The loan is a great way to finance a business start-up, be it a small or medium structure, rates may vary and it is advisable to compare offers before taking out a business loan.
Business creation: financing
In France, just under 600,000 companies were created in 2017 according to the AFE observatory (Agence France Entrepreneur), a figure that has increased by 7% compared to 2016 and demonstrates the willingness of many entrepreneurs to jump not. If some have not yet started the creation of their business, it is partly because the question of financing remains unresolved. If the business plan is of great importance, we must also find a financial organization capable of supporting the creation of activity and with attractive rates.
In terms of professional loan, bank credit remains the preferred solution by most entrepreneurs because they can master its obtaining and smooth repayment. Its duration can vary between 5 to 12 depending on the nature of the property and the credit may need to provide some guarantees from the borrower.
Business start-up credit
The professional financing organizations have banking products adapted to all the needs of the borrowers, it may be a need for one-off cash flow, support for an investment (in France or abroad) but also credit appropriations. company for the creation of an activity. The bank will look at the project, and ideally you have to provide some guarantees, starting with the business plan. This document will allow to analyze the type of activity, the implementation and especially to reassure the lender on the work done upstream.
The contractor must also provide a personal contribution and / or a deposit, two obvious guarantees to cover the repayment of the debts in case of difficulties, the contribution will make it possible to obtain more easily the loan and the deposit will be a reassuring element for the bank. Beyond these elements, it is above all a case-by-case analysis, some of which are easier to obtain than others. It is necessary to be convincing and especially to present a solid file.
Compare professional loan offers
Like any loan application, it is possible to compete for the best rates. The comparator is therefore the right tool to solicit the offers of several credit institutions as part of its need to finance a business creation. The principle remains relatively simple since it suffices to file an application in the online form so that it is communicated to organizations that can respond favorably. There follow several credit proposals with the possibility of comparing the rates for each.
The interest of the simulator is above all to save time in its efforts and to survey all professional credit organizations, it saves time with appointments in agencies but also to centralize requests within a single service is also free and without obligation.