The Merchant Empowering Bank

A passion for SMEs

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.

We understand the business of selling online

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 endeavour to address the financial needs of the e-retailers

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.

Our products


Rakuten Europe Bank is providing short term loans to qualifying Rakuten France 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

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Calculate your monthly repayments


min. 1.000 €

max. 50.000 €

Loan term : Months

3 months

12 months

Nominal Rate : %

1.99 %

9.99 %


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

Rakuten Point

Rakuten Point is the loyalty programme of the Rakuten Group. You can earn Rakuten Points by shopping or completing surveys or through other qualifying transactions on any site allowing the collection of Rakuten Points.

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.

Would you like to know more about Rakuten Europe Bank ?

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