Loan for self-employed medium-sized companies

The Intrasavings bank Entrepreneur Loan for self-employed and medium-sized enterprises

The Intrasavings bank Entrepreneur Loan for self-employed and medium-sized enterprises

With the Intrasavings bank Entrepreneur Loan, everything that is necessary for the entrepreneurial activity can be promoted for self-employed and medium-sized enterprises. The Intrasavings bank entrepreneurial loan for self-employed persons for medium-sized companies includes, for example:

Investment loan

  • Furniture, fixtures and fittings
  • Machines, company vehicles
  • Purchase of equipment
  • Land and buildings
  • Software and computer
  • Intangible investments (licenses and patents)

The Intrasavings bank Entrepreneur Loan for self-employed and medium-sized companies is out of the question for additional financing of projects already started and for facilities for the use of renewable energies. The Intrasavings bank Entrepreneur Loan can be combined with other Intrasavings bank products and public subsidies.

Credit for self-employed medium sized company

Credit for self-employed medium sized company

An important decision for middle self-employed a loan is its intended use. Is this an investment loan that is used for private use. Those who spend a considerable amount of time on online credit offerings will also find banks and banks providing installment loans to self-employed individuals and medium-sized companies, regardless of whether the loan is used for business or private purposes. It is important to be aware of the possibility of special repayments, fees and early repayment of the loan, and possibly fees for providing credit.

Loan for self-employed and medium-sized companies without collateral

Loan for self-employed and medium-sized companies without collateral

As a medium-sized company that does not have enough collateral, it is often difficult to get a loan. A self-employed person can use a loan for different purposes. Self-employed people most often take out a loan and then invest this money as equity in the medium-sized company. As a self-employed person, you should be well-prepared for a loan application to convince the banks of the concept. For a completely private purpose, it is often difficult to convince the bank, because it is not invested in securities but in cars or a holiday.

Corporate loan for medium-sized companies

Corporate loan for medium-sized companies

A self-employed loan is an important element for financing. Borrowed funds can be obtained by self-employed persons from the house bank or from a promotional bank. The microfinance institutions also grant smaller loans to the self-employed. However, the online loan is an interesting form of financing for self-employed and medium-sized businesses. Also, grants are often given in the form of loans to self-employed and medium-sized companies.

Loan on Dispo selected

 

A loan is usually accepted to fulfill wishes. Banks are also making it easy nowadays. With a regulated income and if the creditworthiness has not taken any damage, there is no problem with a loan commitment. The consumer only has one thing left to do is choose the cheapest bank. But there are also cases where the credit is not intended for wish fulfillment. Being able to compensate a loan for the dispatch is also a reason for many.

Credit to be able to compensate for Dispo

Credit to be able to compensate for Dispo

The current account has the advantage that a loan is possible on a small scale due to the disposable disposable. Anyone who has a good income, also gets a corresponding disposition credit, called Dispo, provided. Without having previously spoken to the bank, this can be used at any time. Most account holders also use it. So it can happen that a current account is constantly in the minus. But eventually, the bank wants that the checking account is gradually being compensated. In the worst case even threatens the cancellation of the Dispos. But before that happens, the bank will invite customers to a conversation. In this personal conversation between the bank adviser and the customer, the possibility is opened up to be able to settle a loan around the MRP.

For the customer this is the better solution anyway, because the use of the Dispos costs interest, which are in the two-digit range. A loan is much cheaper. The disadvantage, however, is that the borrower has to repay the same amount to the bank on a monthly basis. When using the Dispos handles the bank more freely. A fixed amount for repayment is not required.

The creditworthiness

The creditworthiness

However, it is only possible to offset a loan for the MRP if there are no negative entries in the private credit. Once the credit rating has been damaged, German banks no longer grant credit. If you want to balance your account, you must contact the banks abroad who are not interested in the entries in the private credit. The so-called Swiss or Liechtenstein loans are the last resort for a loan for those affected.

Basically, the use of the Dispos lead to a debt. The use is really worthwhile only if it is used only for a short period of time. In addition, the income should be accordingly. Once the MRP is used to the limit, it is difficult to get back into a positive balance.

Loans and subsidies for the self-employed

Loans and subsidies for the self-employed, craftsmen and freelancers

Loans and subsidies for the self-employed, craftsmen and freelancers

There are now over a thousand loans and grants for the self-employed. But who knows the right credit for his situation? And if self-employed make an application for a loan, then you should know the conditions for it, otherwise a loan from a bank is quickly rejected.

We have put together a Leitwerk credits and funding description for self-employed. The tail unit can be downloaded immediately for 39,90.

An excerpt can be found at Leitwerk loans and self-employment funding.

Personal loan for self-employed without bank

Personal loan for self-employed without bank

If there is insufficient income for the self-employed in the last two calendar years, self-employed persons are usually refused credit by their bank. But there are now many alternatives, how self-employed can finance properly without their house bank. In the Leitwerk loans and subsidies, we have listed several interesting options. And there is certainly also suitable for you as a self-employed offers.

Credit for self-employed without private credit information

Credit for self-employed without private credit information

A private credit entry is usually three years in the private credit, even if the demand has long been paid! But a private credit entry means for self-employed with a credit rejection. Many self-employed people are denied access to the credit market.

In our Leitwerk loans and subsidies for self-employed, we have also listed offers in which a private credit entry plays no role. Find out about our reader test.

Credit counseling for the self-employed

Credit counseling for the self-employed

As a small business owner, you are responsible and responsible for everything. And there is no such thing as a man who knows everything equally well. Because everyone has strengths and weaknesses. Mid-sized and larger companies use qualified managers in positions of responsibility. And what can the individual entrepreneur do?

The self-employed has as a consultant his tax adviser and bank consultant! And? Did these consultants help you?

Financial advice supported by the Crediter

Financial advice supported by the Crediter

Our advice is promoted by Crediter from 50% to 90% . We help you to solve the most important problems and get suitable loans. Even Intrasavings Bank recommends: In case of problems, self-employed should get an external consultant.

You can apply for a consulting grant for the following types:

  1. Start-up companies up to 3 years after founding (start-up)
  2. Companies from 3 years in the growth phase
  3. Companies in difficulty from the 3rd year

Credit advice, if banks reject!

Credit advice, if banks reject!

  • favorable government loans by Intrasavings Bank with indemnity
  • Rescheduling expensive current account credit
  • Order pre-financing and increase warehouse
  • Guarantee of the guarantee bank if the collateral is too low
  • Capital raising for other purposes
  • Consulting cost subsidy 50% to 80%

There are banks that still finance if the house bank refuses!

 

Loan despite temporary employment

The term temporary employment company deters many people, as it is assumed that a temporary work. However, these companies provide workers to companies that have an increased need for labor for a certain period of time. The term “transfer of labor” is therefore much more meaningful, but is rarely used or is unknown to many. Employees of a temporary work agency are taken over like employees of companies after a successful trial period in a fixed or fixed-term employment. After this probationary period, which can last up to 6 months, employees can apply for a loan despite having to work on a temporary basis.

A loan despite temporary work, however, is earnings-related

A loan despite temporary work, however, is earnings-related

Depending on the qualifications, the hourly wages for temporary agency employees may vary. In the lower wage groups of companies many employees work at the collectively agreed minimum wages. Low monthly earnings are a credit decision criterion for many banks and credit institutions. Medium-term or long-term loans are therefore rarely given by the banks when income is low. If the applicant has a positive credit rating, however, the inclusion of a small loan is usually possible.

If the branch bank where the salary account is set up has a long and good business relationship, it can also be thought about the inclusion of a disposition credit. As a rule, the amount of this credit line is between two and three months’ salary. Note, however, in this form of credit, the high overdraft rates, which vary from bank to bank and are usually settled on a quarterly basis. In addition, a repayment credit can be terminated by the bank if the requirements are not met by the account holder.

A loan is usually a long-term capital commitment

A loan is usually a long-term capital commitment

Before borrowing, it should be checked in each case whether a loan is actually needed. Especially with low earnings, many workers are unable to cope with additional credit burdens, which usually last for a long time. If loans already exist, many borrowers quickly lose track of their monthly obligations and can not meet their payments.

Advice from a bank and a comparison of different loan offers are therefore advisable. Anyone applying for a loan in spite of temporary employment should also have full legal capacity, have reached the age of 18 and have a positive private credit information.

Loan for self-employed small businesses

Online loan for self-employed and small businesses

Online loan for self-employed and small businesses

A loan for self-employed small businesses is difficult to obtain today. Especially for small companies, it is difficult to get a small loan from the house bank. Alternatively, the Internet offers an online loan for the self-employed as well as small businesses. An advantage of online credit is that even small amounts of credit can be financed. Also, as far as conditions are concerned, an online self-employed loan is often more attractive to small businesses than bank loans.

Contents Self-employed loan for small businesses

Contents Self-employed loan for small businesses

  • Online loan for self-employed and small businesses
  • Data and documents for checking the online loan
  • State grants for the self-employed and small businesses
  • Personal loans for the self-employed and small businesses

Data and documents for checking the online loan

Data and documents for checking the online loan

The following data and documents from the self-employed and small businesses are required to verify an online loan application:

Data on the loan object

Data on the loan object

  • Amount and duration of the loan
  • Purpose and a brief description of the company

Data about the company

Data about the company

  • Name, address and legal form of the company
  • Further information on the founding year, annual turnover, sector and the number of employees

Data from the managing director

Data from the managing director

  • Name, address, date of birth, nationality and passport number from the managing director
  • Schufa information

Documents for the online credit check

Documents for the online credit check

  • ID card copy from the managing director
  • Annual financial statements of the last two financial years
  • Balance sheet and income statement of recent financial years
  • Business evaluation of the current financial year

After you have submitted all the data and documents in full, your online loan request is no more obstacles.

State grants for the self-employed and small businesses

State grants for the self-employed and small businesses

Anyone who, as a self-employed person and a small entrepreneur, does not apply for and receive government grants and subsidies, will be giving away cash. For self-employed and small businesses, government grants and subsidies are available from the federal government, the federal states and the local authorities. There are various institutions for self-employed and small businesses where these government grants and grants can be applied for. First and foremost is KfW Bank, which operates nationwide, as well as the individual promotional banks in the individual federal states, which provide various subsidy programs for the self-employed and small businesses.

Personal loans for the self-employed and small businesses

Personal loans for the self-employed and small businesses

The world is changing more and more. As an alternative to bank credit, personal credit is increasingly on the rise. Here, the money comes not from a bank, but from several individuals and investors. There are now private credit intermediaries for the self-employed and small businesses on the net. With a personal loan, it is easier to finance a business idea. A personal loan is more flexible in terms of the interest rate and the repayment period, but also the collateral is more flexible negotiable.