Tailor-made for you as a chamber professional
Realize your dreams now
All business purposes - including incorporations / acquisitions / debt rescheduling, etc.
Flexibly selectable loan amount from € 5,000* to € 250,000 (*start-up financing from € 75,000)
Duration from 6 up to 120 months
No equity required
No collateral required - also no restrictions for founding doctors.
No proof of use of funds required.
Multiple loan offers, if available
Flexible unscheduled and full repayments free of charge at any time
Marketable interest rate: See here
Free application and credit check.
Fully digital credit process convenient to do online, no paper work.
Tailored application process - all data transparent at a glance
Payout in a few working days depending on the loan offer
Our record: 2 hours, 43 minutes from application to payout.
Fixed interest rates over the entire term - no unpleasant suprises or interest rate hikes.
One-time brokerage fee of 3.00% upon successful payout
We will take personal time for you.
Book an appointment now!
When looking for a suitable loan, the loan interest rate is always important. This results from your creditworthiness, the so-called credit rating.
CAPTIQ's rating model for determining creditworthiness is precisely tailored to regulated professionals. Numerous internally and externally related information about you and your company are used for the evaluation.
Particularly relevant are the financial ratios of your company and your personal creditworthiness. These factors are weighted differently depending on the intended use and other circumstances. While, for example, personal creditworthiness plays an important role in start-up financing, the key financial figures of your company are the main focus of follow-up financing.
The credit assessment may differ from financier to financier, but CAPTIQ always has high quality standards, which means that the credit assessment is always coordinated with us.
Ultimately, the decisive factor for the CAPTIQ rating is the deviation of your probability of default from the statistical mean for your occupational group. The probability of default indicates the likelihood that a borrower will be unable to service a loan.
No equity claims
No collateral required
No proof of use of funds required
Overview of several loan offers (if available)
Fixed interest rate for the entire term
Selection from hand-picked financing partners
CAPTIQ only offers unsecured loans. This means you do not have to deposit any collateral such as a land charge, as is the case with most loans.
This means that CAPTIQ does not need to check the collateral, which would otherwise be a time-consuming process, and you benefit from an uncomplicated process and quick receipt of your loan.
Furthermore, we require no equity - and that regardless of the loan amount. Thus, with our loan we offer you a top overall package with the best possible freedom and full transparency without any hidden costs.
For a loan without collateral and equity, we require that our clients have necessary expertise and high qualifications through their chamber accreditation. After all, at CAPTIQ we trust our elite clients because we consider you experts in your field. We offer you the deal you have earned and therefore enable you to get a straightforward premium loan.
Secured loans are loans or credits for which you must present certain collateral, depending on the conditions. These are usually certain rights over parts of your assets.
Common collateral for the bank is, for example, a land charge or mortgage on your own property, building savings contracts or even securities. Guarantees are also common, which means that other people must vouch for you in the event of your inability to pay.
Collateral and equity requirements increase the application effort for you and also make the processing and review process significantly more laborious and lengthy. Furthermore, secured loans are usually significantly less flexible and tie up parts of your assets for many years.
Collateral and equity are often required to meet regulatory standards despite your high qualifications and payment record. These are not necessarily related to the individual customer and therefore do not adequately reflect the ability of the borrower to meet its payment obligations.
From CAPTIQ for you as a regulated professional:
Apply for loan without collateralHow can I register with CAPTIQ?
First of all, a registration with CAPTIQ is necessary. This requires only a few basic data and a valid e-mail address. After your registration, you will receive an e-mail to activate your CAPTIQ profile. Immediately afterwards you can start with your personal loan application.
If you are already registered, you can log in here.
How do I request a loan from CAPTIQ?
After successfully registering with CAPTIQ, you can easily start a loan application via your personal dashboard. Simply select your professional group, your intended use and the desired amount and duration. Your individual application form will then be generated, which you must fill out completely for your loan application.
If you are not yet registered, you can start a loan application directly here and complete your registration.
How long does it take to apply for a loan with CAPTIQ?
The application route is customized for different professions and purposes and therefore the data requirements and thus the time needed for the application may vary - usually the preparation and submission of a credit application is done within a few minutes.
Once submitted, the application is processed immediately and can be disbursed to you in up to 3 business days, depending on the offer.
For more information on the application process, simply click here.
What documents do I need for submission?
The required documents depend on your occupational group and your intended use. The data requirements of our lean, customized application route are kept to a minimum. For example, we do not require proof of income or security to make it as easy as possible for you.
You can get an initial overview of the data and documents you need here.
Is there a cost for me to apply for credit?
There are no costs for you when applying for a loan - the application and credit check are free of charge and non-binding. Only after the contract has been signed and the loan has been successfully disbursed do monthly costs arise in the form of the installment payments due.
How quickly will I get my CAPTIQ loan paid out?
After submitting your loan application, it will be processed immediately. Depending on your loan request, you will receive a selection of several offers if you have the appropriate credit rating. This is followed only by the online signing of the contract, a video identification and a final check of our partner bank. The duration of the disbursement varies between 1-3 or up to 7 days, depending on the financier.
For more information on the application process, simply click here.
Who can apply for a loan from CAPTIQ?
All persons working in one of the above-mentioned professions can apply for a loan at CAPTIQ. Of importance is membership in the respective professional chamber and an active practice or planned commencement of a chamber-professional activity. We offer both start-up loans and follow-up financing for existing companies with a wide range of legal forms.
What can I use a CAPTIQ credit for?
Our premium loan can be used for all kinds of business purposes. These include start-ups as well as various follow-up financing (eg equipment financing, debt restructuring, renovations, etc.).
The special thing about it? We do not require any proof of use of funds from you.
Are there any special requirements for loan applications with a partner bank?
Lending through our hand-selected financing partners always takes place in close cooperation with CAPTIQ. This means that the highest quality standards are always maintained when modeling the entire loan process, so that our customers can benefit from processes that are ideally suited to them and a tailor-made loan.
What kind of loan is the CAPTIQ loan?
The CAPTIQ Premium loan is an annuity loan. This means that you pay monthly interest and repayments in the form of constant installments. Due to the constant installments, the interest amount decreases and the repayment portion increases as the term increases.
Is CAPTIQ a kind of bank?
No, CAPTIQ does not have a banking license. Instead, we cooperate with individual, hand-picked partner banks such as Anadibank from Austria or Solaris SE from Berlin, a German company with a full banking license, which acts as a so-called fronting bank for us.
CAPTIQ models the entire loan process together with the refinancing partners. This means, the loan origination takes place in cooperation with our partner banks, but the application and refinancing of the loans is done by CAPTIQ.
If you want to find out more about this, please click here.
