The dream of becoming your own boss is shared by many people. However, the reality is that it can be difficult to find the necessary funds to start a business. Fortunately, there are financing options for future freelancers! A private loan can be an ideal solution to obtain the funds necessary for start your business.
- The importance of getting a loan to start your business
- Make your request before becoming independent!
- Obtaining a private loan is a kind of preventive guarantee
- How to prepare for an independence project?
- How can Lica help you obtain a private loan?
- Examples of people who have obtained a private loan
- Our conclusion to obtain a loan as a future independent
Why is it important to obtain a private loan to start as a freelancer?
It is important to have enough funds to start as a freelancer. This will allow you to cover initial costs such as the costs of setting up your business, advertising costs, rental costs and general start-up costs. If you do not have enough funds, you may find yourself quickly short of cash from the start. This could therefore hinder your ability to develop your business according to your objectives.
Make your request before becoming independent!
It is always better to apply for a private loan before becoming self-employed for several reasons. First, banks are often more inclined to grant a loan to someone who still has a stable wage income. Secondly, if you wait until you are independent to apply for a loan, you risk finding yourself without income for the first few months. This will therefore make impossible to get a loan.
Indeed, once your independent status has been obtained, the private loan solution will only be possible after at least 2 years of activity. This, as long as you are able to justify a sufficiently high income. Which is often not the case when you start your activities as a freelancer. In addition, it is important to know that the banks will take into account your income indicated in your tax assessment and not your turnover. This can therefore greatly reduce your borrowing capacity.
Obtaining a private loan is a kind of preventive guarantee
It is important to know that according to the consumer credit law (LCC), borrowers have the right to prepay consumer credit at any time. Whether partially or fully, without having to pay any prepayment charges. This means that if a borrower wishes to repay his private credit before the end of the period provided for in the contract, he will not be subject to fees or penalties for this early repayment.
Therefore, once you have been able to obtain a private loan, you will be free to prepay without penalty. This therefore represents a big advantage for starting your activity as a self-employed person with sufficient cash in case of unforeseen circumstances. If everything goes according to your plans, you can repay your private loan at any time!
How to prepare for an independence project?
Before starting as a freelancer, it is important to prepare accordingly. This includes the writing a business plan detailed and market research to determine the viability of your business. Finding funding to cover initial costs is also very important. Also, make sure you have enough savings to support you for the first few months of your freelance business. It is also important to understand the tax and legal obligations related to the exercise of a self-employed activity in Switzerland.
How can Lica help you obtain a private loan to start self-employed?
At the house of Lica, we understand the challenges that aspiring freelancers face in obtaining the necessary funds to start their business. That's why we offer flexible financing solutions for people who want start as freelancers. We work with you to assess your financing needs and help you find the private loan solution that best suits your situation.
Once your activities are underway, our specialists in business credit are also there to advise you and find long-term financing solutions for the development of your activities.
Examples of people who obtained a private loan before becoming self-employed
There are many examples of people who secured funding before becoming independent. They managed to start and grow their business successfully. Here are some examples of people who have secured funding before becoming independent:
- A former chef who got a private loan to start his own restaurant. Thanks to this funding, he was able to buy the necessary kitchen equipment, hire staff and develop an attractive menu card. The start-up period for his business was longer than expected. With sufficient reserves, he was able to meet his financial obligations.
- A former fashion designer who secured a private loan to launch her own clothing brand. This funding allowed her to produce her first collection, rent retail space and participate in fashion shows to promote her brand.
- A former software developer who got a private credit to start your own software development business. This funding allowed him to hire a team of developers, rent workspace and develop quality products for his clients. Lica was there to get him a private loan quickly. In addition, he therefore reimbursed his financing much faster than expected without any penalty.
These examples show that, with the right tools and the right advice, it is possible to obtain financing. This makes it easier to start as a freelancer and realize your business dreams. So don't wait any longer, apply for a loan today and take the first step to becoming your own boss.
Our conclusion to obtain a private loan to start as a freelancer
In conclusion, getting a private loan can be an ideal way for aspiring freelancers to get started and achieve their business dreams. At Lica, we are here to help people obtain the necessary funds to start their business. Do not wait to be independent to apply for a loan! contact us today to find out more about our financing solutions for future self-employed people.
Finally, it is important to note that when it comes to applying for a loan, it is always best to prepare accordingly and fully understand loan repayment obligations. Make sure you have a reliable source of income to repay your loan. Also take the time to understand the different types of loans available and the eligibility criteria for obtaining them.
Do you have questions before applying for private credit? Our advisors are there to answer your questions 7 days a week directly on WhatsApp. Ask us for more information and we will be happy to answer you!