Self-employed professionals are people who have a private business in their name and need to keep this enterprise active. After all, owning a profitable business is the dream of many, but for this it takes dedication and commitment. An assessment at sonotheque.net
In Brazil, it is not easy to undertake and not all companies offer support. So the first thing to do when applying for a loan is to be alert not to fall for fraud.
Before requesting personal credit, the independent professional must search the interest rate and the number of installments, in addition to analyzing the Total Effective Cost (CET). To help you, we separate some options from companies that offer this type of loan:
Which companies provide loans to self-employed?
Moneyman makes unsecured loans available to independent professionals who require lower values. However, before performing a loan simulation, the user needs to enter the amount he needs and the number of installments he wants to use.
The company also makes available its loan with amounts ranging from R $ 500.00 to R $ 3,000.00. And the interest rate for independent professionals is valued at 15.7% per month.
Biz Capital provides loans to people with CNPJ. The customer completes the registration form with his / her information and places the desired value.
In 48 hours, the system evaluates the data of the requesting company and contacts the responsible to inform if the loan was approved or not. Once the request has been approved, the financier sends an e-mail a proposal for the client to perform a credit simulation to see if he will be able to make the loan.
The credit conditions vary from R $ 5 thousand to R $ 150 thousand, with benefits ranging from 3 to 18 times and rates from 1.99 to 5.49% per month.
Nexoos is an online loan platform that works with corporate loans. Through the peer-to-peer lending program it is possible to connect small and medium sized companies with future investors.
The entire lending procedure is carried out safely and without bureaucracy. In addition, the peer-to-peer-lending program brings many benefits to investors.
For entrepreneurs who are in need of money to leverage their business, the financial one releases loans with full transparency and flexibility, with interest rates ranging from 1.30% to 3.23%.
Most of the time, it is not necessary to present guarantees, therefore, the loan application is made in an agile and effective way.
Rebel operates in the market as a banking correspondent. After creating the account, you will receive up to three different profile proposals and deadlines by email and you can choose the best option for you.
After selecting the best proposal, you will also receive by email the contract with all information about the loan purchased. Just sign the contract, send your documents for credit analysis and receive the money directly into the bank account.
At Rebel, you can simulate a loan in the amount of R $ 1 thousand to R $ 25 thousand. The interest rate is valued at 2.9% per month, with installments up to 24 times.
Unlike other online lending platforms, Creditas provides credit lines in exchange for a material good from the customer. For this, you can use your vehicle valued at R $ 5 thousand, or your property valued at R $ 30 thousand.
This procedure provides customers with the lowest market interest rates, which are valued at 1.15% per month in the case of the property as collateral, and 1.69% per month in the case of your vehicle as collateral.
How to prove income being a freelancer?
Nowadays, there are several ways for an autonomous professional to prove to a financial institution that they have enough income to get credit. One of the most common vouchers is the bank statement.
The majority of the financiers requests that the person present a bank statement of the last 3 to 6 months. This practice proves that the professional is always busy with the account and that he has enough income to get credit in the market.
How to get a loan without proof of income?
It is very complicated to get a personal loan for freelancers on their own, even more without proof of income. Some financial institutions require documents that prove their ability to repay the loan, so there are more obstacles for the self-employed.
In this case, it is necessary to resort to companies that offer loans without proof of income and with low rate of interest. In addition, these financials do not analyze their scores on credit protection services, and do not request proof of income.
Nowadays, this type of service can be one of the best personal loans available for freelancers. You can use the options:
Income tax declaration
It can be done to prove that the individual has financial conditions to pay the debt.
Known as the Evidence of Perception of Income, which is most often sent by the accountants of the autonomous professional and shows that it has an average monthly billing.
What documents are needed for the granting of credit?
- Proof of address;
- Proof of income with bank statement of the last 6 months;
- Evidence of the existence of the business (CNPJ, business address);
- Copy of income tax.