Quickly benefit from a professional loan to finance your cash flow needs.
Best meet your financing needs
Are you looking to finance your cash flow needs? We can help you obtain fast and suitable financing in the form of professional credit.
Sans TheNewbie
You have difficulty managing your cash flow needs
With TheNewbie
You finance your cash flow needs efficiently
The importance of good cash management in business
Good cash management is a key element of a company's viability and development, and covering cash needs with an appropriate financing solution is essential. TheNewbie allows you to find fast financing, in the form of professional credit without guarantee on the company's assets, which covers your cash flow needs and supports your SME in its development.
Why anticipate your need for cash with a cash loan?
Finding quick financing or an emergency cash advance can be complex and stressful, especially when embarking on new developments and having to devote yourself to them full-time. It is therefore essential to anticipate its need for cash through a suitable business cash loan, which supports the business in its development. TheNewbie offers French SMEs a participatory loan without contribution, without personal guarantee from the manager or guarantee on the company's assets, which adapts to the needs of the company and its development plan.
We are already partners of 139 entrepreneurs, who trust us and to whom we have already lent €100 million to finance their growth.
Absorb fluctuations in your working capital requirement (WCR) with the help of a cash loan
Your working capital requirement changes throughout the year, and its fluctuations, sometimes during the same month, can be significant and impact your cash flow. It is therefore necessary to anticipate these variations in cash flow, not through an emergency cash advance, but through financing adapted to the cash flow needs of your business.
TheNewbie works with you on a suitable financing solution to finance your WCR and relieve the pressure on your cash flow. You can thus devote yourself to the development of your business, knowing that your cash flow situation allows you to anticipate the vagaries of the life of an SME.
Support and finance your business growth with a cash loan
TheNewbie credits finance any financing object, material or immaterial (recruitment, business development, research and development, etc.). You thus have a supplement to bank loans, which allows you to finance items that are not generally supported by banks because they are not backed by company assets.
This financing supports the growth of your business. The credits offered by TheNewbie can be repayable or in-fine, spread out from 18 to 60 months, and can go up to 1M€. Their granting is based on a complete analysis of the company and its business model, and thus make it possible to finance the development projects of the company and not a particular asset as a bank loan can generally do.
Demonstrate a healthy cash position, conducive to the development of your business
The entrepreneurs we support anticipate all their cash needs, because they know that it is much easier to borrow when the company is in a healthy situation than when it is in an emergency. All of them therefore prefer to anticipate and strengthen their cash flow before starting their development projects.
A healthy cash position and balance sheet also make it easier to borrow from banks, which base a large part of their analysis on various ratios and financial indicators; as long as the company's indebtedness also remains reasonable.
Benefit from the expertise and network of an expert in SME financing
The founders and the TheNewbie team have been financing SMEs since 2003, first through the management company Phillimore, in the form of private equity, then in the form of credit with TheNewbie. Our team has thus supported dozens of French entrepreneurs, regularly participating in great success stories.
TheNewbie is linked to a national network of financial partners and also benefits from the support and partnership of La Banque Postale entreprise, which owns 10% of the TheNewbie professional credit platform. This banking proximity allows us to offer the managers we support innovative and global financing solutions that best meet their needs. In addition to this support, you join a network of French entrepreneurs who meet at events organized by TheNewbie, and you have access to this database of useful contacts at all times.
The guide to saving and investing
Over the past few decades, the range of accessible assets has widened considerably.
“Online” solutions now provide real-time access to all markets around the world.
We cover all your needs, including those not mentioned here
We offer non-asset backed financing solutions. Clearly, we complement your bank financing, to enable you to finance your development. Whatever you want to finance.
How to obtain financing?
You can create an account for free and without any obligation. Once your profile is completed, you will be able to invest and receive regular interest.
Step 1
Test your eligibility
Apply for funding
Very simple and 100% online: complete our financing request form in a few minutes.
We receive your request directly, and get back to you within 24 hours with a first response. That way it's fast.
2nd step
Study in a few days
A few days are enough to obtain a personalized pricing
On the basis of an initial exchange and any additional documents, our analysts determine whether we can finance you.
You are therefore directly in contact with the analysts who are studying your request, and within a few days you will receive a personalized proposal.
Step 3
Funds within 48 hours
We collect the funds, which we pay into your account within 48 hours
If you validate our proposal and we receive the approval of our selection committee, we launch the collection of the funds sought.
Our thousands of members, individuals and professionals, finance your project. At the end of the collection, we transfer the funds within 48 hours to your bank account.
Step 4
Follow-up and reimbursement
You repay according to the schedule we have agreed together
We have agreed together on the best schedule: depreciable, in fine (bullet), deferred amortization... We are tailor-made.
Then, during the 1 to 84 months that your TheNewbie financing can last, you are automatically debited at each maturity.
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