Penta Business Loans – Smart Financing for you

Apply for a business loan fast and easy and benefit from flexible financing solutions. Get access to low-cost credit offers with Penta Loan Comparison — available within 24 hours.

Kredite Finanzierung Penta Lösungen

Grow your Business faster with a Credit that fits your needs

Penta offers flexible loans of €1,000 – €250,000 with a 1-4 year term for start-ups, self-employed and small and medium-sized enterprises

Easy and Digital

After signing the contract you will receive the fund from one of our partners to your Penta business account.

Flexible Rates

Choose your monthly rate and repayment amount – tailored to your needs.


Every business is unique – we know that. Receive customized offers from us straight away.

Kredite online

Business Loans

  • From 1.9% interest per year
  • 1.000€ – 250.000€ Total lending
  • 1-48 months duration
  • Get an offer within 24-48h

Subsidised Loans

  • From 7.9% interest per year
  • 1.000 – 40.000€ Credit volume
  • 1-48 months duration
  • Even with a moderate credit rating, offers can be made within 24 hours
finetrading und warenfinanzierung

Finetrading and Commercial Funding

  • From 0.79% per month
  • Up to 9 months pre-financing of goods
  • Up to EUR 250.000€ Credit volume
  • Even with moderate creditworthiness, offers can be submitted within 24 hours
finetrading kredite


  • From 0.7% factoring fee
  • You will receive an offer from our financing partner within a short time

How It Works

Specify the desired loan amount, term and purpose of your loan request.

Choose from various funding options and receive personalized offers for your online credit that suit your requirements.

Complete your financing online – you will receive your offer within 24 hours.

Get your business loan directly into your account and dedicate yourself to your company.

See what our customers are saying – from solopreneurs to CEOs

“Thanks Penta for simplifying corporate banking for us! We switched recently and really love the design and UX.”

“Penta vs traditional banks? No bureaucracy, better look and feel. Penta really focuses on building the features useful for our business.”

Lending made easy -
Spend more time on your business.


Depending on the partner, you provide the requested information. Usually company data, personal data and financial data, such as bank statements, business management evaluations (BWAs) or totals and balance lists (SuSa). You can obtain some information from your accountant or tax consultant (BWA and SuSa). Once the information has been submitted completely, your application will be checked by our partner and you will receive a confirmation of the loan approval. If the feedback is positive, you will have to identify yourself again with most providers and confirm the loan agreement.

The conditions are different. A crefo score of < 333 is often required. Negative features in the account statement, such as returned direct debits and payments to collection service providers, are also not very helpful for granting a loan. In any case, your company should be structurally profitable and generate turnover.

You can get credit offers in our financing application in the Penta-App.

Depending on your credit rating between 10-30% of your turnover.

We collaborate with providers who also grant loans in case of negative Schufa. However, additional requirements must then be met when granting a loan.

Factoring is the purchase of your (unpaid) issued invoices to your customers by a factoring provider. Factoring thus offers you the possibility of obtaining financing for unpaid receivables.

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