What exactly does Credia analyze in my term sheet?

We analyze over 40 key terms including interest margins, fees, covenants, collateral requirements, prepayment conditions, and more.

How accurate is the benchmark data?

Our benchmarks are based on 500+ actual Belgian financing transactions across various industries and deal sizes.

Credia | Score your bank's term sheet in 90 seconds

Crediapro

The Information Gap

Your bank benchmarks against thousands of deals. You can't.

25 covenant types protect the bank. You see jargon.

The headline rate isn't the real cost. Hidden fees add up.

What it costs you →

Market Pulse

EURIBOR 3M

2.614%↓8

EURIBOR 6M

2.537%↓10

EURIBOR 12M

2.267%↓11

ECB Rate

2.75%↓25

Next ECB decision: Mar 193d

Rate Check

BPS

Enter margin + check

How It Works

UPLOAD

ANALYZE

NEGOTIATE

< 90 seconds

Your data stays yours

Upload your term sheet for a confidential, instant analysis.

Your eyes only — results are never shared

Nothing stored — we don't keep your document

No account, no follow-up, no strings

GDPR-compliant — built in the EU, for the EU

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Pricing

Your Margin175 bps

vs. MarketAbove average

Potential Savings

€34,200PRO

Risk Flags

2 criticalPRO

See the full picture →

€49 /mo · Free to start

Who It's For

Business Owner

CFO / Finance Director

Accountant / Advisor

PE & M&A

4 profiles

FAQ

Is my financial data secure?

What exactly does Credia analyze?

What's the difference between Free and Pro?

Can my accountant use this for their clients?

Does my bank know I'm using Credia?

10 answers

Contact

We'd love to hear from you. Whether you have questions, feedback, or partnership inquiries. Reach out anytime.

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YOUR BANK SAYS IT'S A FAIR DEAL.

You're paying €12K more
than you should.

0 €

estimated annual overpayment

87% of Belgian borrowers don't know their rate is above market.

Scroll to see what we found ↓

A REAL TERM SHEET. A REAL ANALYSIS.

Bank Terms · €2.5M Term Loan · 60 months

Credia analyzed this in 47 seconds.
Your lawyer would need 2 hours.

Your rateEURIBOR 3M + 175 bps

Market medianEURIBOR 3M + 125 bps

Gap+50 bps = 12.500 €/yr

3 WAYS THIS DEAL CAN BLOW UP

Hidden in the fine print

redCross Default

“If ANY other loan defaults, this one is called immediately.”

yellowDividend Restr.

“Dividends capped at 50% of net profit — only if leverage stays below 3.0x.”

yellowLeverage Ratio

“Miss this once — interest rate jumps by 25 bps per 0.5x above threshold.”

All three are negotiable. Most borrowers don't know.

YOUR DEAL SCORED

72/100

Interest Rate

+50 bps above median. Not terrible, but clearly overpaying.

Fees

Arrangement fee above market (1.25% vs 1.00%). Commitment fee is standard.

Structure

60-month term is fine, quarterly amortization is standard. No structural red flags.

Conditions

Cross-default without materiality threshold is aggressive. Leverage ratchet is one-directional.

Collateral

Business pledge only (no personal guarantees). Borrower-friendly.

You can recover an estimated €68,750 if you negotiate the rate and fee structure.

TRUSTED BY BELGIAN SMES

covenant types
tracked

€18K

avg upside
identified

47s

average
analysis

“We recovered €34K by catching a margin overcharge our advisor missed.”
— CFO, manufacturing company, Antwerp

Bank-grade encryption

GDPR compliant

All Belgian bank formats supported

HOW IT WORKS

SUBMIT

Share your term sheet on desktop

ANALYZE

AI reads every clause in 47 seconds

NEGOTIATE

Get risk report + savings playbook

Free to start. No account required. < 90 seconds.

Don't sign
before you check.

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10 things lenders hide in the fine print. 1-page PDF.

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