Receive no support as a self-employed person
As a self-employed person, you are not a welcome customer at the banks. You are welcome to open a business account there and store the income. But if you want to take out a loan and therefore need the help of the bank, you suddenly become very cautious on the part of the bank and like to refer to the creditworthiness, which, as is well known, is not quite as good for self-employed persons. Because when it comes to creditworthiness, it doesn’t matter that you have an income, but how you draw it. And there can be major fluctuations during self-employment.
If, for these reasons, you are not heard at the house bank and receive no support as a self-employed person, the call for a Credit bureau-free loan is usually loud. A Credit bureau-free loan for the self-employed is also not so easy to obtain, since the collateral is again missing here. But the chances are better than with a conventional loan.
A Credit bureau-free loan for self-employed people on the Internet
The best offers can usually be found on the Internet. But be careful: collateral is needed everywhere. Even for the self-employed. And if these guarantees cannot come from Credit bureau, it is particularly important that you have high and above all stable income. No financier has anything to give away. And who promises money even under very unfavorable or actually hopeless conditions is a charlatan and does not want to lend money, but only earn something himself.
It is therefore very important that you only accept offers that do not require advance payment. Anyone who has to pay fees for a loan before it has even been signed will not get a loan. Reputable companies only earn money with the loan and not in advance. In addition, all documents should be on hand for the exception of the loan.
A Credit bureau-free loan for the self-employed also requires proof of income that should come from the tax office or a tax advisor if possible. In addition, the lender wants to have a forecast regarding the development of the income. And surely he would also like to know in which context the money should be invested.
All in all quite a lot of things that have to be done and fulfilled for such a loan. But as you know, no hard work without hard work. That would be the loan in this context.