The rate simulator
How the simulator works and the 7 factors that determine your rate.
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Your rate in 2 minutes
The DOB Capital simulator is the entry point to the platform. In less than 2 minutes, you get a clear estimate of how much it would cost to finance your asset and how it compares with banking options in your country.
No account needed. We don't ask for personal data. Just information about your operation.
What does the simulator calculate?
The simulator generates two main values:
- Indicative rate. This is the estimated rate for your operation considering all risk factors. It represents the annual cost of financing.
- Potential rate. This is the best rate you could achieve if you optimize certain factors (better credit score, longer track record, revenue verification). It's always lower than the indicative rate.
Additionally, the simulator shows a direct comparison with the average bank rate in your country. This way you can immediately see how much you'd save with DOB Capital.
The 7 factors that determine your rate
Our rate engine evaluates 7 variables to calculate your cost of financing. Each one has a specific weight in the formula:
1. Country
The jurisdiction where you operate is the most relevant factor. Each country has different economic, regulatory, and risk conditions. We operate in 14 Latin American countries with dedicated rates, each with a base rate adjusted to its reality.
2. Industry
The type of asset you operate affects the risk profile. A solar farm with long-term energy purchase agreements has a different profile than a vehicle fleet or a seasonal agricultural project.
3. Requested amount
The capital you need influences the rate. Amounts within the optimal range ($50K to $10M) allow for more efficient structures.
4. Term
The duration of the financing has a direct impact. Longer terms imply greater risk exposure and may adjust the rate upward.
5. Credit score
Your credit profile as an operator. It's not the only factor (unlike banks), but it does contribute to the overall evaluation. A good track record reduces your rate.
6. Track record
How long have you been operating this type of asset? Operators with proven experience get better terms. If this is your first asset of this type, the rate adjusts to reflect that additional risk.
7. Verifiable revenue
The revenue your asset currently generates. This can be verified by connecting your tax authority (SII, SAT, SUNAT, DIAN). Automatically verified revenue improves your rate.
How is the rate calculated?
The rate engine combines the 7 factors with a formula that considers:
- A base rate according to your country
- A spread that varies with your combined score (the 7 factors)
- A jurisdictional adjustment for regulation and country risk
- An industry adjustment based on your asset type
The result is checked against a minimum floor that ensures viability for the investors who fund your operation. The minimum indicative rate is 10.5% annually and the minimum potential rate is 9.5%.
The payment structure
DOB Capital uses a fixed monthly installment (principal + interest) structure, also known as an amortizing loan. This means:
- Each month you pay a fixed installment that includes a portion of principal and the corresponding interest
- At the end of the term your debt is fully paid off, with no surprise final payments
This structure gives you total predictability: you know exactly how much you pay each month from day one. If your financing includes a grace period, during those months you only pay interest and amortization begins afterward.
What happens after you simulate?
Once you see your rate and the bank comparison, the simulator invites you to unlock the full monthly payment breakdown. To do so, you just need to provide your email.
After that, you can complete a secondary form with your name and WhatsApp so an advisor can reach out, or you can continue on your own by creating a free account.
Your simulation is saved automatically. If you create an account, you'll find it in your operator dashboard ready to become a published asset.
Try the simulator
It's free, takes 2 minutes, and requires no sign-up. Compare your rate with your bank's and decide if it's worth moving forward.