Personal Loans (Structured)
- We compare total cost, term length, and repayment flexibility
- Affordability is reviewed with your real monthly obligations in mind
- Designed to support your goals without squeezing your buffer
Products
Loan and investment options structured with discipline
Browse lending and investment categories built around one goal: a decision you can live with. Availability and terms depend on eligibility, documentation, affordability checks, and (where applicable) partner-provider requirements.
Product catalogue
Choose what you need
Florian Gap supports clients across funding and wealth planning with a “right-fit” approach—matching the objective, timeline, and constraints to the most appropriate option. Use the filters to explore, or visit Solutions for a guided overview.
Before you choose, we help you confirm three basics: your purpose, your time horizon, and what you can comfortably sustain. From there, we outline trade-offs, a realistic timeline, and the minimum documents needed to move forward.
Clear requirements
Realistic timelines
Risk-aware guidance
Advisor-led handling
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Funding products
Loans & creditFor individuals and businesses that value speed, clarity, and structured repayment.
Debt Consolidation Planning
- Map your current debts clearly (balances, rates, and timelines)
- Spot “lower payment, higher total cost” traps before you commit
- Build a realistic payoff plan that holds up over time
Major Purchase Financing Guidance
- Side-by-side comparison of financing routes (and their trade-offs)
- Planning around timing, fees, and any early repayment considerations
- Focus on keeping your emergency buffer intact
Working Capital
- Useful for seasonal revenue, timing gaps, and predictable cycles
- Affordability and repayment structure clarified up front
- We clarify repayment expectations and the true cost up front
Business Growth Funding
- Aligned to real revenue patterns (not assumptions)
- Term planning to reduce pressure on operations
- We help you prepare lender-ready documents and a clean use-of-funds summary
Real Estate Finance
- Built around timelines, milestones, and exit planning
- Structured collateral and documentation review
- Useful when timing is the primary constraint
Asset & Equipment Finance
- Asset-backed structuring where appropriate
- Term options aligned to the asset’s useful life
- Approval flow kept simple and organized
Investment products
Capital deploymentFor investors who value discipline, reporting cadence, and risk clarity.
Goal-Based Investment Planning
- Define the goal, horizon, and liquidity needs before selecting instruments
- Align expectations with what markets can (and can’t) deliver
- Document a plan you can follow through normal volatility
Risk Profiling & Portfolio Alignment
- Clarify how much fluctuation you can tolerate without abandoning the plan
- Build an allocation aligned to your real risk capacity, not guesses
- Set review checkpoints so adjustments stay intentional
Long-Term Wealth Strategy
- Prioritize diversification, liquidity buffers, and disciplined contributions
- Keep decision-making calm during headlines and market noise
- Tax-aware planning where applicable, based on your circumstances
Capital Preservation
- Prioritizes downside awareness and liquidity needs
- Clear objectives and expected time horizon
- Suitable for disciplined, non-speculative mandates
Income-Oriented Options
- Designed for reporting cadence and visibility
- Risk discussion stays clear (no hype language)
- Aligned to timelines and objectives
Structured Portfolios
- Allocation built around goals and risk capacity
- Documented mandate and review checkpoints
- Designed to stay consistent across market cycles
Growth-Oriented Mandates
- Guardrails agreed in advance (exposure, horizon)
- Clear view of what’s controllable vs not
- Approach remains disciplined, not speculative
Important: product availability, eligibility, pricing, and timelines depend on your profile and supporting documents. We’ll confirm requirements before you invest time in paperwork—and we never describe investing as “guaranteed” or “risk‑free.” Loans and investments can be powerful tools when used responsibly; our role is to ensure you understand the commitment, the downside, and what success requires after signing.
How we work
A structured process without noise.
Most delays (and regrets) happen when the basics are skipped. We start by clarifying the objective and constraints, then we map options side-by-side, and finally we guide execution with clean documentation and steady communication.
Discovery
We clarify your goal, your timeline, and the non-negotiables then confirm feasibility.
Structuring
We map the best route, explain trade-offs, and produce a clean document checklist.
Execution
We guide submissions, communication, and follow-ups so progress stays predictable and professional.