SME Loan

Plan your request

Define the amount you need and how you will use it. Gather business registration details, financial statements, recent bank statements and a cash flow forecast. Requirements vary by provider and project.

Answer a couple simple questions about your financing needs thanks to our secure and easy to navigate quiz.

Once approved and the contract is signed, receive your funds on the same day directly to your bank account.

A fixed repayment loan for SMEs is a loan (the amount of which varies depending on your needs) that must be repaid by the business in predefined regular installments until the loan and the interest are repaid in full.

MicroCapital offers you access to financing solutions adapted to the activity of your SME, whether you need a loan to finance salaries for your employees, equipment, machinery or any other need or emergency,

Plan your business investment

Connect the requested amount to a specific business purpose, an itemized budget and a realistic revenue forecast. Separate recurring expenses from purchases with a longer useful life. Compare the new payment with existing commitments and keep an operating reserve for slower periods.

Organize your application before comparing offers

Prepare business registration details, recent financial statements and operating-account records. Add a list of current debts and explain how the funds will be used. For a purchase, attach supplier quotes; for a cash gap, show expected collections. Ask the provider which documents are required for your situation rather than assuming every application follows the same checklist.

Check the repayment against your operating budget

Build a forecast that includes existing debt, the proposed payment and a slower-revenue period. Confirm fees, security, personal guarantees and early repayment conditions in writing. Ask whether payments are daily, weekly or monthly and what happens if a payment is missed. Choose only after understanding the total commitment and how the business will meet it.

Compare more than the payment

Request the total borrowing cost in dollars, including fees. Check payment frequency, collateral, personal guarantees, early repayment terms and consequences of a missed payment. A smaller payment over a longer term can increase the total cost.