ALEM FINANCE builds credit products for real situations: a delayed payment from a client, a seasonal purchase, a repair that cannot wait. Not one product stretched over every case.
A short loan and an investment loan are different instruments. We price and structure them differently instead of renaming one product three times.
For a business waiting on a receivable while wages and suppliers will not wait.
For equipment, premises and anything that will still be working in three years.
For a household expense that has a date attached and cannot be postponed.
You describe the task and the amount. We say straight away whether we can work with it.
We look at turnover and obligations, not at a score alone, and ask only for what we will actually read.
A written offer with the rate, the schedule and the total amount payable on one page.
The funds are transferred after signing, with the first payment date agreed in advance.
The total amount payable is stated before signature, in the same size type as the rate.
Repay at any moment and the interest is recalculated for the days actually used.
If we decline, we say why, so the next application somewhere else is better prepared.
A client who warns us in advance gets a revised schedule, not a penalty letter.
A loan is not conditional on buying insurance, a card or a subscription from us.
Client information is used for the credit decision and for nothing else.
Write to us about what you need the money for and by when. We reply with the product that fits, or with an honest no.