Compare the newest providers for a business loan without bkr. Borrowing business money without BKR review or also a business credit without BKR can be arranged easily and quickly – moreover, it is also cheap in a number of cases. Nevertheless, you have to pay close attention to the costs and risks of a number of providers.
A business loan without a BKR test is also suitable for a self-employed person without tax, or for a VOF or BV Business loan without a BKR test as a self-employed person is therefore also possible, but there are higher personal risks involved.
Request a bad credit payday loan
For a number of years there have been many new providers like https://acfa-cashflow.com/bad-credit-payday-loans/ of bad credit payday loan. They have creative solutions to offer you an unsecured small business loan for bad credit with various payment schemes. These loans are also suitable as a loan for a self-employed person with bkr.
These providers do not perform a BKR review but note that a number of these loans can be expensive. Cost percentages are from 3.5% to almost 100%. Applying for a loan is very easy: in many cases, you do not even have to give a reason for your loan. The rule is actually: The easier the loan, the higher the costs, and the higher your risk.
Be aware of the risk that you run. There are plenty of examples of freelancers and entrepreneurs who do not handle money well, and then spend years repaying expensive business loans. Fast business loans without hassle often causes problems when paying back, not when applying for it.
Business loans without credit
B2BusinessLening is a new provider in the Netherlands. It is perhaps the easiest way to apply for a loan. You can also quickly borrow business money here without any hassle. The money is deposited quickly, within 48 hours after the application you can have all the money. The minimum loan is 2,000 euros and you can borrow a maximum of 50,000 euros for your company.
However, you cannot use the loan as starting capital. You must already be an established company with an average annual turnover of at least 75,000 euros. B2BusinessLening does not review the BKR but does do it at AF Credit Services in The Hague. The loans are easy to get but expensive. Moreover, they charge interest per month, not per year.
Our average monthly interest rate is 3% of the capital you borrowed and is based on our credit assessment of your company. For each loan, we charge you a one-time transaction fee of 2.95% on the amount borrowed.
Via Corrine, you can immediately receive money if you have at least € 100,000 in annual revenue. Corrine offers you flexible business credit. This is a new service where you can always withdraw extra money from your credit until you reach your credit limit. With this, you always have capital available immediately. It is a kind of revolving credit, but for entrepreneurs.
Harrison.nl is a new provider in the Netherlands that takes things a little differently. This is because a loan is automatically repaid via debit card payments or other invoices. Credit advance automatically entails part of the payments and you pay the rest of the amount.
Do you not have an ATM? Then there is also the option to pay with a daily collection. They collect every day, 5 days a week. This process is fully automatic. This all happens on the basis of a fixed percentage of the turnover. If you earn more, you pay off your loan faster.
A similar provider is Pinvoorschot. They pioneered this form of business money. The principle is therefore exactly the same as Credit Forward. You get a loan and pay it back via debit card payments. These payments are therefore made through Pinvoorschot and after deduction of the repayment (a fixed percentage) you will receive the rest of the money in your account.
At Pinvoorschot there is no option to pay via invoices or direct debit. They are therefore less flexible. They can, however, make a customized proposal and you will always get a consultant on the floor who looks at your situation. Moreover, they also have another unique product: WEB advance. This is particularly useful for web stores.
Everyday part of the advance is repaid, depending on the online turnover of that day. If there is a lot of turnovers, more will be repaid; if there is little or no revenue, that day is repaid less or even nothing. Due to the simplicity of the product, the advance can normally be paid within a few days.
What does it cost to borrow business money?
Borrowing business money without testing is not difficult to arrange. Through the above providers, there is often little paperwork. However, the costs of this type of new business loans are not low. They are often higher than with traditional providers.
This is important to keep in mind. Are you self-employed and do you have a negative BKR? Then be aware of the risks involved in applying for a new loan. If your turnover goes down and your profit, you can get (even) deeper into debt. This is often not worth your company.
The costs seem quite low at first, but the actual costs are often higher than it seems. For example, there are providers that mention relatively low-interest rates, but those are per month. On an annual basis, the costs can amount to 50% or as much as 90%. Therefore compare the various providers to be sure of what you want and can do.