About BorrowProof
Bringing loan market transparency to every borrower in Europe.
Our Mission
We believe every borrower deserves to know if their rate is fair. Banks have little incentive to tell you how your rate compares — BorrowProof changes that by translating official ECB data into plain language anyone can understand.
Our Story
Born from the frustration of negotiating a business loan without knowing if the rate was reasonable. We wanted a simple answer: is this rate fair for my country and loan type? Now we're making that answer available to every borrower across 19 European countries.
19
Countries Covered
45+
Datasets Tracked
Daily
Data Updates
Our Values
The principles that guide everything we build.
Transparency First
No hidden agendas. We show you exactly where your benchmark comes from and how it’s calculated.
Official Data
All benchmarks come from the European Central Bank’s MIR statistics — the same data regulators and economists use.
Independent
We don’t sell loans, partner with banks, or earn commissions. We have no financial relationship with any lending institution.
Built for Everyone
Whether you’re an SME owner, a first-time buyer, or a CFO — the tool speaks plain language, not financial jargon.
What We Offer
Everything you need to understand your loan rate.
Rate Benchmarking
Compare your rate to the ECB average for your country and loan type.
Loan Simulator
Simulate monthly payments, total interest, and extra payment savings.
Market Timing
Check if now is a good time to borrow based on 4 market signals.
PDF Reports
Download a professional assessment report to share with your bank.
19 Countries
Coverage across the entire Euro Area with country-specific data.
Academy
Learn how loan rates work, what drives them, and how to negotiate.
Built by Borrowers, for Borrowers
BorrowProof was created by a team of developers and data engineers frustrated by the opacity of loan pricing. We built the tool we wished we had when negotiating our own loans — and now we're making it available to every borrower across Europe.