FINCOAR SA finances Argentine businesses. The number most lenders lead with is the one that tells you least. We start with the total you will repay — and work backwards to whether it is worth it.
Illustrative only — rounded figures, not an offer. A lower monthly payment can mean a higher total.
The longer the term, the smaller each payment and the larger the sum of them. The monthly figure is comfort; the total is the price.
Every facility below has a purpose and a source of repayment. We do not offer open-ended credit against nothing in particular, and we do not lend to consumers.
Machinery and vehicles that earn from the day they are switched on, and keep value if the plan does not go as hoped.
Advancing against invoices already issued to sound customers — the direct answer when the only problem is a long payment term.
A fixed amount over a fixed term with a fixed schedule, so you know on day one what the last payment is and when it falls.
Funding stock or a confirmed order larger than your own reserves can carry, repaid when your customer settles.
Building out a location or adding a line — spending that lands months before any revenue answers for it.
Replacing costlier obligations with one facility — but only where the arithmetic genuinely improves. We will work it out with you either way.
Any lender can make a payment look small. These four figures, together, tell you what it actually costs — and a legitimate lender, ours included, will give you every one of them in writing before you sign.
The sum of every payment, from first to last. This is the real price. Compare it, not the monthly figure.
Expressed as an annual percentage so it can be compared across offers. A "fee" that hides the term is not comparable.
How many payments, over how long. A longer term shrinks each payment and grows the total — both at once.
What it costs to repay ahead of schedule. Sometimes it saves money; sometimes nothing. Ask before, not after.
What the money is for, what repays it, and by when you need it.
Financials and trading records, read by a person rather than a scorecard.
Rate, schedule, total repayable and any security — before you decide.
Funds released, with someone who still answers the phone next year.
Usually, yes. Bank credit is generally cheaper, and if your bank will fund the requirement on a timetable that works, that is the better deal and we will say so. A firm like ours earns its place where the timing is short, the amount is too small for a bank to bother with, or the file is sound but does not fit a scorecard.
No. FINCOAR SA extends credit to businesses and sole proprietors for business purposes only. We are not a bank, take no deposits, operate no accounts, and offer no consumer loans, mortgages or investment products of any kind.
It depends on the amount, term, structure and security, so any rate printed here would be wrong for nearly everyone reading it. What we commit to is the form of the answer: the total you will repay, the rate expressed annually, and the full schedule — in writing, before you sign. Hold every other offer to the same standard.
No. Foreign-exchange operations in Argentina require specific authorisation from the central bank and are carried out by authorised entities. We are a business lender; currency exchange is not something we offer, and you should be wary of any unlicensed party that claims to.
Get in touch with what the funding is for, what will repay it and your timing. Recent financial statements help. There is no fee to make an enquiry, and you should approach us directly rather than through anyone who wants a commission for arranging finance on your behalf.
The purpose, the source of repayment, and your timing. If a bank would serve you better, that will be the first thing we say.