Interview with the personal manager

After receiving the loan application, a personal manager will review the contents of the file. When the manager considers that your credit application is complete, he or she will contact you to arrange an appointment. It is also possible that the personal manager will request additional information.

The personal manager, under normal circumstances, will contact you within ten business days. If an interview is scheduled, the personal manager will meet you at your workplace for a full interview (if that is not possible, a video call will be arranged.) If you are married or living as a couple, it is important that your partner is also present during this interview.


During the personal interview, we will spend most of the time discussing your personal and business background.
In addition to reviewing the numbers, we will also be observing your motivation and ability to manage your business. The personal manager will analyze the viability of the project as well as the conditions of the local market and sector. You may be asked to explain or justify certain items or numbers, so you should always have your company’s economic-financial documentation handy. Additionally, the manager will ask you to identify yourself and give him or her a copy of your personal identification (DNI, NIE, or Passport).

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