The CAPTIQ Financiability Check
Does your loan match our financing criteria?
Professional Group
Is the borrower a member of a chamber profession or a chamber professional company from the following list?
Why does CAPTIQ only finance chamber professionals?
Our credit and risk system is specifically tailored to the statistical default probability of these professional groups because they are clearly regulated and often have high creditworthiness, representing a lower loan risk.
Why does CAPTIQ only finance chamber professionals?
Our credit and risk system is specifically tailored to the statistical default probability of these professional groups because they are clearly regulated and often have high creditworthiness, representing a lower loan risk.
The most frequently asked questions
Why is the profession and intended use asked for?
Specifying the professional group and the intended use helps us to categorize the request. Our loans are specially tailored to professional groups and purposes, so this information is essential for us.
Why do you need up-to-date information on the current BWA and the annual financial statements?
A current annual financial statement and an ongoing business analysis give us an insight into the financial situation and solvency of applicants. This information is crucial for the assessment of the loan application.
What significance does the age of the borrower have?
The age of the borrower is an important factor, especially for loans with long terms. It can have an impact on the ability to repay and is therefore queried in order to be able to assess the risks appropriately.
Why is the economic situation being asked about?
The question about the financial status serves to ensure that the borrower has a stable financial basis and that the loan can be expected to be repaid properly. This helps to minimize risk and provides security for both the borrower and the lender.