Credit for a liberal profession: explanation, simulation
The liberal professions can benefit from tailor-made credit offers for their different needs, both personally and professionally. Explanations.
To finance the activity of liberal profession
Many freelancers with liberal professional status have one-time cash requirements, which can be obtained through a consumer loan and can be used to deal with unforeseen expenses or downturns, related to seasonality. Some also use credit to repay tax debts, related to a bank overdraft or a levy of the URSSAF for example. The idea is to apply for a loan quickly but without forgetting to choose the right formula.
The profile of a liberal profession is particular, particularly in relation to the activity and in comparison with a more traditional profile like the employee. Banks are therefore more demanding on the guarantees to be provided, so it is strongly advised to ask online loan comparators, allowing to solicit specialized institutions in the cash loan for liberal professionals.
Cash loan, the scenarios
In the context of a cash loan, that is to say the use of financing belonging to the family of consumer credits, the liberal professional will have to provide certain information relating to his professional situation and his personal situation. The amount of credit will be important because it will determine its nature and the need or not to provide collateral, such as a bond for example. As part of this bond, it is possible to rely on the personal wealth of the leader, this is called the solidarity surety.
To validate the obtaining of a cash loan, it is necessary to file a file to have a first idea of the current conditions of the loans in the professional field. It will also be necessary to provide supporting documents such as identity card, statements of account but also the last two balance sheets. In the context of a recent creation or resumption of business in a liberal profession, an interview will be necessary with a financial advisor, who may eventually ask for a business plan, or the balance sheets of the former manager.
Liberal profession: simulating an online loan
It is difficult to get a clear idea of the amount that can be obtained, the rate and the repayment term. These elements can only be estimated as part of an online pro credit simulation, it is a service that is offered free of charge and without commitment. Simply complete the form not taking care to specify the desired amount but also the personal information of the entrepreneur in liberal activity.
The interest of simulating a loan through a simulator is to survey the credit institutions present in the business loan market, it is possible to receive several credit offers from organizations offering financing for liberal professional activities, they have a better knowledge of the problems faced by these leaders and can provide them with tailor-made advice.