Personal loan to the self-employed
Get funds while staying in control of your finances
Enjoy a greater freedom with the personal loan to self-employed
Arrange immediately of your funds after the legal deadline
As soon as your credit agreement is active, the funds will be transferred instantly to the account of your choice, without constraints or supporting documents to provide.
Set up a reserve immediately available in case of need.
We calculate your maximum credit capacity in accordance with the Consumer Credit Act (LCC) and will suggest that you build a cash reserve. Use it to support your business, or deal with unexpected financial needs You secure your finances and your business.
Easily adjust your repayment plan.
Take advantage of the option to repay early with no additional cost. Your credit adapts to you, helping you save money. Your advisor will provide all the necessary information.
Our personal loan to self-employed offers you much more
Take advantage of a full tax deduction on your loan interests.
Lighten your tax burden by subtracting the interest on your credit from your income. You will easily optimize your tax level.
Enjoy our free credit consolidation service to lighten your budget.
We offer you a complete analysis of your commitments and a free service for grouping your monthly payments. You strengthen your cash flow by simplifying your monthly expenses.
Optimize your cash surpluses to adjust your monthly payments and save money.
When you have excess cash, you have the option of get ahead of your repayment plan and save money.
Financez votre matériel, vos locaux ou vos projets de développement
Obtenez un financement rapide et adapté à votre entreprise pour l’achat de matériel, l’aménagement de vos locaux ou le développement de votre activité. Une solution flexible pour accompagner votre croissance en toute sérénité.
A dedicacted certified advisor who takes the time to support you
At Credial, we grant great importance to your experience by providing you with a dedicated certified advisor.
Our commitment is reflected in continuous investments in the training of our advisors, so that they can offer you real added value.
Your advisor will listen to your needs and will provide you with all the information you need to help you make the right decisions.
A analyse full analysis of your solvency data andde credit capacity
The analysis phase is important for the success of your financing and is part of our support.
This accurate assessment will allow you to better understand your current financial situation and precisely determine your credit capacity. Cela vous permettra dans certains cas d'éviter un refus.
A personalized credit solution tailored to your needs
Because you are unique, you deserve financing that really takes into account your needs.
Our commitment to transparency is to keep you informed every step of the way and to take the time to clearly present your financing solution to you.
The secured and confidential treatment of your data
The protection and confidentiality of your data is our priority.
We have implemented rigorous protocols for identifying, processing and storing our customers' data in order to guarantee their safety in all circumstances.
In addition, we strictly comply with the most recent laws and regulations in this area.
Is it possible to get a loan as a self-employed person without providing a balance sheet?
Yes, a consumer loan for self-employed individuals can be obtained without a balance sheet. This type of financing is based on the borrower's personal income rather than the company's balance sheet. A detailed tax notice and, in some cases, recent bank statements are generally sufficient to assess repayment capacity.
What are the conditions for obtaining a loan as a self-employed individual?
To qualify for a loan as a self-employed individual in Switzerland, you must have been continuously active for at least two years. Additionally, it is generally required to provide proof of income through a final tax assessment.
What documents are required to verify income if you are self-employed?
Requirements may vary by bank, but most institutions require a detailed tax notice as the primary source of income. Depending on the records, this may be supplemented by recent bank statements to provide a more accurate picture of your financial situation. It is recommended to check with the lending institution to confirm the exact documents needed.
What is the difference between a professional loan and a private loan?
A professional loan is intended to finance the needs of a business, such as the purchase of equipment, business development, or cash flow management. Its approval is primarily based on the company's financial health, including its turnover, balance sheet, and profitability.
A private loan, on the other hand, is granted to an individual and is based on personal income. It can be used freely, including for business purposes if the self-employed person uses their own income. The approval of a private loan depends on the borrower’s repayment capacity and the criteria set by the Consumer Credit Act (LCC).
