Independent by design
No referrals, no commissions from lenders, no rate markups. The only revenue is the €25 one-off fee a user pays for full access — which means there's no incentive to nudge anyone toward a particular bank.
Commissions earned€0
About BorrowProof
The official rate data already exists. We make it readable.
BorrowProof checks 19 countries' loan rates against the European Central Bank — and translates the result into plain euros and percentages, so any borrower can tell whether their rate is normal for their market.
FR · Business loan · 10 yr · €2.5M
4.65%Fair
4.20%ECB avg5.50%
ECB avg for this profile4.82%
This is what a benchmark looks like
19 countries
The full Euro Area, each benchmarked against its own ECB data.
10 years
Of ECB interest-rate statistics, refreshed monthly as new releases come out.
€25
One-off, for full access. No subscription, no commission, no rate markup.
Why this exists
The numbers exist. They just live in the wrong place.
The European Central Bank publishes country-by-country averages for loan rates every single month. The data is open. The methodology is documented. Anyone could, in principle, check whether the rate a bank quotes is in line with the market.
In practice, nobody does. The data sits in regulator-grade spreadsheets — basis points, interquartile ranges, acronyms that mean something to economists and nothing to the borrower negotiating an actual loan.
BorrowProof is the layer in between. Type the rate. See how it compares. Built with no relationship to any lender, and priced as a one-off fee rather than a recurring subscription — because checking whether your rate is fair shouldn't be something you're billed for every month.
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MIR.M.FR.B.A2A.AM.R.2.2240.EUR.N
PERIOD 2026-03 · OBS_VALUE 4.82
BS_ITEM Loans to NFCs > €1M, IRF > 5 yrs
DECIMALS 2 · UNIT_MEASURE PCPA
ECB avg, FR business loan4.82%
Your quote, €2.5M / 10 yr4.65%
VerdictBelow average · Fair
"Checking whether your rate is fair shouldn't be a service you're billed for every month."
How we operate
Three commitments we keep, in plain language.
Most "values" sections are marketing. These are the three things that actually constrain how the tool is built and what it costs.
Public sources only
Every benchmark traces back to a dataset anyone can download — primarily the European Central Bank and Eurostat. No proprietary scoring, no opaque adjustments. The methodology is documented and the underlying figures are auditable.
Public datasets used5 / 5
Plain language, by default
Central bank data is written in basis points and interquartile ranges. We translate it into euros, percentages, and one-line verdicts — and explain the underlying maths whenever a user asks for it.
Jargon shown to usersNone
Where the numbers come from
Every figure on BorrowProof has a public source.
No private surveys, no lender scoring, no inferred numbers. All benchmarks are derived from datasets published by the ECB and Eurostat — auditable, refreshed on the publisher's own schedule, and free for anyone to inspect.
Last refresh · 11 May 2026
ECBMonthly
MIR interest-rate statistics
Country-by-country rates on new loans to households and non-financial corporations.
ECBTwice a year
SAFE survey
Bank approval rates and access-to-finance signals for small and medium businesses.
ECBQuarterly
Bank Lending Survey
Credit standards, demand, and lending conditions reported directly by Euro Area banks.
ECBEvery meeting
Monetary policy decisions
Deposit-facility, refinancing, and lending rates set by the Governing Council.
EUROSTATMonthly
Economic indicators
Sentiment, employment, and inflation series used to contextualise borrowing conditions.
Try it
See what a fair rate looks like in your country.
Free to use — €25 unlocks the full report when you want it.