Hello bank! Pro review

Professional credit runs €100 to €50,000, and you repay it over 24 to 84. The rate is fixed, so the monthly repayment stays the same across the term. The money goes to the pro account once the file is complete and approved.

The origination fee is 0 EUR on the professional credit, and pricing is fixed rather than variable. Because the rate holds, the cost of borrowing stays predictable across 24 to 84. Borrowing runs €100 to €50,000, so the fee is the main stated cost.

You need to be an adult resident in France with a SIREN number, and you must be an individual entrepreneur, micro-entrepreneur, EURL, SASU, SELASU or SELEURL. The professional credit also requires a Hello bank! Pro account held for a waiting period.

The credit comes from the lender itself, as direct lender applies, and that lender is BNP PARIBAS based in France. Its licences name ACPR, AMF and ORIAS, with the ORIAS registration 07 022 735. You deal with a regulated French lender rather than a marketplace.

Funds are transferred to the pro account within a stated window of business hours, but only after the file is complete and approved. The clock starts when the file is complete, so a slow document set pushes the date back. Many business lenders in this comparison fund the same day, on 68.8% of them.

It is a business loan, listed as business, offered on a fixed rate model. The professional credit is aimed at company money, so it suits trading businesses rather than personal borrowing. The 24 to 84 term gives you room to spread the cost.

Support runs on phone, chat and help centre, so you can reach the team by phone or in the chat, and the help centre carries the detail. Written questions by email are not among those channels, so plan to call or chat instead.

Business loans in this comparison sit around €1,315.44 at the middle, with €17,539.24 at the upper end. The €100 to €50,000 range sits inside that spread and its top passes that upper end. A far larger sum would need a different lender.