Saratabank supervises lending between private individuals: the market where you post a borrowing need for a lender to respond to, or respond directly to an available lending offer. Every transaction is secured by escrow account, formal accreditation and regulated fixed rates.
01 — Our Mission
Faced with rigid traditional banks and risky informal arrangements between individuals, Saratabank has created the fair middle ground: a regulated, transparent peer-to-peer lending marketplace where each party is verified, where funds are protected in an escrow account and where terms are clear.
Clear, fixed, supervised rates. No arrangement fees or hidden costs.
Strict confidentiality of identities. You transact securely via Saratabank as exclusive intermediary.
Funds held in a dedicated escrow account until electronic signature of the bilateral agreement.
Full audit of borrower and lender: identity, solvency, source of funds.
02 — How the Marketplace Works
A platform designed to fairly protect both borrower and lender.
Protected Borrower
Transparent financing with no hidden fees and fixed monthly instalments.
Profitable Investor
Fixed return with capital guarantee and automated recovery.
03 — Supervised P2P Advantage
Comparison between our supervised model and alternative solutions.
| Criteria | Saratabank P2P | Traditional Banks | Private Informal Loan |
|---|---|---|---|
| Approval time | 24h to 48h | 2 to 4 weeks | Variable / Risky |
| Application fees | €0 (Included) | 1% to 3% of amount | Unpredictable |
| Escrow Guarantee | 100% Secure | Complex | No guarantee |
| Fixed Rate | From 1.80% | 3.50% to 7.00% | Unregulated / Excessive |
| Support | Dedicated adviser | Standardised | Non-existent |
Select your project type, desired amount and repayment horizon to instantly estimate your monthly payment with our supervised rates.
05 — Guaranteed Protocol
A 100% digital journey, fully supervised with a certified escrow account.
01
The borrower submits their project and financial capacity in 2 minutes.
02
Our analysts verify creditworthiness and grant the compliance label.
03
The lender allocates funds to the secure escrow account.
04
Funds are transferred and monthly instalments managed automatically.
06 — Frequently Asked Questions
Everything you need to know about the legal framework and Saratabank guarantee.
Clients may either post their financing request on the marketplace and wait for a lender to respond, or browse the list of available loan offers to respond directly. In both cases, Saratabank ensures supervision, accreditation and total transaction security.
No, to preserve privacy and security for all, identities remain strictly confidential. Saratabank acts as the exclusive legal and technical intermediary.
You may borrow from €1,000 to €50,000 over terms ranging from 12 to 84 months depending on your project type and debt capacity.
Absolutely none. In accordance with regulations, no upfront payment is ever required before effective disbursement of a loan. Saratabank management fees are transparently included in the advertised fixed APR.
You have the option to defer or adjust a monthly instalment directly from your Saratabank client portal, without aggressive penalties.
07 — Verified Reviews
What our investor and borrower members say about our service.
« Total security thanks to the escrow account and very consistent returns. »
« Funds received in 48h for my renovation works, with no unnecessary paperwork. »
« The best alternative for obtaining a business loan quickly and with complete confidence. »
Benefit from a guaranteed preferential rate and total financial security.