Small and medium-sized enterprises (SMEs) and entrepreneurs are crucial for tracing new paths to more sustainable growth. They are the backbone of the European economy, thanks to their role in developing and diﬀusing innovation and providing employment.
SMEs generate 67% of jobs in the European Union.
Often described as the lifeblood of our societies, SMEs fail, in most cases, to receive appropriate focus from their traditional banks.
Rakuten Europe Bank is a wholly-owned subsidiary of Rakuten, the giant Japanese ecommerce company that has been dealing with thousands of merchants over the last decade.
Making our merchants grow and succeed has always been the cornerstone of our high-touch approach of the market place business.
We are fully aware of the seasonality of e-retailing and understand the resulting treasury swings that sometimes hurt e-retailers badly.
Rakuten Europe Bank is regulated in Luxembourg and committed to provide targeted financial services to online merchants.
We are proposing multiple lending products to give flexibility to our merchants* to finance their working capital requirements.
Pick the term that suits you best from 3 to 12 months and enjoy competitive rates fixed for the duration of the term.
*Please note that the loan product is exclusively limited to those Rakuten France merchants domiciled in France who meet the qualifying criteria
min. 1.000 €
max. 50.000 €
Loan term : Months
Nominal Rate : %
Amount of the loan : €
Nominal Rate : %
Monthly instalment : €
This simulation gives you an estimate of the monthly payments and is not binding on Rakuten Europe Bank in any way whatsoever. For a specific quotation, please contact our sales team
Rakuten Europe Bank is engaged in factoring transactions whereby a business partner sells to us the right to receive customer payments for certain invoices. These transactions do not affect the way customers have to pay their remaining balances.
For further information on the use of your personal data, please click on this link
You can exchange the Rakuten Points to other Rakuten Group services vouchers, or use them for example to watch series and films in Rakuten TV or to Viber Out credit through the affiliate malls, subject to the terms and conditions below.
Rakuten Points have no monetary or patrimonial value and cannot be assigned, transferred or redeemed in exchange for cash.
Launched in January 2016, Rakuten Europe continues the diversification of Rakuten in Europe and provides financial services to our members.
Rakuten Europe Bank S.A. is a fully licensed credit institution established in Luxembourg and supervised by the Commission de Surveillance du Secteur Financier.
Online shopping in France
Online shopping in Germany
Video-on-demand service in Spain and UK
Alpha Direct Services
Fulfillment services for e-commerce retailers in Europe
Rakuten Global Market
Online shopping mall for overseas customers
Online travel reservations
Online marketing solutions specializing in the areas of search (SEM), lead generation and affiliate marketing
Global video-on-demand service providing content translated by a volunteer community of fans
Global eReading service
Distribution of books to libraries and educational facilities in international markets
Global mobile messaging service
Virtual fitting room technology
Online golf course reservations
Corporate venture capital group
Online cashback program
Tracking service for online purchases