When banks say no, private capital says yes. Private financing between companies has established itself as a real and efficient alternative to traditional bank credit, especially for growing companies, real estate projects or situations where urgency or financial profile prevent access to conventional financing.
What is private capital?
Private capital is financing provided directly by private investors, debt funds or specialized companies, without bank intermediation. Unlike a bank, these private lenders value the project, asset or business plan above pure credit history.
Who is it ideal for?
- Companies with urgent liquidity needs
- Real estate or development projects
- Companies with complex credit histories
- Self-employed and SMEs without access to bank financing
- Bridge operations while bank financing is being arranged
- Growing companies that need fast capital
- Projects with real estate as collateral
How does it work?
Unlike the banking process, private financing is more agile and flexible:
- Project analysis in 24-48 hours
- Presentation to specialized private investors
- Financing offer in 5-7 days
- Signing and disbursement in timeframes unmatched by traditional banking
Advantages of private capital vs bank
| Private Capital | Bank | |
|---|---|---|
| Speed | Weeks | Months |
| Criteria | Project and asset | Credit history |
| Flexibility | High | Low |
| Amounts | From €50,000 | Higher minimums |
| Guarantees | Based on asset or project | Multiple guarantees |
| Response time | 24-48h | Weeks |
What types of private financing exist?
What amounts can be financed?
- From €50,000 to several million
- No maximum limit for operations with solid real estate collateral
- Terms from 3 months to 5 years
- Interest rates adapted to the risk and term of the operation
The Duplo Capital advantage
Duplo Capital acts as a specialized intermediary between your company and a network of private investors and debt funds. We analyze your project, present it to the most suitable investors and negotiate the best conditions for your operation.
Frequently asked questions about private business financing
A business can obtain financing without a bank through private capital: loans granted directly by private investors, debt funds or specialised companies. These lenders value the project, the asset or the business plan over pure credit history. The most common forms are business-to-business loans, bridge financing, real-estate-backed financing and developer finance. Terms are negotiated case by case and depend on the risk of the deal.
The main difference is that private capital mainly assesses the project and the asset, whereas a bank focuses on credit history. That is why private financing is usually faster and more flexible, with deals resolved in weeks rather than months. It also tends to require fewer guarantees, normally the asset or project itself, compared with the multiple guarantees a bank may ask for. Interest rates are adapted to the risk and term of each deal.
Private financing is measured in weeks, compared with the months typical of traditional banks. The project is normally analysed within 24-48 hours and then presented to specialised private investors. If there is interest, a financing offer can arrive within 5-7 days, and signing and disbursement take far less time than with a bank. Actual timings depend on the complexity of the deal and the documentation available.
Private capital can finance deals from 50,000 EUR up to several million, with terms from 3 months to 5 years. For deals backed by solid real-estate collateral there is no preset maximum. Interest rates are adapted to the risk and term of each deal. The final amount and terms depend on the project, the asset provided and the interested investors.
A bridge loan is temporary financing that covers a company's needs while bank financing is being processed or a deal is being closed. Its terms usually range from 3 to 18 months. It is useful when liquidity is urgent and the company cannot wait for bank timelines. Like any private financing, its terms depend on the risk, the duration and the collateral provided.
It is possible, because private investors mainly value the project and the asset, not just the credit history. Real-estate-backed financing, where the property serves as collateral, makes it possible to access capital even with a complex credit profile. Duplo Capital analyses the project's viability and presents it to private investors and debt funds suited to each case. Approval is not guaranteed and depends on the strength of the project and the collateral.
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