Many entrepreneurs decide to start a business not only to raise their standard of living but also to become independent and independent, to take matters into their own hands. In our country, more companies are still emerging than closing, which clearly demonstrates in favor of the thesis that we are an enterprising, resourceful nation. Many new business entities can open primarily with the support of external financing, an example of which is credit for companies without certificates. Let us add that people who manage their own business, often created from scratch, want to develop, introduce innovations to their companies, become market leaders. However, to become a market leader – and above all to appear on it – you need to start your own company, which is associated with high costs, especially in the case when we decide to operate with high financial entry barriers, such as specialized production, expensive service or even a store that needs to be stocked up. And all this long before we see any profits. It is no wonder then that many entrepreneurs – both those who are already operating on the market and those who are just getting ready to enter it – are thinking about credit for companies without income certificates. It often becomes a real redemption from troubles and a chance for the real development of our company.
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Let’s add that credit for companies without income certificates is basically the only option for people who are just starting to operate on the market and can not boast of the proceeds from the already conducted business. It should also be emphasized that credit for companies on a statement is a solution that we will most often find in the offer of loan companies, not traditional banks, which often have an extremely restrictive policy in this matter. Young, budding entrepreneurs are not a tasty bite for classic banks – they approach them with distrust, they borrow money rarely and expensive, if at all. Entities providing this type of financing outside banks are, however, much less stringent in their view on emerging businesses, offering support even to those who are just crawling on the market – for example as a loan for companies without certificates. Of course, these “without certificates” refer here primarily to the lack of a requirement to provide documents certifying a sufficiently high income from the business, and not the complete abolition of any documents. However, these are not difficult to obtain papers – on the contrary, they should be on the desk of every entrepreneur. So when it comes to loans for companies without income declarations, in this case, most often you will need basic data about our company, such as NIP, REGON or an excerpt from the Central Register of Economic Activities and a description of our business, i.e. such a simplified business plan. The last point is absolutely not to worry – the institution that provides us with financing (even if it is a parabank) simply wants to know what we do and what it actually lends us money for. In most cases, we will simply get a ready form that will contain all the questions about it. The funds obtained in this way can be used to start a business, and the loan based on a statement can be repaid from the proceeds generated by it.
Loan for companies without certificates – a way to maintain financial liquidity
At present, the situation of our company may deteriorate almost overnight, especially in the production or construction industry, where high costs of joining production or investment must be incurred, waiting only for the payment of contractors. Bearing in mind the widespread payment gridlocks in Poland – statistics show that 7 out of 10 companies do not pay business partners because they do not receive money from their customers – a few invoices not paid on time can put the company’s future in question. What’s more, when such situations recur or last for a long time, and our report in the Credit Information Bureau and the National Debt Register continues to deteriorate, the only solution becomes a loan for companies without income certificates. The minimum of formalities associated with it guarantees, above all, a quick award procedure and, as a result, a smooth transfer of funds to our account.
A loan for companies on a statement – in a bank or in a loan company?
This is another aspect that we must consider when considering a business loan without certification – who should give it to us? Where will the conditions be more favorable and the procedure easier and more efficient? Banks offering loans to companies in most cases check them thoroughly – using certificates from the Tax Office and the Social Insurance Institution, financial statements appropriate for the type of our business or documents regarding the proposed loan collateral. The biggest problem, in this case, is, of course, certificates of non-payment of contributions to the Tax Office and the Social Insurance Institution, as well as all other possible problems with the repayment of other obligations. The loan for companies without BIK and KRD, offered by non-bank institutions, not only frees us from the need to provide all these documents, but also gives the opportunity to obtain a loan that would simply not be an option for traditional banks. However, when dealing with a loan based on a statement – in which we declare, i.e. declare the amount of income and expenses of our company – we do not have to worry about our creditworthiness and other obligations, even if they were not repaid regularly. The documents needed to obtain a loan for companies without income declarations are usually limited to the above-mentioned statement, copy of ID card, an excerpt from the CEDG database (confirming the existence of our company and the identity of the owner) and a brief description of the specifics of its activities. Non-bank institutions willingly lend money to companies – both at the beginning of the business road, from the first day of operations; as well as those that have been on the market for a long time but are struggling with financial difficulties. The percentage of loans granted to companies without certificates is very high in this type of facility.