Don't walk into a credit committee unprepared. We build a professional credit file and financial model that gets fast approval from the State-Guaranteed Fund (קרן בערבות מדינה) and the banks, at the lowest rates and over up to 5 years, including a grace period.
Choosing the right credit track saves tens of thousands of shekels in interest and protects your cash flow.
A loan on excellent terms with low collateral (up to 85% state guarantee), repayment over up to 5 years and a grace period of up to 6 months.
Professional negotiation with the banks' business divisions to cut fees, lower interest rates and open credit lines to fund day-to-day operations.
We merge several short, expensive loans into one long-term loan. Your monthly repayment drops by 30% to 50% right away.
| Criterion | On your own | With UMoney experts |
|---|---|---|
| Number of lenders | Only your own bank (limited choice) | All leading banks + State-Guaranteed Fund + non-bank lenders |
| Required collateral | Up to 100% (real estate, deposits) | 5% to 15% (under a state guarantee) |
| Interest rate | Standard high rate for SMEs | Lower margin through competition between lenders |
| Document preparation | Scattered paperwork with no financial model | Full financial modeling package and BDI audit |
| Approval odds | Over 40% rejections | 87% fund success rate |
We guide you end to end with the banks and funds, cut through the bureaucracy and secure the best possible terms.
Review of bank statements, BDI reports and accounting data. An accurate eligibility assessment and maximum credit amount.
A professional credit file built to Ministry of Finance and bank requirements, showing repayment capacity and full economic justification.
A rate tender between lenders: lower margin over prime, lower documentation fees and less collateral.
Signing the financing agreement, putting the guarantees in place and receiving the money in your business account to grow.
It is a government program to support businesses, in which the state guarantees up to 85% of the loan amount to the bank. Registered businesses (Osek Murshe or a limited company) with annual turnover of up to ₪100 million are eligible, provided they have no current legal restrictions and no serious arrears.
It depends on the nature of the record. If it was a technical error or a single bounced check, we help correct the credit file or bring in non-bank lenders that assess the business’s current cash flow rather than past mistakes.
Express financing from non-bank lenders is available within 48-72 hours. The process through the State-Guaranteed Fund and commercial banks usually takes 14 to 28 business days from submission of a complete financial model.
In most cases, no. State-Guaranteed Fund programs require only a 5-15% cash deposit (pikadon) as collateral, and with leasing the collateral is the equipment or vehicle being purchased.
Leave a few details and our credit specialist will get back to you with an initial answer within 24 hours.