How do I get a private loan to start self-employed?

get a private loan

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.


  1. The importance of getting a loan to start your business
  2. Make your request before becoming independent!
  3. Obtaining a private loan is a kind of preventive guarantee
  4. How to prepare for an independence project?
  5. How can Lica help you obtain a private loan?
  6. Examples of people who have obtained a private loan
  7. 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!

get a private loan

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?

get a private loan

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

get a private loan

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:

  1. 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.
  2. 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.
  3. 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.

Thibault RouviereThibault Rouviere
19:29 15 Jul 24
Mirko CiulloMirko Ciullo
09:43 10 Jul 24
Mr. Manuel Ognissanti is a very correct, helpful and kind person. I was very happy with him
Niklaus DucretNiklaus Ducret
06:48 08 Jul 24
Good customer follow-up, very good feedback. Mara was excellent and followed my file well.
Tania PintoTania Pinto
09:24 02 Jul 24
Manuel CarvalhidoManuel Carvalhido
08:12 27 Jun 24
Mr. Omar Gour7o9gel is always friendly and helpful.
Ruben CardosoRuben Cardoso
09:33 26 Jun 24
Gerson VizuetaGerson Vizueta
15:48 17 Jun 24
For my part, I am very grateful for the help of Mr. Omar G, very professional and always available to answer any questions from me.
Ricardo AndreRicardo Andre
12:55 24 Apr 24
Despo DimitriouDespo Dimitriou
12:43 23 Apr 24
Omar Gourgel is a very competent and intelligent person. He is eager to help and find the best solution. Thank you for your efforts in helping me with my financing.
Claudia CostaClaudia Costa
12:28 23 Apr 24
Rui AmaroRui Amaro
03:26 23 Apr 24
Rui FariaRui Faria
17:15 20 Apr 24
Available and committed, I thank Mr Ognissanti again for his professionalism.
Arthur EstevesArthur Esteves
14:56 16 Apr 24
My experience was 5 stars. The person who handled my case was Ms. Mara Garcia. An excellent professional, very friendly and always available to answer all my questions. He handled the whole process in the best way possible. Everything was 5 stars.
Cergiogomes GomesCergiogomes Gomes
10:30 03 Apr 24
Hello, hello, look at you, Mr. Omar, he is at the top, very hardworking, attentive, very professional, responsible, I loved working with Mr. Omar, congratulations, call to have a colleague like that.
Haileab BehreHaileab Behre
00:40 02 Apr 24
Patricia DeMichelePatricia DeMichele
09:41 28 Mar 24
Mr. Manuel Ognissanti gave us 360 degree advice. Very competent and professional. It deserves more than 5 stars. Thanks to him, we got the credit.
Andrea DeianaAndrea Deiana
03:46 28 Mar 24
Mr. Ognissanti Manuel, with his professionalism and competence, was able to guide and advise me in the best possible way. It deserves more than 5 stars!
Véronique TeroscVéronique Terosc
16:29 27 Feb 24
Very good experience. She is very professional.
Arthur MoreiraArthur Moreira
13:51 21 Feb 24
Marta FerreiraMarta Ferreira
14:47 20 Feb 24
Jedidia AndrianarivonyJedidia Andrianarivony
13:49 20 Feb 24
It's impeccable
Anderson ZomerAnderson Zomer
12:08 15 Feb 24
Really satisfied with Oman! Very professional, clear and fast! THANKS
Houda KacemHouda Kacem
13:33 09 Feb 24
Andreas HerzigAndreas Herzig
19:58 05 Feb 24
Leonora NrecajLeonora Nrecaj
16:52 03 Feb 24
I can highly recommend the advice of Mirlinda Ahmeti at Lica. She is reliable, acts quickly and finds solutions. I am very satisfied with her. ??
Exceptional professionalism from Ms. Mara Garcia and her entire team. I recommend.
Eliane RibeiroEliane Ribeiro
11:33 30 Jan 24
I would like to share my positive opinion on the services of Lica Crédit. Their professional team was efficient in processing my credit application, with competitive interest rates and flexible repayment terms. I highly recommend your services.
Giuseppe Di CarmineGiuseppe Di Carmine
13:39 26 Jan 24
Manuel is a kind and very competent person. Someone who knows how to do his job and who doesn't give up. I really recommend him.
Matteo D'ArpinoMatteo D'Arpino
19:57 18 Jan 24
Rosario D'alessandroRosario D'alessandro
10:38 18 Jan 24
Manuel is a good guy
14:23 11 Jan 24
Always try until we find a solution for the customer
Marta CabralMarta Cabral
15:57 09 Jan 24
Filipa DiasFilipa Dias
14:05 05 Jan 24
Dovile TDovile T
13:22 03 Jan 24
Thank you Manuel for the professional assistance, fast and efficient feedback!
Lurdes CunhaLurdes Cunha
13:26 07 Dec 23
I would like to thank Mr. Omar Gourgel, because he was very professional, excellent advisor and efficient in his work. My husband (Mr. Artur Da Silva Cunha) and I are extremely satisfied and recommend your services.
Zeinab RkainZeinab Rkain
13:34 29 Nov 23
Nilsa TeixeiraNilsa Teixeira
17:02 16 Nov 23
The consultant Mara Garcia, in addition to being friendly, is a good professional. She is very good at what she does...
Pedro RamiaoPedro Ramiao
16:45 16 Nov 23
Ana BelloAna Bello
11:16 16 Nov 23
Mr. Omar was very professional and very attentive to my need to obtain the ceedito
Alberto FloresAlberto Flores
15:48 07 Nov 23
Hello gentlemen from LicaOf course I am satisfied with your attention, especially that of Mr. Omar Grougel, everything was a pleasant conversation with the advice to carry out this project, thank you very much for everything…Thank you Mr. Omar G
Fadil KamishiFadil Kamishi
20:44 03 Nov 23
Greetings Mr Manuel you are n1 congratulations I am very happy with the work you do for us thank you very much.
Václav PalarčíkVáclav Palarčík
18:59 03 Nov 23
Thank you very much Mrs. Mirlinda Ahmeti, she helped me a lot and always answered my questions immediately, she is the right woman, thank you.
My EmailMy Email
15:58 02 Nov 23
My experience with Miss Mirlinda Ahmeti from Lica was very helpful, she represented me very well with the lender and in the end I got the financial assistance without any problem. Regards C.W.
Renata HlaváčkováRenata Hlaváčková
14:21 02 Nov 23
I am very satisfied and Mrs. Ahmeti is very professional.Thank you very much Renata
Bekim ShalaBekim Shala
11:46 02 Nov 23
Consultant Mirlinda immediately understood my needs as a client and worked hard to achieve a positive outcome to my requests. Polite, efficient, precise, professionally competent and very empathetic personally. I highly recommend Mirlinda Ahmet
Václav PalarčíkVáclav Palarčík
10:02 27 Oct 23
Helder FilipeHelder Filipe
11:52 25 Oct 23
joao pintojoao pinto
10:08 23 Oct 23
Jules UddinJules Uddin
10:16 16 Oct 23
05:13 13 Oct 23
Marcelo FerreiraMarcelo Ferreira
11:34 12 Oct 23
Excellent professional Mara Garcia
Salvatore Lo GiudiceSalvatore Lo Giudice
11:20 12 Oct 23
Manuel N^1 was very precise, a true professional.
Angela CoelhoAngela Coelho
09:39 09 Oct 23
Christian FarinaChristian Farina
09:20 09 Oct 23
It was a pleasure! Very pleasant business partner!
juan alcaldejuan alcalde
06:36 04 Oct 23
always gives solutions
Luis GarciaLuis Garcia
16:50 03 Oct 23
Paolo ChieffoPaolo Chieffo
17:17 28 Sep 23
Kimberly BallamanKimberly Ballaman
16:18 26 Sep 23
He was able to answer all our questions and help us with our request.
Nadia DeBarrosNadia DeBarros
13:13 21 Sep 23
Renaldo GjoziRenaldo Gjozi
09:18 20 Sep 23
Joaquim AzevedoJoaquim Azevedo
17:15 15 Sep 23
Antonio SimoneAntonio Simone
11:31 15 Sep 23
Thanks to Mr. Manuel a very competent person in his work thank you very much
Roberto LabanoRoberto Labano
13:24 14 Sep 23
Je voudrais dire que Mara Garcia a été excellente pour résoudre ma demande. Du début jusqu'à la fin. Je recommande à 100%. Merci Mara 🙂
Ricardo RibeiroRicardo Ribeiro
06:49 14 Sep 23
Mara Garcia took care of my order. Super friendly, attentive and always available to help. In this branch of the best I have found.
Cosimo TassoneCosimo Tassone
14:44 31 Aug 23
The consultant Manuel Ognissanti is a very good guy in his work and available, thanks to his knowledge I managed to obtain the credit. I recommend it to everyone ..?? THANK YOU MANUAL..
Ricardo Da SilvaRicardo Da Silva
08:25 31 Aug 23
Fast, no problem.
Ricardo RibeiroRicardo Ribeiro
08:19 31 Aug 23

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!

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Based on 205 reviews
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Thibault Rouviere
Thibault Rouviere
19:29 15 Jul 24
Mirko Ciullo
Mirko Ciullo
09:43 10 Jul 24
Mr. Manuel Ognissanti is a very correct, helpful and kind person. I was very happy with him
Niklaus Ducret
Niklaus Ducret
06:48 08 Jul 24
Good customer follow-up, very good feedback. Mara was excellent and followed my file well.
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