Although a few years ago there were not many options to obtain loans for freelancers, particularly the financing without collateral, currently the offer of loans for freelancers has diversified significantly. This has been made possible with the overcoming of the economic crisis, but especially thanks to the emergence of companies that offer online loans through various methods and using comparators.
In this way, the possibilities of loan for the self-employed have multiplied, with variations depending on factors such as the age of the company, the turnover and the objective of the financing. Next, we know some types of credit for freelancers.
Loans for freelancers without collateral
The emergence of private credit companies on the Internet opened the possibility of fast loans for freelancers. Faced with the need to obtain fresh financing in the short term, this option does not require many paperwork or paperwork. On the other hand, obtaining loans for freelancers without collateral under this modality implies a limit on the amount to be requested. This can range between 300 and 600 euros and usually must be returned in short terms.
Financing for freelancers with SDV loans
Along with online loans, financing for freelancers through the SDV is an interesting option to consider. The SDV offers different lines of credit depending on the activity and objectives of the companies, such as financing for the investment of SMEs to loans for self-employed businesses aimed at growth in new markets. It should be noted that the SDV, as a public entity, offers better financing conditions than traditional banks, although it works with private financial entities.
Unlike other loans for freelancers, these are granted exclusively through crowdlending platforms, without the involvement of private financial institutions. These allow the meeting between professionals who need loans for independent projects or to boost their autonomous businesses. Its operation is simple: the platform is responsible for analyzing the profiles and assigning the corresponding irrigation levels, while the investors analyze the cases and decide when and with whom to invest.
Loans for freelancers with credit cards
Financing for freelancers through credit cards is another way that allows the entrepreneur to get up to 2000 euros in credit, using a card from entities such as La Caixa, Bankia, Banco Popular or BBVA. However, fast loans for freelancers are a similar modality, in the sense that the repayment terms are short. Eventually, with this option the self-employed person may opt for a debt refinancing in case he needs it.
Instant credits for freelancers
It constitutes a financing modality for freelancers with a simple application and quick concession and return, as well as a growing trend in the market. They allow to obtain up to 1,200 euros and the return period can vary between one and three months, always depending on the level and regularity of income of the applicant.
The commitment of cars as financing for freelancers
This is an unusual financing option among freelancers, although it can be an alternative and expedited way when it comes to obtaining a quick loan if a traditional guarantee. It is enough that autonomous and has an industrial vehicle, such as a van or truck, make an appraisal of the car, a simple paperwork, and ready. In this case the loan may vary depending on the car (or car fleet), and It can be granted in less than 24 hours.