BeFinance
BeFinance
Comment ça marche BeFinance
100% digital process

How does it work?

From simulation to receiving funds, BeFinance guides you through every step with a simple, transparent and fully online process.

5 steps to your financing

A smooth journey, from a few minutes to a few days depending on your file.

1
Free & no registration

Simulate your financing

In seconds, get an estimate of your monthly payment, total cost and applicable rate. No account required.

2 min
To simulate
2
100% online — no account

Submit your application

Directly from the simulator, fill in the application form and upload your documents one by one. Each file is sent instantly. No registration required.

10 min
To apply
3
Response within 48h

Application review

Our team reviews your file, calculates your financing score and assesses your repayment capacity. A response email is sent to you.

48h
Response time
4
Account created automatically

Account access & Signature

If your file is approved, your personal account is created automatically. You receive your login details by email and sign your contract online.

100%
Legally valid
5
Transfer to your SEPA account

Fund release

Funds are transferred directly to your dedicated SEPA bank account, in your name. You then repay by monthly wire transfer from this account before each due date.

D+5
Average release
Dedicated SEPA account

Your SEPA account: dedicated to this loan

To repay your loan, BeFinance asks you to provide the IBAN of a SEPA bank account in your name, separate from your regular current account. This account belongs entirely to you — you open it and manage it.

Each month, before the due date, you make a transfer from this account to BeFinance for the amount of your monthly installment, using your contract reference. No direct debit — you initiate each transfer.

No direct debit
BeFinance does not debit your account automatically. You initiate each monthly transfer. You retain full control over your account.
IBAN provided in your application
You provide your SEPA IBAN directly in the application form. Our team can guide you if you need help opening a dedicated account.
Your account, your name
The SEPA account is opened in your name, at your bank of choice. BeFinance has no access to this account.

How it works

After your funds are released

1
Funds released
After contract signing, funds are transferred to your dedicated SEPA account within 5 business days.
2
BeFinance IBAN sent
You receive BeFinance's receiving IBAN by email. This is where you will send your monthly payments.
3
Monthly wire transfer
Each month, before the due date, you transfer the installment from your SEPA account to BeFinance. Reference: your contract number.
4
Real-time tracking
From your client dashboard, view your full repayment schedule, completed payments, and upcoming due dates.

Which financing for you?

Every situation is unique. BeFinance offers 4 tailored solutions.

Classic loan

Fixed-rate financing for all individuals, with no application fees.

No feesFixed rateIndividuals

Zero-rate loan

0% interest financing with application fees based on eligibility.

0% interestEligibility

Professional loan

Financing dedicated to entrepreneurs, associations and professionals.

Pro & NGOsNo fees

Non-repayable financing

Exceptional schemes for social impact projects, subject to conditions.

Social impactEligibility

Required documents

Everything is submitted online. No travel required.

ID document

  • Valid ID card or passport
  • Selfie with ID document
  • Proof of address less than 3 months old

Income

  • Last 3 pay slips
  • Last tax notice
  • Bank statements for the last 3 months

Professional

  • Kbis or articles of association
  • Latest financial statements
  • Employment contract or proof of activity

Frequently asked questions

Ready to launch your project?

Free simulation, no commitment, response within 48h.

Simulate my financing Faire ma demande