The Perfect Investment investment credit: a response to your financing needs
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Perfect Investment allows you to finance all your investments in the medium and long term.
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A custom solution for your projects
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Real estate projects for your business, renovation of a building, purchase of hardware and equipment, a car, development of your business...  With Perfect Investment, your projects receive funding to measure.
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A partner who knows your particular needs and share your values
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Independent, small, medium or large business: we know your reality and your specific needs.
Our expertise in sustainable industries is an asset for your project;
We determine together the credit best suited to the legal form and the financial structure of your organization.
Our structure, on a human scale, allows a flexible and transparent management of your file.
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Your project is part of a sustainable approach? You need funding? Ask a credit.
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How to apply?
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We receive applications by e-mail: .................... 
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We ask you to provide the following documents:

 

• The application form (which we will send to you - fill-)

• The annual accounts of the last 3 years (for structures of less than 3 years: annual accounts available)

• The budget of liquidity for the next 12 months (for an appropriation request)

• The business plan (including a financial plan for the next 3 years accounting to verify your ability to repay the credit requested)

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Follow your credit application
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First assessment 

Upon receipt, our credit Committee evaluates your file. At this point, the evaluation focuses on the extra-financial criteria only: what is your sector of activity, your project is sustainable, what is its added value to the company?
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Credit analysis 

If the assessment is positive, our account manager contacts you to assess the feasibility of credit requested (detailed analysis of the project, existing numbers, financial plan, own contributions, the ability to repay, the experience of project leaders).  This phase of analysis gives rise to a credit proposal, presented and argued in credit Committee.
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Decision to grant credit 

If the decision of the credit Committee is positive, you receive a credit offer. In the event of agreement on your part, this offer takes the form of a contract subject to the signature of both parties.
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Provision of credit 

After signature of the contract drawn up by a notary 
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Term of the loan
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The term of your loan depends on the life cycle of the goods that we fund:

 

• 10 to 25 years for real estate.

• from 5 to 15 years for your machines and plants.

• up to 5 years for your company cars.

 
Amount
 
We finance your projects from 5,000 euros.
Our customer advisors analyze each request credit on a case by case basis. 
 

Interest
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We fix your rate in advance for a number of years. This rate is a function of the nature and risk profile of your project, your industry and the evolution of the market. We apply the market interest rates. The most frequent forms to review rates every 3 or 5 years. Our 'fixed rate' formula allows you to combine a fixed rate the first 10 years with revisions every 5 years thereafter.
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Refund
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Depending on your activity, we are looking at all the best formula of refund:
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• constant capital (you pay a fixed amount of capital at each maturity)

• in constant monthly payments

 
Compensation of re-employment
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You can decide to pay off your credit in advance. In this case, we will ask you to pay us compensation of re-employment for 6 months of interest at the rate in force.