ziad-rahbani.com http://www.ziad-rahbani.com My WordPress Blog Thu, 14 Mar 2019 17:04:11 +0000 en-US hourly 1 https://wordpress.org/?v=5.1.1 Loans to Protesters and Bad Payers with Sole Proprietorship http://www.ziad-rahbani.com/2019/03/14/loans-to-protesters-and-bad-payers-with-sole-proprietorship/ http://www.ziad-rahbani.com/2019/03/14/loans-to-protesters-and-bad-payers-with-sole-proprietorship/#respond Thu, 14 Mar 2019 17:04:11 +0000 http://www.ziad-rahbani.com/2019/03/14/loans-to-protesters-and-bad-payers-with-sole-proprietorship/


The search for loans to protesters and bad payers with an individual company leads many workers to seek someone to act as their guarantor in order to obtain a loan: in fact, unlike permanent employees who can count on the guarantee of the payroll, the obtaining a capital is much more complicated for individual companies, especially if there are reports in the databases consulted by the financial companies due to missed payments or checks protested in the recent past, for which access to credit becomes very difficult. The best solution would be to be removed from the registers and then request a loan, but very often the need for liquidity is immediate and you absolutely need a loan for bad payers and protested with an individual company : in this guide we will see all the possible solutions in this regard, with the necessary premise that without very strong guarantees it will be almost impossible to obtain a sum of money from a credit institution or financial company.

What does individual company mean?

Let us first clarify what it means to be a sole proprietorship, since maybe not everyone has a clear definition: in this way we define that type of company that refers to only one owner, that is the entrepreneur, for which he is the only responsible and also the only promoter of his entrepreneurial initiative.

The sole proprietorship is considered the least burdensome and simplest way to start working on its own, since no particular bureaucratic requirements are required except for the opening of the VAT number, and it is the condition, if not privileged, often inevitable to carry out a whole series. of professions. From a financial point of view, this means that the professional or entrepreneur in a VAT number puts his personal resources as the only asset available to the company, and from this very often the need to obtain credit derives. But what to do if you run into financial problems? Here it becomes necessary to apply for loans for protesters and bad payers with a sole proprietorship, in the form of a subsidized loan, or much more often of bank financing.

What are the possibilities of subsidized loans?

What are the possibilities of subsidized loans?

The considerations and information given below apply to general guidelines: in fact, there are a series of subsidized loans for start-ups and individuals with a VAT number, both when starting up their own business and when they have already been created but need anyway of capital. There are essentially two ways to go, namely:

  • Microcredit
  • Honor loan

As far as the first aspect is concerned, there are indeed opportunities to obtain solidarity microcredit to help those who are in financial difficulties, which differs in part from traditional microcredit, designed to finance an activity without a need for liquidity that exceeds 25 thousand euros. Instead, this solidarity microcredit, designed especially for those who have had protests or is a bad payer due to financial problems, makes it possible to obtain an amount of up to 7,500 euros with a maximum amortization plan over 5 years, at a subsidized rate of 3%, provided to natural persons who appear morally able to engage in a project to develop their own potential, which also passes through the conscious use of money, so as to start a business or overcome temporary difficulties that involve themselves or even their family.

The honor loan

The honor loan

Now let’s see if among the loans to protesters and bad payers with an individual company we can also consider the loan of honor for young entrepreneurs, reserved for unemployed people aged between 18 and 35, capital distributed through the Invitalia agency for half for a grant and for the other on favorable terms. The honor loan is actually designed for those who want to open a business with a sole proprietorship, but the evaluation of the loan application is up to the agency, so the presence or absence of negative reports on the financing could affect the acceptance of the request. For other types of specific financing for the professional activity, such as internationalization and digitization, they can be implemented with the help of European funds, so it is necessary to present certain additional guarantees with the credit institutions that supply them.

The loan with bills of exchange in the absence of a pay slip

The easiest way to get loans to protesters with a sole proprietorship is to turn to the financial companies that provide loans with bills, since in the absence of pay slips and with negative reports at their own expense it is often the only viable solution. The bills of exchange are credit instruments such as drafts or I will pay that allow the issuer of the security to obtain the corresponding sum of money indicated by the security within the established term, otherwise the attachment of the debtor’s assets to recover the agreed capital back. The bills of exchange, to be considered valid, must be countersigned by the debtor and certified by a special stamp.

To obtain the financing, the individual firms must carry a series of documents in support of the application, which generally appear to be the following:

  • Copy of the identity document of the company owner
  • Health card or tax code
  • The VAT number
  • The Chamber of Commerce inspection, a document containing all the information and data relating to the individual company present at the Chamber of Commerce
  • The tax return submitted in the last year, if not in the last two

In addition to this standard documentation, further requests can be added by the funding body, additional guarantees that go to accompany the issue of bills of exchange. Some financial companies, for example, require that the VAT number has not just been opened, but that it has already been active for at least 2 or 3 years, so it is even harder for new professionals or entrepreneurs to obtain the necessary capital in the event of protests or reports like a bad payer.

The cost of the note loan

The so-called loan or exchange loan has financial conditions that are not always advantageous due to a higher interest rate than the market average, so it is always good to get more quotes and evaluate the actual convenience. Furthermore, alongside the signing of the loan agreement with bills of exchange, it is compulsory for protesters and bad payers also to combine an insurance policy on the life of the applicant, or in some cases even the stipulation of a specific insurance cover against the risk of failure to pay bills issued. However, there are also advantages in the loan with bills of exchange, depending on the type of institution to which one turns, such as the opportunity to move the date of the bill issued to postpone the payment, through a simple agreement between the parties.

Personal loan with ancillary guarantees

Contacting a traditional bank to apply for loans to protesters and bad payers with a sole proprietorship necessarily involves the presentation of the accessory guarantees that reinforce the position of the reported in end-to-end knowledge company. For professionals and entrepreneurs with VAT, the following are required:

  • The presence of a guarantor, who replies with his own assets in the event of the insolvency of the loan applicant
  • Ownership of valuable and immovable property, which is instrumental to the working activity or merely personal, on which the credit institution can rely for a compensation of the capital following the eventual non-fulfillment

In the presence of such forms of guarantees, one could actually have a concession of the capital required and considered necessary for the development of one’s individual company.

Ask for a loan with guarantor

Having negative reports as protesters or bad payers, and in the absence of pay slips, the least complicated way to try to obtain capital is to rely on a guarantor who has a solid financial position and a proven credit standing to ask for a surety: being a double signature financing, this third figure, which is generally a family member, assumes the responsibility to settle any amortization installments not regularly paid by the principal holder, within the term established with the financial company or credit institution.

The documents of the guarantor to be presented to the financial company or to the credit institution must prove the sustainability of the depreciation, so the guarantor should:

  • Being an employee with a permanent contract
  • Not having any other financing in progress or if he has it must be able to support the new debt
  • Have assets or real estate as a further guarantee (optional)
  • Not to be reported as protested or bad payer

Property of furniture and buildings


Another way in which you can try to apply for loans for bad payers with a sole proprietorship at a bank or financial institution is to offer your assets as collateral, whether it is a property or movable property that can be as much the result of personal assets as closely connected business activity: this is possible ask for a mortgage on the property or offer the guarantee of a recovery of the disbursed capital and the interest through other assets made available. The disbursement of money is strictly connected to the estimated value of the assets and to the possibility of being able to effectively retaliate on what is made available by the applicant under warranty.


Undoubtedly, the absence of an envelope complicates not just the provision of a capital, however some concrete possibility of loans to protesters and bad payers with individual companies as we have seen is feasible, provided you make available or real guarantees that can strengthen its position, or by relying on bills of exchange that with all its pros and cons represent a type of financing that is more accessible for those who have suffered financial problems and do not have a pay slip. It is worthwhile for entrepreneurs and professionals in VAT, especially among the youngest, to try to advance requests through the channels of microcredit or loan of honor, loans at favorable conditions that can help set up a start-up, a individual enterprise or even simply to solve its economic problems in its most solidary version, like the microcredit offered by a network of institutions to those who are more in difficulty.

http://www.ziad-rahbani.com/2019/03/14/loans-to-protesters-and-bad-payers-with-sole-proprietorship/feed/ 0
Online Financial Loans of Cooperative Credit http://www.ziad-rahbani.com/2019/02/26/online-financial-loans-of-cooperative-credit/ http://www.ziad-rahbani.com/2019/02/26/online-financial-loans-of-cooperative-credit/#respond Tue, 26 Feb 2019 11:06:33 +0000 http://www.ziad-rahbani.com/2019/02/26/online-financial-loans-of-cooperative-credit/


Creditmeck is the online personal loan offered by the BCC, the banking group of the Cooperative Credit, which includes more than 400 institutions distributed throughout Italy, with 4 thousand branches serving over 5 million customers. In June, the online loan has been deeply revised in all its aspects and presents some interesting news both for what concerns the interest rates and for the conditions under which it is paid. With Creditmeck you can request loans through the simplest and most daily technological devices such as computers, tablets or smartphones, thus making the management of your finances immediate and usable for everyone.

Technical features

With the online loan Creditmeck you can request up to 30,000 euros repayable in convenient monthly installments up to 84 months the new service of Digital Signature, allows you to sign the financing contract directly online and conveniently from your home.

On the home page of the Creditmeck website you can easily access a section where you can enter the desired loan amount. In a few seconds, depending on the duration chosen, the depreciation plan is calculated. These rapid steps allow the stipulation of a personalized contract that the user can approve and endorse by inserting the digital signature. In this way the request is promptly forwarded to the referring banking institute which, in the event of approval of the loan, provides to provide the capital in a short time.

Currently the applicant can also take advantage of a favorable promotional offer that provides an interest rate online with TAN starting from a competitive 6.95% and a total elimination of the costs of practical investigation.



Creditmeck, like all the main types of personal loans, falls into the category of “non-finalized loans”, ie not tied to the purchase of a specific asset. On the contrary it can offer a valid support for all the sectors of the associated life: the purchase of cars, motorcycles, household appliances, computers, renovations of buildings, travel and holidays.

In general, the request can be approved for all types of projects, concerning ideas, hobbies or passions to be implemented. The main advantage lies in the flexibility of the payment that can cover the whole amount or only one part, you can make it in comfortable installments or in one solution, thus modulating the individual budget.

Final considerations

Online loans have been on the market for several years now. This is a particularly direct, flexible and often more advantageous method of financing for the applicant, especially for the interest rates of TAN and TAEG.

Let us briefly recall the meaning of these two important indicators: For further clarity we highlight some differences between the rates of a loan. TAN and TAEG. The TAN (Nominal Annual Rate) indicates the pure interest rate, is expressed as a percentage and is calculated on an annual basis. Instead, the APR (Annual Effective Annual Rate) accurately calculates the periods in which repayments are made and considers other incidental expenses (for example, management and collection costs, stamp duty, etc.). It is, in other words, a global indicator of the cost of financing.

The TAN and the TAEG with Creditmeck are quite convenient compared to other offers on the market. Indeed, thanks to the reduction of many fixed costs, lending companies that offer online loans can make available products from the most convenient conditions for the contractor, who will thus be able to benefit from an APR lower than the average. For example, requesting an amount of 2000 euro to be repaid in 12 monthly installments we will have a TAN interest rate of 6.95% which corresponds to an APR of 10.56% with monthly installments of € 173.01. Considering, on the other hand, a loan of € 30,000 repayable in 84 monthly installments, the APR falls to 8.38% with a monthly payment of € 466.84.

In conclusion, the most immediate strength of this type of financing consists in a greater speed in the procedure for requesting capital, thanks to cost estimation systems on the web, to which support is generally supported through telephone or instant messaging channels. chat line. In this way, the customer who wishes to activate a loan will no longer have to go to the branch of the credit institution, as in the past, but will have at his disposal real time clear and transparent information about the conditions of the loan. Above all he will be himself an active part of the process of stipulation of the contract being able to decide times and methods of activation and payment.

http://www.ziad-rahbani.com/2019/02/26/online-financial-loans-of-cooperative-credit/feed/ 0
Looking for the that perfect business loan? http://www.ziad-rahbani.com/2019/01/21/looking-for-the-that-perfect-business-loan/ http://www.ziad-rahbani.com/2019/01/21/looking-for-the-that-perfect-business-loan/#respond Mon, 21 Jan 2019 16:30:17 +0000 http://www.ziad-rahbani.com/2019/01/21/looking-for-the-that-perfect-business-loan/

With a branch in five different countries, Gandalf is a credit provider on the rise. In the Netherlands, this lender has a head office in Amsterdam. The general headquarters of Gandalf is located in Berlin. However, many of the services are offered online to consumers. In addition to the service offered by Gandalf Dutch consumers, this lender is also active in England, Australia, New Zealand and Spain. It is striking that this company was only founded in 2014. A Dutchman was also involved in the establishment of this company.

Unlike many other lenders, Gandalf does not target private consumers. With its services, Gandalf mainly tries to attract business parties, whereby a number of requirements are imposed on these business parties. For a smaller one-man business, for example, it is not possible to request a business loan from Gandalf.

Borrow money from Gandalf

It is clear that Gandalf focuses on a specific group on the credit market. On the Gandalf website you can find a number of requirements that business parties must meet in order to be eligible for a credit. For example, a company must have a minimum gross annual turnover of 200,000 euros, the company must be active for at least 24 months and the organization must have a Dutch, business bank account. This logically does not apply to business parties who apply for credit from this lender in England, Australia, New Zealand or Spain. It goes without saying that your organization must be registered in the Netherlands with the Chamber of Commerce.

If your organization is eligible for Gandalf’s business lending, you can apply for a loan online. When applying for a loan, you must upload a number of documents, which show that the income you have entered is actually met. Consider, for example, a copy of your VAT returns, a copy of your annual accounts, and so on. You should also provide insight into your bank details to get the loan allocated by Gandalf. In general, according to Gandalf, it takes no longer than 24 hours on business days before you receive a response to your request.

Advantages of lender Gandalf

With loan provider Gandalf, the opportunity is offered to borrow money without having to have any collateral for this. In addition, credit applications can easily be submitted online, which means that the credit is usually granted faster than through a traditional lender. After approval of your credit application, the credit is immediately available to you. You can decide yourself how much you will be withdrawing at what time, so that you can have the credit matched with your expenses or investments in a certain period.

Every loan that you take out in the two to three months after your credit application will have its own installment. In general, this pay-off period is flexibly determined, with a maximum of fifteen months. The credit provided by Gandalf can be very nice for the investment in new machines on the shop floor, for the prepayment of salaries if your debtors have not yet paid, and so on. You may also be interested in taking out a business loan for an improvement of your creditors’ position. This way you can continue to pay creditors on time!

http://www.ziad-rahbani.com/2019/01/21/looking-for-the-that-perfect-business-loan/feed/ 0