Apply for your online loan in a flash now with innovative processes and state-of-the-art technologies
Start here with one click
After simply registering, customize your loan to fit your needs with our financing calculator.
For complete convenience, you will find all the requested data transparently and at a glance in the application section customized for you. All of this is completely unbureaucratic and fully digital.
We check your submitted application immediately. You will receive your loan approval within one day and will be informed directly of the conditions offered to you.
You can easily sign the final loan agreement electronically.
Immediately after signing the contract electronically, you can identify yourself online via video.
Alternatively, we also offer a PostIdent procedure. In this case, identification takes place directly at a post office.
In the final step, our partner bank Solaris SE checks the loan - the disbursement of your desired amount takes place within only 1-3 business days.
For example, renovation, equipment financing, working capital financing, liquidity financing, etc.
A person acquires shares in an already established company.
The company was founded, but no annual financial statements are available yet.
The company has not yet been established.
Company details
Basic company data
Address
Contact
Balance sheet documents:
Legal form-dependent documents (e.g. excerpt from the commercial register)
Loan history
Personal data loan applicant
Basic data
Address
Contact
Economic conditions
Proof of qualification:
Information on the corporate structure
Beneficial owner:
Legal representative:
Bank details
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.
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.
Our rating classes range between 8 categories from 'A' (very good) to 'H' (request is rejected). Based on your CAPTIQ rating, your loan interest rate is finally calculated as follows:
Interest rate p.a.
1,99% p.a.
A
3,89% p.a.
B
4,89% p.a.
C
5,69% p.a.
D
5,79% p.a.
E
5,89% p.a.
F
5,99% p.a.
G
Loan request is rejected.
H
CAPTIQ rating classes
No equity claims
No collateral required
No proof of use of funds required
Full or partial repayments free of charge at any time
Fixed interest rate for the entire term
In order to be able to grant you a loan, refinancing of the loan amount granted is necessary. CAPTIQ raises the capital for refinancing through a bond issued by itself.
Institutions such as pension funds invest in this bond, creating a win-win situation. Investors gain access to a new alternative asset class, while you as a chamber professional are provided with capital for your professional ventures.
In addition, this creates an innovative intergenerational contract that establishes a cycle between, for example, pension funds as investors and you as the chamber's professional borrower.
The loan itself is granted via our partner bank Solaris SE. The cooperation with Solaris, which specializes in Banking-as-a-Service, enables the lightning-fast handling and processing of your loan applications.
For you as a borrower, it is important that CAPTIQ maps the entire credit value chain and that we remain your contact for all matters relating to your loan, both before and after disbursement.
Are there any requirements for equity or proof of equity?
With CAPTIQ, neither equity capital has to be deposited nor proof of assets is required. This noticeably simplifies the application process for you and makes you less tied down.
How quickly will I get my CAPTIQ loan paid out?
After submitting your loan application, it will be processed immediately. You will receive the result of the credit check after a maximum of 1-2 working days. This is followed by the online contract signing, video identification and a final check by our partner bank Solaris SE. The payment is finally made within 1-3 business days.
For more information on the application process, simply click here.
How is the credit rating determined at CAPTIQ?
CAPTIQ's rating model for determining creditworthiness comprises numerous internally and externally related information about you and your company. Particularly relevant here are the key financial figures of your company as well as your personal creditworthiness. Depending on the purpose of the loan and other circumstances, these factors are weighted differently. Ultimately, this results in the credit rating.
How does the electronic signature work?
The electronic signature takes place via our partner DocuSign. You will receive your personal loan agreement via e-mail, which you can then view online and sign easily, quickly and legally with just a few clicks.
What is the identification procedure?
For identification, you have the choice between performing a video identification or a PostIdent procedure.
The video identification is handled by our partner IDNow and can be performed online in a few minutes.
If you use the PostIdent procedure, you must identify yourself with your ID card or passport in a branch of the German Post - this process may, however, lead to slight delays in the payout.
How does the redemption work?
The CAPTIQ loan is an annuity loan. This means that you pay constant monthly installments. These are automatically collected from your account by SEPA direct debit mandate in the first month after disbursement. Unscheduled repayments are possible at any time - even in full - allowing you to shorten your term.
Is there an early repayment penalty for early repayment?
We do not charge an early repayment fee. You can conveniently repay the loan early without incurring any fees. Unscheduled repayments in any amount are also possible at any time, allowing you to shorten your term.
How can I make unscheduled repayments?
Should you wish to make a special repayment, we ask that you contact us at least two weeks before the end of a month here via our contact form.
Please indicate here your loan number (to be found in your dashboard), your full name, your email address and the desired amount and timing of the special repayment. We will then contact you for the further steps.
I have forgotten my access data - who can I contact?
If you have forgotten your password to your CAPTIQ account, you can reset it via this link after entering your email address by clicking on 'Have you forgotten your password'.
If you have forgotten the email with which you registered at CAPTIQ, please use the contact form to get in touch with us.
What happens with my personal data at CAPTIQ?
We collect from you only the most necessary personal data for credit application.
We attach great importance to data protection and all our data is processed on German servers.
Detailed information on data protection can be found here.
Is CAPTIQ a bank? How is CAPTIQ different from a bank?
No, CAPTIQ does not have a banking license. Instead, we cooperate with Solaris SE from Berlin, a German company with a full banking license, which acts as a so-called fronting bank for us.
This means that the loans are granted via Solaris SE, but CAPTIQ handles the application, credit check and refinancing of the loans.
If you want to find out more about this, please click here.
