Features / Lenders

Lenders

Financing the project, right inside the quote

Request a demo

No commitment, 30-minute demo

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

They already trust us

DorémiSaint-GobainIllico TravauxCarrierCrédit Mutuel ArkéaChadapauxLa Maison des TravauxEffyCrédit AgricoleGC GruppeHomeServeDualSunEnsol

+2000

installers

offer their customers financing from Argile

10,000

products

kept up to date in our manufacturer catalogues

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

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)
Cengiz Donmez, Whole-home renovation
Cengiz DonmezWhole-home renovationGroupe TILKEO50 employees

“When several teams are involved, everyone needs to work with the same information. Argile helps us standardize our visits and better manage our projects.”

These features should interest you too

The Argile building blocks that pair best with this one, from the survey through to the job site.

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.

FAQ

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.

Ready to finance projects without keeping customers waiting?

One demo, and you see your expertise proven.

Contact us