Crediapro

The Blind Side of Every Deal

Your bank prices against thousands of comparable loans. You see one term sheet. No reference point.
Dozens of clauses across pricing, covenants, security, and fees. The complexity isn't a side effect.
Origination fees. Commitment fees. Prepayment penalties. The headline rate masks the real cost.
What it costs you →

What Most Borrowers Miss

Insider
01

Check your cross-default clause for a materiality floor

Without one, a minor default on an unrelated loan could theoretically trigger your entire facility.

02

The bank's EBITDA isn't the same as yours

Covenant calculations use the bank's definition — add-backs, one-off exclusions, equity adjustments. A 0.3x leverage gap is common.

03

Headline margin + fees + ratchets = your real cost

Origination fees, commitment charges, and conditional step-ups can add 25–80 bps above the quoted rate.

See all blind spots

Learn

Featured guide

What to Look for in a Bank Term Sheet

What to check before signing: interest rate margin, covenant package, fees, and collateral — a plain checklist for Belgian SME owners.

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How It Works

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Pricing

€49/mo

See exactly what you're overpaying — and how to fix it.

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Who It's For

Business Owner
CFO / Finance Director
Accountant / Advisor
PE & M&A
4 profiles

FAQ

Is my financial data secure?
What exactly does Credia analyze?
What's the difference between Free and Pro?
Can my accountant use this for their clients?
Does my bank know I'm using Credia?
10 answers

Contact

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