Frequently Asked Questions
« We recommend contacting us as soon as your project goes beyond the idea stage, especially if you’re aiming for financing in excess of €500,000. Our advisors work early on to structure your application and maximize your chances – 85% of clients who contact us early on obtain advantageous terms. » Make your request whenever you want
« Our model is transparent: an initial (free) audit assesses your eligibility. Our fees then represent 1.5% of the financed amount, 70% of which is conditional on the success of your transaction. No hidden fees – we align our interests with yours. »
Thanks to our network of 80+ financial partners and our digital platform, 90% of approved applications are resolved within 10 business days. Amounts under €2 million can be released within 86 hours via our dedicated emergency fund.
« We cover all strategic needs: Fundraising (Series A to C) with our network of 250+ investors.
Tailor-made LBOs (from €5 million, turnkey structuring).
Premium real estate loans (exceptional residences, luxury hotels).
Hybrid solutions (mezzanine debt, convertible bonds).
A free audit determines the optimal instrument for your project. »
« Our commitments are firm for 21 days (compared to the market average of 7). This exceptional stability is based on:
Our dedicated cash position of €50 million.
Hedge contracts with our banking partners.
After this period, a free revaluation is performed. »
Frequently Asked Questions
GJA Associates structures tailor-made solutions for each growth phase:
Private Equity: Fundraising (Seed to Series C), LBOs, and growth capital.
Senior/Mezzanine Debt: Competitive rates starting at €500,000, flexible guarantees.
Hybrid Financing: Convertible bonds, financial royalties.
International Solutions: Tax-optimized cross-border arrangements.
Personal, commercial, and business loans, home purchase and construction, car purchase, and education.
Corporate loans: Fixed/negotiable rates (from 2.75%), 1-10 year terms.
Bridge loans: Express financing within 72 hours (€0.5 million to €5 million).
Cash lines: Cash flow reinforcement with alternative guarantees.
Premium real estate loans: Exceptional residences, hotels, vineyards.
Speed: Approval in 48 hours vs. 3+ weeks at the bank.
Flexibility: Tailored guarantees (turnover, assets, equity kickers).
Network: Access to 50+ alternative funds if banks say no.
93% of our clients obtain better-than-market terms.
Thanks to our dedicated treasury and automated process:
≤ €1M: Average turnaround time: 5 business days.
€1M-5M: 10 days with prior approval from our committee.
Emergencies: FastTrack service (72 hours max, 0.25% additional fee).
Record: €2.3M released in 18 hours for a competitive buyout.
Main criteria:
Turnover: ≥ €15,000/year (or business plan validated by our analysts).
Valid ID
Sector: All, except pure gambling/crypto.
Guarantees: Flexible (we accept 20+ asset types).
Our algorithms evaluate your application within 4 hours – immediate response.
Yes, our specialty since 2015:
Debt Refinancing: Group renegotiation with creditors.
Rate Optimization: Average savings of 1.8 points vs. the initial loan.
Consolidation: Merging multiple lines into a single loan (up to 40% lower monthly payments).
*Real-life case: €8 million refinancing saving a client €120,000/year.