Professional loan application advice
The professional loan is an attractive option if you need to raise a business to start a new business. This also applies if you are looking for financial investments to develop your business. Whether you practice a craft, commercial or liberal profession and whether you are the head of a VSE, an SME or a SMI, our company dedicates a broker to you to negotiate your loan request.We give you the benefit of our experience and privileged relationships built with financial partners, banks and credit organizations for many years.
Finance a professional project via a professional loan
Do you have the ideas but your budget is insufficient to implement them? The professional loan will be your ally to finance a project in which you believe.
A credit brokerage expert will play a decisive role in helping you obtain a satisfactory offer proposal.
You should therefore be aware that various criteria are scrutinized by banks and lending organizations when preparing a loan proposal. It is for them to ensure some guarantees.
To do this, they specifically examine 4 criteria before granting a loan:
– The creditworthiness of the applicant and / or their company
– The company’s balance sheet and operating account
– The company’s forecast balance sheet
– The justified contribution that you are able to invest directly
The last point above will prove decisive in the proposal made by the lender. With a justified contribution reaching 20% of the purchase price, your loan request will be taken with more consideration and will have a good chance of leading to a very good contract.
Two kinds of business bank loans
A bank or lender has two types of loans:
– The short-term loan used to finance the operating cycle as well as the necessities to ensure sufficient working capital for your business
– The long-term loan used to finance the tangible and / or intangible investments of your company
Use a broker to negotiate advantageous conditions
In order for your professional loan request to be taken into consideration and negotiated under the most advantageous conditions, the broker is the expert to be called upon.A brokerage professional takes care of finding the most profitable banking offers that can serve the interests of your company. He will therefore need to establish a privileged relationship with your chartered accountant and your legal advisor.
His negotiating skills will allow him to convince banks or lending organizations to present you with an attractive contract. He will therefore have the task of completely constituting your loan request, before going to file it officially.