Anticipate changes in rates. Optimize the cost of your funding.

The market anticipates the decisions of the European Central Bank several weeks in advance.
Thanks to our application and built-in probabilities, you have a reliable indicator to determine when to finance you.

Every day, objectively compare bank offers to the reality of the market in order to optimize your financing decisions.

1 – Three specific cases of use

1. Decaling funding and optimizing its cost

• Amount 5 million €
• Duration 2 years
• Current fixed bank rate : 4,15 %
• ESTER swap rate 5 years projected in 2 months : 3,65 %
• Background : The market anticipates two ECB rate reductions within 60 days
•  

Decision :
Decal the loan subscription to benefit from a more advantageous rate.
Expected gain : 0.5%, or a saving of 50,000 € over two years.

Explanation :
The rate curve provides a clear signal on the ideal timing, allowing you to align your decision with market expectations.

2 - Negotiate a more competitive offer

• Amount 5 million €
• Duration : 12 months
• Initial bank offer : 3,35 %
• ESTER rate 1 year (market) : 2,95 %
•  

Decision :
Use a specific market benchmark to challenge the banking offer and get a renegotiation.
Result : Rate renegotiated at 3.05 %, an improvement of 0.3% and 15,000 € savings.

Benefit :
Having a reliable repository strengthens your bargaining power and ensures you finance at the right price.

3 – Choose a variable rate loan to reduce the total cost

• Amount 5 million €
• Duration 3 years
• Proposed fixed rate : 3,50 %
• ESTER indexed variable rate + bank margin 3.10 % (ESTER 2.50% + margin 0.60%)
• Market projection : Stabilisation or slight decrease in ESTER
•  

Decision :
Choose an ESTER indexed variable rate loan with a negotiated margin, more advantageous than the proposed fixed rate.
Estimated gain 0,4 % or 60,000 € savings over 3 years.
This approach allows you to benefit from expectations of lower rates while maintaining flexibility in your financial management.

Why choose our solution?

Daily access to a full rate curve reflecting market expectations

Objective analysis to determine optimal timing of borrowing

Clear comparison between fixed and variable rates according to market conditions

Strengthening bargaining power in the face of banking institutions

Save time and reduce the risk of error in your financing decisions

A fraction of the cost of terminals used in the marketplace.

Simplified operation

Receiving ESTER curves in Excel via our API

Data immediately usable, without complex calculations

Customer support available within 48 hours

Do you want a full presentation or personalized accompaniment?
We are at your disposal to help you control your financing decisions.