Resources & Guides
Everything you need to know about financing, loans and managing your money.
Free guides
First loan guide
Everything you need to know before making your first financing application.
Optimizing your scoring
How to improve your financial profile to maximize your chances of obtaining financing.
Non-repayable financing
Complete guide on exceptional schemes and eligibility conditions.
Financial glossary
Debt ratio
Ratio between your credit charges and income. Should not exceed 35%.
APR
Annual Percentage Rate. Includes all credit-related costs for objective comparison.
Amortization
Progressive repayment of the borrowed capital.
KYC
Know Your Customer — Mandatory identity verification process.
Dedicated account
Separate bank account opened in the client's name to receive financing funds.
Credit incident file
File of repayment incidents for individual credits.
Guarantee
Security provided by a third party who commits to repay the credit.
Scoring
Score assigned to a financing file to assess risk. BeFinance uses a 100-point model.