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.

Contents

  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.

Dave MartinsDave Martins
15:51 03 Tue 23
Mrs. Garcia, with whom I had contact from start to finish, was great, attentive and very professional, it should be noted because in this area it is very rare. I got my fat credit fast from them. I can only recommend
Rachel PittetRachel Pittet
12:33 02 Tue 23
Very satisfied, a good solution has been found. Thank you very much for your work
Rui P.SantosRui P.Santos
14:08 31 Jan 23
Excellent service, very good customer support all along the way. A real pleasure to have found them. Mara did everything to help me find a solution. Thank you
Danny FernandoDanny Fernando
14:37 25 Jan 23
Company that really gives of itself for these customers and that really tries to find solutions. Friendly service, support during all stages. Real pros. I highly recommend. Many thanks to Ms. Garcia for her professionalism and efficiency.
Flaco VerdeFlaco Verde
17:15 19 Jan 23
Many thanks to Mara for her help and efficiency.
Eugenie KouassiEugenie Kouassi
16:27 18 Nov 22
Yes I am very satisfied with Manuel, humanely available, explains clearly with professionalism, very courteous on the phone, I recommend Lica ++++++ and many thanks to Manuel!
Oberlin MichaelOberlin Michael
16:58 01 Nov 22
She really was me, she's the only one who believed in me, I find her just incredible
vincent morelvincent morel
13:14 24 Oct 22
Mara Garcia I recommend her for the credits
jaffyx leejaffyx lee
11:09 21 Oct 22
Very responsive and available
Ferreira AlbertoFerreira Alberto
08:16 09 Sep 22
Many thanks to Lica and especially to François Guss. Your efforts do not go unnoticed. Thanks for your help and support. You are truly an asset to your team and to the entire organization. Your work ethic and your involvement are admirable, we are lucky to have someone as dedicated as you on board!
Cecilia de JongCecilia de Jong
08:57 15 Jul 22
The person of my answer is very professional, efficient, reliable, diligent, updates my requests at all times, I am very grateful to Omar Gourgel, who always takes good care of my file, Bravo it is magnificent and excellent! Cheer! The employer should be proud of him, applaud and promote him please 👍🏻👍🏻👍🏻👍🏻
Thelight33 WorldThelight33 World
15:14 13 Jul 22
I was very satisfied with the services of Mr. Omar Gourgel, I highly recommend him! 👍
luigi caldarolaluigi caldarola
10:22 29 Jun 22
Perfect service Perfect consultant manual. Punctual, meticulous, helpful, everything went well and thank you again for the service
Nuno AlvesNuno Alves
13:12 01 Feb 22
Very easy to apply for your loan. The advisor very helpful and always there to explain what you need to do. Recommend.
bjlno familybjlno family
22:54 10 Dec 21
We obtained our financing on very advantageous terms and in record time. Despite a refusal from another bank, Lica found us a great solution. We recommend the services of this company. Thank you for your work.
Bastien HenriBastien Henri
13:22 12 Jun 20
Very good service and a real novelty in terms of financing. Thanks to the cashback the conditions are excellent!
serviceservice
22:24 10 Jun 20
Great service and very responsive to find the right solution. We gladly recommend their services.
BioponicsBioponics
19:52 20 May 20
Great service and very interesting cashback following the conclusion of my loan. I pay less each month and got the best deal on the market.
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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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Dave Martins
Dave Martins
15:51 03 Tue 23
Mrs. Garcia, with whom I had contact from start to finish, was great, attentive and very professional, it should be noted because in this area it is very rare. I got my fat credit fast from them. I can only recommend
Rachel Pittet
Rachel Pittet
12:33 02 Tue 23
Very satisfied, a good solution has been found. Thank you very much for your work
Rui P.Santos
Rui P.Santos
14:08 31 Jan 23
Excellent service, very good customer support all along the way. A real pleasure to have found them. Mara did everything to help me find a solution. Thank you
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