Savings bank Credit for self-employed
For a long time, many independent companies had to wait until their savings bank now also offers a special loan. The problem so far has always been the rating procedure with the credit rating and the collateral. If self-employed people did not fulfill all the requirements for a loan with their savings bank, then a business loan was often quickly rejected!
Now there are possibilities to apply for a savings bank loan for companies, craftsmen and freelancers online via Savings bank Leasing. We are happy to assist you with our financing advice.
Favorable credit from Savings Bank via Intrasavings Bank
Not always the credits of the savings bank are the cheapest offers. Because at the cheap Intrasavings Entrepreneur Loan banks and savings banks earn only a small brokerage commission. Therefore, they are more inclined to sell expensive loans such as overdraft. If self-employed craftsmen and freelancers then took advantage of the current account credit, the savings bank offers only little scope for a rescheduling.
In this case, the Savings Bank could apply for Intrasavings Unternehmerkredit, which is favorable for companies, with a release from liability and grace-free start-up years. But which entrepreneur already knows the state funding opportunities and subsidies of the federal states, the federal government and the EU?
Business consulting for small and medium-sized companies
As an independent and neutral management consultant, we specialize in financing and support consulting. Our advantages: We do not sell you any loans or loans that we use to earn the most commissions, but we can recommend what is best for your business. The disadvantage: As a service provider, we charge a fee. If your company has been active in the market for two years, you can apply for a 50% consultancy grant for old states and 80% for new states.
Rescheduling of current account credit with Savings Bank
It is difficult to repost a bank overdraft facility with their savings bank. Since her savings bank is little interested. But companies can apply for a pre-financing or supplier credit with a working capital loan from Intrasavings Bank or the promotional lending institutions of the federal states with favorable interest rates. This can then be returned to the expensive current account credit.
Another initiative would be the move to a new house bank.
Loan comparison for self-employed
On the Internet, many loans and loans are offered with high fees and terms. So-called loan sharks offer a quick loan with 2% interest per month. If a company only needs a liquidity loan for 2 to 3 months, then this is still conceivable. But if the loan can not be repaid after 3 months, the interest is 24% in the year and 48% in two years. With a loan of € 50,000, over € 20,000 in interest will be added! This can often ruin a small business and drive it into bankruptcy!
Therefore, we recommend a neutral loan advice for the self-employed with a financing requirement. We know the requirements of credit providers and can choose the cheap and feasible loan for the self-employed.