Financing
Financing solutions, explained before you apply
Six routes, each with a different purpose, a different assessment and a different set of risks. Start by finding the one that matches your situation.
Choosing a financing route
The right product is usually decided by three things: what the money is for, how long you need it, and what you can offer in support of the request. A short-term working capital need and a twenty-year property purchase are not variations of the same decision.
The categories below describe what each product is designed to do. None of them is presented with a rate, because a rate that has not been assessed against a real file is a guess, and a guess is not information.
Categories
Six routes. The amount available depends on the project, which is why each carries its own range rather than one headline figure.
1 500 – 100 000 €
Personal loans
Unsecured borrowing for a defined personal purpose, repaid in fixed instalments.
- Fixed schedule
- No security over your home
- Up to 120 months
5 000 – 2 000 000 €
Business loans
Funding for working capital, equipment, hiring or expansion.
- Assessed on cash flow
- Up to 180 months
- Personal guarantee may apply
25 000 – 5 000 000 €
Mortgage and property finance
Long-term lending secured against residential or commercial property.
- Up to 360 months
- Valuation required
- The property is at risk
3 000 – 150 000 €
Vehicle and auto financing
Financing for a private car, a commercial van or a small fleet.
- New or used
- Up to 96 months
- Term tied to expected life
Case by case
Debt consolidation
Combining several existing balances into one agreement with one instalment.
- One payment date
- May extend total duration
- Total cost can rise
On request
Other financing solutions
Requirements that fall outside standard products, discussed case by case.
- Case-by-case review
- Documentation-led
- Availability not guaranteed
What the platform offers
- One application route for every product, so you do not repeat yourself.
- A single document request at the start rather than a drip of follow-ups.
- A named contact who stays with the file.
- Written decisions, including the reasoning behind a refusal.
- Pre-contractual information delivered before signature, as required by law.
How an application progresses
Enquiry
You describe the amount, the purpose and the timing. No documents yet.
Eligibility check
We confirm whether the product is available to you and whether it fits the purpose.
Documentation
You receive one list of what is needed and a secure way to send it.
Assessment
Affordability, credit history, and where relevant security and trading performance.
Decision
An offer with full costs, or a written explanation of why we cannot proceed.
Agreement and funding
Signature, any statutory reflection period, then release of funds.
General eligibility criteria
Criteria vary by product and by jurisdiction. As a general guide, an applicant is expected to:
- Be of legal age to enter a credit agreement in their country of residence.
- Reside in a jurisdiction where the product is available.
- Demonstrate a regular, verifiable source of income or business revenue.
- Hold a bank account in their own name or their business name.
- Pass identity and anti-money-laundering verification.
- Show that repayments are affordable alongside existing commitments.
Meeting these criteria does not create a right to credit. Every application is individually assessed and may be declined.
Documents you may be asked for
- Valid photographic identity document.
- Proof of current address.
- Recent income evidence: payslips, pension statements or tax returns.
- Bank statements covering a recent period.
- For businesses: registration details, financial statements and management accounts.
- For property finance: title documents, valuation and, where relevant, building insurance.
- For consolidation: current statements for each balance to be repaid.
Never send passwords, full card numbers or PINs. Fortis Crest will not ask for them.
Questions about financing
Which product should I choose?
Match the term to the purpose. Short-term needs suit short-term products; a long-lived asset such as property suits long-term secured lending. If you are unsure, describe the situation and we will set out the options and their trade-offs.
Can I apply for more than one product?
You can discuss more than one requirement, but each product is assessed separately. Applying for several credit facilities in a short period can itself affect an assessment.
Do you charge to apply?
Making an enquiry is free. Where a product involves fees — for example a valuation on a property case — those fees are set out in writing before you agree to anything.
What if my circumstances change during the process?
Tell us as soon as it happens. A change in income, employment or business performance affects affordability, and a file assessed on outdated information helps nobody.
Is a decision guaranteed?
No. No approval is guaranteed at any stage, and any figure discussed before a full assessment is indicative only.
Not sure which route fits?
Describe the situation in a few lines. We will tell you what is realistic before you commit any time to an application.