If you are self-employed and need money to pay off your debts or even to maintain your business, know that it is possible to make a loan for self-employed through some financial companies.
So, check out some tips below for requesting loan for self-employed, increasing your chances of getting the money quickly and how to find the best loan deals.
How can I get a loan for self-employed people?
A difficulty that many professionals encounter when requesting a loan for self-employed, is the difficulty in proving income. However, there are financial companies where the client can prove income through proof of financial transactions and the self-employed professional's current account.
Personal loan for self-employed
This kind of loan It is for those who need money as quickly as possible. In addition, some companies do not require proof to make the payment. loan, only income approval.
In this case, as mentioned above, proof is provided through bank statements to prove the monthly income of your company and services.
Secured loan for self-employed workers
Another option is the secured loan in which It is possible to request a higher credit, but the repayment term is shorter and the rates are also shorter. In addition, the client can leave an asset as collateral, such as a car, house or land depending on the loan amount.
Loan for self-employed people with bad credit
Despite being a type of loan It is more difficult to get approval, but it is still possible to apply for a loan if you are self-employed and have a negative credit history. However, few companies work with this type of loan and we recommend looking for financial institutions that specialize in this modality.
But it is worth remembering that generally, loans for those with bad credit may have higher interest rates and it is recommended that there are no delays so that the debt does not increase.
Positive Registration
THE Positive Registration, is nothing more than a history of data about the customer that shows whether or not he or she is a good payer. In this case, many check whether the customer has a positive record before releasing credit.
If you are able to pay your bills on time and do not have any debts in your name or in the name of your company, you can increase your chances of being approved for a loan with a positive credit history.
Which companies offer loans to self-employed people?
Furthermore, to make life easier for many self-employed people who are looking for loans, Serasa eCred makes available on its website which serves as a loan search engine.
The customer simply needs to fill in their personal details, indicate the amount they need to borrow and how many installments they intend to pay in. The platform can then search for the best loan offers according to their needs.
Finally, to request a loan for self-employed, first of all you need to assess whether you really need it and whether it will harm your budget. Then, look for the best options with lower interest rates and longer terms.