Features / Lenders
Lenders
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Zero-interest eco-loans, consumer loans, mortgages, advance funding of grants: Argile is connected to partner lenders so you can simulate instalments and build the financing application without leaving the tool.
01
Every kind of financing
zero-interest eco-loans, consumer loans, mortgages, advance funding of grants, declared by each partner
Ecair loan
Personal loan to fund your works
Zero-rate eco-loan
Zero-rate loan for energy retrofit
Consumer credit
Personal loan to fund your works
Grant pre-financing
Short loan while the grants are awaited
ÉCAIR
Favourable application
Zero-rate eco-loan
Consumer loan
Mortgage
Grant pre-financing
ÉCAIR
Ecair loan
212 €
/ month
INSTALMENT EXCL. COVER
190 €
COVER / MONTH
22 €
Sign up on the Ecair site
02
Instalments simulated
the customer sees what the project costs per month before signing
Hello,
Please find my application for financing.
Customer: Nicola Shaw
Works planned:
- External wall insulation
- Windows and doors
- Air-to-water heat pump
- Balanced mechanical ventilation
Amount to finance:
- Ecair loan: £24,200 over 180 months
Debt-to-income ratio: 26.6%
Kind regards,
Nicola Shaw
Download the file (.zip)
Send by email
03
A pre-filled application
works, amounts and debt-to-income ratio make up the request, with nothing keyed in twice
26,6 %
The share of your income that goes to repaying credit.
Loan types
Ecair loan
Kinds of work
4
Amount financed
24 200 €
District
69
04
Regional and national partners
each lender declares its eligible districts, its loan types and its minimum amount
Monthly loan cost
− 212 €
Monthly energy savings
+ 118 €
Net monthly effort
94 €
05
Net monthly effort
the instalment set against the energy the project saves
The journey
Camille Martin
/
Works plan
/
Financing
Whole-house retrofit
Generate the quote
Works
Financing
Cost of works and grants
Total cost of works
4 jobs
INSULATION
External wall insulation
18 400,00 €
Windows
3 260,00 €
HEATING AND HOT WATER
Air-to-water heat pump
14 900,00 €
Heat-recovery ventilation
1 840,00 €
Total amount
38 400 €
Grants
3 grants
MaPrimeRénov’
9 200,00 €
Energy saving certificates
3 480,00 €
Regional grant
1 520,00 €
Add a grant
Total grants
− 14 200 €
Remaining cost
Cost of works
38 400 €
Grants deducted
− 14 200 €
Grants land once the works are done: the financing plan covers the advance.
Remaining cost
24 200 €
Financing plan
How the works are paid for before the grants land at the end of the site
Loans
1 loan
Prêt Ecair
24 200 € · 15 ans · 3,4 %
Instalment
212 €
Ecair
Sofinco
Total borrowed
24 200 €
Advances on the grants
3 grants
The grants are advanced to the customer so they do not wait for the end of the works.
MaPrimeRénov’
9 200,00 €
Energy saving certificates
3 480,00 €
Regional grant
1 520,00 €
Total advanced
14 200 €
Personal contribution
No contribution asked on this project
Total contributed
0 €
01
The amount left to finance
The works plan gives the cost of the works, the grants mobilised and the amount left to pay. That figure, computed from the real pricing job by job, becomes the household's financing need.
Camille Martin
/
Works plan
/
Financing
Whole-house retrofit
Generate the quote
Works
Financing
Cost of works
38 400 €
Total grants
− 14 200 €
Remaining cost
24 200 €
Financing plan
How the works are paid for before the grants land at the end of the site
Loans
1 loan
Prêt Ecair
24 200 € · 15 ans · 3,4 %
Instalment
212 €
Ecair
Sofinco
Total borrowed
24 200 €
Advances on the grants
3 grants
The grants are advanced to the customer so they do not wait for the end of the works.
MaPrimeRénov’
9 200,00 €
Energy saving certificates
3 480,00 €
Regional grant
1 520,00 €
Total advanced
14 200 €
Personal contribution
No contribution asked on this project
Total contributed
0 €
Add a loan
Choose the type of loan
Ecair loan
Personal loan to fund your works
Zero-rate eco-loan
Zero-rate loan for energy retrofit
Consumer credit
Personal loan to fund your works
Grant pre-financing
Short loan while the grants are awaited
02
Choosing the offer
Adding a loan opens the offers available on the project: Ecair loan, zero-rate eco-loan, consumer credit, grant pre-financing. Each one states what it is before it is opened.
Camille Martin
/
Works plan
/
Financing
Whole-house retrofit
Generate the quote
Works
Financing
Cost of works
38 400 €
Total grants
− 14 200 €
Remaining cost
24 200 €
Financing plan
How the works are paid for before the grants land at the end of the site
Loans
1 loan
Prêt Ecair
24 200 € · 15 ans · 3,4 %
Instalment
212 €
Ecair
Sofinco
Total borrowed
24 200 €
Advances on the grants
3 grants
The grants are advanced to the customer so they do not wait for the end of the works.
MaPrimeRénov’
9 200,00 €
Energy saving certificates
3 480,00 €
Regional grant
1 520,00 €
Total advanced
14 200 €
Personal contribution
No contribution asked on this project
Total contributed
0 €
Simulate the Ecair loan
The amount and the term come from the works plan
Amount borrowed
24 200 €
Repayment term
180 mois
Borrower cover
Co-borrower cover
First instalment deferred (6 months)
Ecair loan
212 €
/ month
INSTALMENT EXCL. COVER
190 €
COVER / MONTH
22 €
Sign up on the Ecair site
03
Simulating the instalments
The amount borrowed and the repayment term come from the works plan. Borrower cover, co-borrower cover, deferred first instalment: every option is set and the instalment recomputes on screen.
Camille Martin
/
Works plan
/
Financing
Whole-house retrofit
Generate the quote
Works
Financing
Cost of works
38 400 €
Total grants
− 14 200 €
Remaining cost
24 200 €
Financing plan
How the works are paid for before the grants land at the end of the site
Loans
1 loan
Prêt Ecair
24 200 € · 15 ans · 3,4 %
Instalment
212 €
Ecair
Sofinco
Total borrowed
24 200 €
Advances on the grants
3 grants
The grants are advanced to the customer so they do not wait for the end of the works.
MaPrimeRénov’
9 200,00 €
Energy saving certificates
3 480,00 €
Regional grant
1 520,00 €
Total advanced
14 200 €
Personal contribution
No contribution asked on this project
Total contributed
0 €
The household's monthly effort
Monthly loan cost
− 212 €
Monthly energy savings
+ 118 €
Net monthly effort
94 €
04
The instalment in the funding plan
The loan joins the funding plan, beside the advance on the grants and the deposit. The instalment appears, set against the monthly energy savings: the household reads its net monthly effort.
Customer space
/
Financing
Nicola Shaw
Customer space
Financing
Estimate your borrowing capacity and send your application to one of our partners.
Your debt-to-income ratio
26,6 %
The share of your income that goes to repaying credit.
Compatible financing partners
ÉCAIR
Favourable application
Zero-rate eco-loan
Consumer loan
Mortgage
Grant pre-financing
ÉCAIR
Sofinco
Favourable application
Consumer loan
What the partner checks
Loan types
Ecair loan
Kinds of work
4
Amount financed
24 200 €
District
69
Financing application
Download your documents and send your application to ÉCAIR.
Hello,
Please find my application for financing.
Customer: Nicola Shaw
Works planned:
- External wall insulation
- Windows and doors
- Air-to-water heat pump
- Balanced mechanical ventilation
Amount to finance:
- Ecair loan: £24,200 over 180 months
Debt-to-income ratio: 26.6%
Kind regards,
Nicola Shaw
Download the file (.zip)
Send by email
05
The application sent to the lender
In the customer space, the household enters its debt-to-income ratio, picks a compatible partner and collects its file: the documents in one archive, the message pre-filled with the works, the amounts and the ratio.
Our partners
ÉCAIR
ÉCAIR is a lender dedicated to energy renovation: advance funding of grants (MaPrimeRénov’, CEE) and works loans, built for contractors and their customers. Connected to Argile, it lets you simulate the instalments in the funding plan and build the application without leaving the tool.
Discover ÉCAIR (ecair.eco)
“When several teams are involved, everyone needs to work with the same information. Argile helps us standardize our visits and better manage our projects.”
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Camille Martin
/
Works plan
/
Financing
Whole-house retrofit
Generate the quote
Works
Financing
Cost of works and grants
Total cost of works
4 jobs
INSULATION
External wall insulation
18 400,00 €
Windows
3 260,00 €
HEATING AND HOT WATER
Air-to-water heat pump
14 900,00 €
Heat-recovery ventilation
1 840,00 €
Total amount
38 400 €
Grants
3 grants
MaPrimeRénov’
9 200,00 €
Energy saving certificates
3 480,00 €
Regional grant
1 520,00 €
Add a grant
Total grants
− 14 200 €
Remaining cost
Cost of works
38 400 €
Grants deducted
− 14 200 €
Grants land once the works are done: the financing plan covers the advance.
Remaining cost
24 200 €
Financing plan
How the works are paid for before the grants land at the end of the site
Loans
1 loan
Prêt Ecair
24 200 € · 15 ans · 3,4 %
Instalment
212 €
Ecair
Empruntis
Sofinco
Total borrowed
24 200 €
Advances on the grants
3 grants
The grants are advanced to the customer so they do not wait for the end of the works.
MaPrimeRénov’
9 200,00 €
Energy saving certificates
3 480,00 €
Regional grant
1 520,00 €
Total advanced
14 200 €
Personal contribution
No contribution asked on this project
Total contributed
0 €
Funding plan
Public grants, energy-saving certificate bonuses and financing built into the pricing: the customer sees the real cost of their project, what is left to pay and their monthly instalments before signing.
Customers
/
Camille Martin
Details
Dwelling
Works plans
Quotes
Admin & finance
Quote no. D2026-0042
History
Analysis
Preview
Save
The property
Energy renovation
Information
4
The quote
5
Terms
Next step
The quote
No.
Description
Qty
Unit
Unit price excl.
Total excl.
VAT
Price incl.
1
Installing an air-to-water heat pump
Technical specifications of the heat pump (mandatory)
3 STILL TO FILL IN
Area heated by the heat pump (m²)
e.g. 120
Seasonal energy efficiency ηs (%)
e.g. 126
Controller class
I
II
III
IV
V
VI
VII
VIII
1.1
Installing an air-to-water heat pump
10 600,00 €
11 183,00 €
1.1.1
Air-to-water heat pump 14 kW
1,00
U
3600,00
3 600,00 €
5,5%
3798,00
B
I
U
Heat output +7 °C / +35 °C: 13.00 kW. Heat output -7 °C / +60 °C: 10.10 kW. Seasonal space heating efficiency (35 °C / 55 °C): 150 % / 117 %.
1.1.2
Heat pump fitting and commissioning
1,00
U
7000,00
7 000,00 €
5,5%
7385,00
Add a line
2
External wall insulation (EWI)
2.1
External wall insulation (EWI)
22 500,00 €
23 737,50 €
2.1.1
Polystyrene insulation, R of 3.7 m².K/W or above
120,00
M2
120,00
14 400,00 €
5,5%
15192,00
2.1.2
Insulation labour package
120,00
M2
75,00
9 000,00 €
5,5%
9495,00
Discount
-900,00 €
8 545,50 €
Quotes
Equipment, labour and accessories come from the works plan, VAT applies line by line, grants are deducted from the amount due and the mandatory wording is already written: the quote goes out for signature without a proofread.
Catalogues
/
Argile catalogue
/
Air-to-water heat pump
Argile catalogue
Add a product
Article base
Central articles, shared across all your equipment
Careful, this article is shared
This article is used in 14 products; any change will apply everywhere.
Name / Reference
Brand
Purchase cost
Selling price
VAT
Unit
Used in
Liaison frigorifique 5 m
ATL-LF05
Atlantic
68,00 €
119,00 €
5,5 %
Unit
14 products
Ballon tampon 25 L
ATL-BT25
Atlantic
142,00 €
245,00 €
5,5 %
Unit
9 products
Câble d’alimentation 3G2,5
GEN-C3G25
—
3,10 €
5,80 €
5,5 %
Linear metre
37 products
Support antivibratile
GEN-SAV
—
24,00 €
42,00 €
5,5 %
Unit
22 products
Kit hydraulique 3 voies
ATL-KH3V-08
Atlantic
186,00 €
312,00 €
5,5 %
Unit
6 products
Vase d’expansion 12 L
GEN-VE12
—
31,00 €
58,00 €
5,5 %
Unit
41 products
Tube PER pré-gainé Ø16
GEN-PER16
—
2,40 €
4,60 €
5,5 %
Linear metre
28 products
Filtre magnétique
GEN-FM22
—
54,00 €
96,00 €
5,5 %
Unit
33 products
Catalogues
Argile builds your price library from the catalogues of the brands you distribute: every product carries its price breakdown, equipment, labour and accessories, with technical specifications checked one by one and tariffs carried through at every range change.
Browse the answers to the most frequent questions. And if needed, our team is here to help.
Contact us
ÉCAIR and Sofinco. Each partner declares the loan types it carries, and Argile only offers it the files whose funding plan holds a matching loan.
One demo, and you see your expertise proven.
Contact us