Loan for self-employed people despite Credit bureau


A loan for the self-employed is quite possible despite Credit bureau. Unfortunately, it is not quite as uncomplicated as the first look at the advertising promises. The article describes the requirements that must be met in order for a loan to be possible for self-employed people without a credit intermediary despite Credit bureau.

Loan for the self-employed despite Credit bureau – problematic starting point

Loan for the self-employed despite Credit bureau - problematic starting point

Not only a loan for self-employed people despite Credit bureau is difficult to obtain. For self-employed people and freelancers, lending is not straightforward, if the reputation is otherwise good. The problem is proof of income. Hardly any credit institution is willing to bypass international contracts so that income from self-employment is equal to employee income. The only exception, to the bureaucratic effort involved in a loan with the BWA, is the loan with the income tax notice.

Credit opportunities only exist outside of the usual financing channels through banks and other credit institutions. When it comes to a large planned company expansion, it can be interesting to bring an additional partner on board. Just like small savers, the owners of large assets in times of low key interest rates have the problem of investing their capital profitably. The chances of finding a silent partner for the GmbH are not bad at the moment.

Sole proprietorship – credit opportunities despite Credit bureau

Sole proprietorship - credit opportunities despite Credit bureau

Individual entrepreneurs can of course also benefit from the investment power of private investors. However, the search for a silent partner is out of the question. The offers for private lending within the large portals are interesting. There are not only private prospects for a loan for entrepreneurs with a pure Credit bureau. Even a loan for the self-employed despite Credit bureau certainly has credit opportunities with private investors.

A completed Credit bureau entry and a Credit bureau scoring value of at least H is the prerequisite for being approved on all platforms. The key to granting credit from private lenders is a good presentation of the loan request. Honesty and openness are expected when dealing with the Credit bureau entry. Interested parties who simply do not activate the Credit bureau certificate generally do not receive any bids.

Present the loan request correctly

Present the loan request correctly

Nobody gives a loan out of pity. The credit request should therefore radiate the vitality of a successful entrepreneur. It is advisable to present the company’s development in a positive light, without exaggerating or deviating from reality. It must be clear to the investor that the borrower is careful. The investment is therefore not a risk, the investor will get his money back.

If it is difficult to prove the repayment security with reliable figures, there is a way out. The vehicle could be offered as collateral for the loan. This requires a recognized safety assessment. The mortgage lending value provides the additional necessary credit protection. According to the portal operator, the vehicle, as a guarantor for the loan repayment, ensures a loan approval in most cases.

Nevertheless, the loan request should not be too ambitious. A loan for the self-employed despite Credit bureau is a risk loan. Only if an investor is really convinced of the ability to repay will he make a bid.

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