. They just live in the wrong place.
Every month, banks across the eurozone report what they charge for new loans. The European Central Bank publishes that data, broken down by country, loan type, and amount.
It’s technical. It’s slow to find. And it’s essentially invisible to the people who actually need it — the borrowers sitting across the desk from their banker.
BorrowProof translates that data into one screen: your country, your loan type, your amount, your rate. And whether what you’ve been quoted is fair.
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MIR.M.FR.B.A2A.AM.R.2.2240.EUR.N
PERIOD 2026-03 · OBS_VALUE 4.82
BS_ITEM Loans to NFCs > €1M, IRF > 5 yrs
DECIMALS 2 · UNIT_MEASURE PCPA
ECB avg, FR business loan4.82%
Your quote, €2.5M / 10 yr4.65%
VerdictBelow average · Fair
"Checking whether your rate is fair shouldn’t be a service you’re billed for every month."
How we operate
Three commitments we keep, in plain language.
Most ‘values’ sections are marketing. These are the three things that actually constrain how we build this product.
Public sources only
Every benchmark traces back to a dataset you can verify yourself. No proprietary scoring, no black-box adjustments.
Public datasets used5 / 5
Plain language, by default
Central bank data is written in basis points and statistical brackets. We translate it into euros, percentages, and verdicts.
Jargon shown to usersNone
Where the numbers come from
Every figure on BorrowProof has a public source.
No private surveys, no lender scoring. All benchmarks are derived from ECB and Eurostat datasets that anyone can audit.
Last refresh: 11 May 2026
ECBMonthly
MIR interest-rate statistics
Country-by-country rates on new loans to households and non-financial corporations.
ECBTwice a year
SAFE survey
Bank approval rates and access-to-finance signals for small and medium businesses.
ECBQuarterly
Bank Lending Survey
Credit standards, demand, and lending conditions reported directly by Euro Area banks.
ECBEvery meeting
Monetary policy decisions
Deposit-facility, refinancing, and lending rates set by the Governing Council.
EUROSTATMonthly
Economic indicators
Sentiment, employment, and inflation series used to contextualise borrowing conditions.
Try it
See what a fair rate looks like in your country.
Free to use — €25 unlocks the full report when you want it.