For Business Owners & CFOs
Know before you sign.
See what the bank won't tell you.
Upload your bank's term sheet. In under 2 minutes, see how every interest rate, fee, and covenant compares to real Belgian market data — so you walk into negotiations with the numbers, not just a handshake.
Your Pricing
Covenant Flags
The Problem
Your bank says "this is standard." But is it?
You're about to commit to a multi-year financial obligation. The bank has thousands of data points. You have one term sheet and a deadline.
You can't tell if the offer is fair.
Your bank's relationship manager says the rate is competitive. But competitive compared to what? Without market data, you're trusting the seller to tell you the price is fair.
The real cost is hidden in the details.
The headline rate isn't what you'll actually pay. Origination fees, commitment fees, guarantee commissions, prepayment penalties — they add up to a true cost that's often 40-80 basis points higher than the quoted margin.
Covenant clauses can trap your business.
A DSCR threshold of 1.4x vs the market standard 1.2x. A broad cross-default clause covering all your facilities. These aren't minor details — they can restrict dividends, trigger default, or force refinancing at the worst possible time.
How It Works
From PDF to clarity in 3 steps.
Step 01 · Upload
30s
Drop your term sheet.
Upload the PDF your bank sent you. No account needed. Dutch, French, and English term sheets — all major Belgian bank formats supported.
Step 02 · Analyze
90s
Every clause extracted and benchmarked.
40+ key terms identified. Interest margin compared to Belgian market data. Fees annualized into a true cost. Covenant thresholds checked against what's standard for your deal size.
Step 03 · Decide
10m
Walk into negotiations prepared.
See exactly which terms are competitive, which are aggressive, and where there's room to push back. Share the analysis with your accountant or advisor for a second opinion.
Your Data Is Safe
Private analysis. No data shared with your bank.
Your term sheet is encrypted, processed in the EU, and never shared. We have no relationship with any bank. Our only job is giving you clarity.
Encrypted End-to-End
AES-256 encryption from upload to results. Your term sheet is processed in EU-hosted infrastructure. No data leaves European servers.
Never Shared with Banks
Credia has zero relationships with lenders. We don't sell your data, share your analysis, or tell anyone you're checking your offer.
Deleted After Analysis
Your uploaded document is not stored after analysis unless you explicitly choose to save it. Benchmark data is anonymized and aggregated — never traceable to you.
GDPR Compliant
Full compliance with EU data protection law. Belgian law applies. You can request deletion of all your data at any time. DPA available on request.
What You Get
Understand your bank offer like an insider.
See every clause in plain language
25 covenant types (DSCR, leverage, change-of-control, cross-default) identified and explained without the jargon. Know what you're agreeing to before you sign.
Compare your rate to the market
Your interest margin, fees, and all-in cost compared to real Belgian SME deal data. See if your bank's offer is competitive — with actual numbers, not guesswork.
Spot clauses that could hurt you later
Aggressive covenant thresholds, unusually broad cross-default clauses, hidden fee structures. All flagged automatically so nothing slips through.
Know the true cost of your loan
Every fee — arrangement, commitment, guarantee — annualized into one number. The metric that makes bank offers truly comparable, even when fee structures differ.
Compare multiple bank offers side by sideProfessional
Received offers from two or three banks? Upload each one and see them compared on pricing, covenants, fees, and overall deal quality.
Share with your accountant or advisorProfessional
Export your analysis and share it with your trusted advisor. Give them the data they need to validate your reading — or challenge the bank on your behalf.
What Could You Save
One conversation with the right data changes everything.
Potential savings over the loan term
€12,500
that's €2,500/year in lower interest costs
Credia Pro
Illustrative example. Actual savings depend on your specific deal, bank relationship, and negotiation outcome. This is not financial advice.
Pricing
Start free. No account needed.
Free
€0
No signup required. Upload a real term sheet and see the results.
- —Full term sheet extraction
- —25 covenant types identified
- —Plain-language explanations
- —3 analyses per day
Pro
€49 /month
Full market benchmarks, deal scoring, and negotiation support.
- —Everything in Free
- —5-component deal scoring
- —Belgian market benchmarks
- —Risk flags + negotiation points
- —Multi-bank comparison
Work with an Advisor
Ask your accountant
Your accountant can use Credia Professional to analyze and manage your financing.
- ✓Everything in Pro
- ✓Branded analysis reports
- ✓Portfolio monitoring across all your facilities
- ✓Covenant tracking and renewal alerts
- ✓Multi-client management
- ✓Tell your accountant about Credia →
Ready?
Check your bank's offer. It takes 2 minutes.
Upload the term sheet your bank sent you. See how it compares. Then decide what to do with that information.
Credia provides term sheet analysis and market data comparison. We do not provide financial, legal, or tax advice and do not recommend accepting or rejecting any financial offer. Always consult with your accountant, financial advisor, or legal counsel before making financing decisions.
Your data is encrypted (AES-256) and processed in the EU. Belgian law applies. Privacy policy · Terms