BTS, BFPME or bank loan: how a banker reads your file

A banker first reads the summary, then checks three balances. Thresholds vary between lenders; these are common benchmarks.

Own contribution

The share of the project you finance yourself. A contribution of at least 20% is a frequent benchmark.

Repayment capacity

The cash the business generates each year, compared with what must be repaid. A ratio of at least 1.2 is reassuring.

Debt

Debt compared with your equity. The heavier it is, the more guarantees the bank asks for.

The funding simulator calculates these three benchmarks in two minutes, as an indication.