Some of the banks in the context of standard products for business professionals offer favorable conditions, others prepared for them the distinct special offer. How is it different from offers for other companies? The most common requirements. Specialists can almost always count on a simplified procedure for granting credit. Some banks appreciate the professional group so that they would propose its representatives also lower than the standard margin or commission.
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Professional, or who?
The list of professions that allow the entrepreneur to qualify a group of so-called. professionals may vary slightly depending on the bank. In any case, this group will be numbered among doctors, dentists, lawyers, notaries, lawyers and bailiffs. The most common of the offers for professionals will be able to use as veterinarians, pharmacists, architects, accountants licensed leading accountancy offices, tax advisors, appraisers, auditors, surveyors, and Translators. In some, though fewer cases will also physiotherapists, psychologists, midwives, property managers, teachers and building inspectors. Importantly, the bank will require confirmation that the person is authorized to practice.
Why is it an entrepreneur, a member of the professional groups are better treated by banks? From their experiences (which are reflected in the analysis of scoring) shows that they are perfect borrower – responsible, caring reputation, educated, with a good profession, ensuring financial stability, and thus the regular repayment of the loan. In short, these are the people for whom the risk of default of obligations is extremely low. Therefore, acquiring banks depends on the type of customer, and it can only provide them with a competitive offer.
The lower margin, higher loan
Today, more than a dozen banks offer preferential credit terms to professionals. How much can differ from those proposed for other entrepreneurs, you see even the example of ING Bank Slaski, who recently made changes to spice up your loan professionals for entrepreneurs. Under the framework, you can receive funding of up to 1.2 million zł. Professionals can count on the amount of up to 500 thousand. zł no security and no commission for giving. Under such conditions as representatives of other professions, established borrow no more than 250 thousand. zł. There are also significant differences in the amount of interest. For professionals, it will WIBOR 3M (loans up to 12 months.) Or WIBOR6M (loans over 12 months.) + 3.5% margin. The margin for other companies is at least twice as high, is 7% for loans over 50 thousand. zł and 8% for loans of less than this amount.
On the other hand, BZ WBK under the Rapid Credit Facility may elect to rely on loan twice that owners of other companies. The credit is granted in the form of a limit on the account. Professionals can get twice the monthly inflows to the account, while the standard range assumes one-month high of influence.
Short internship is not a problem
Doing reserved for professionals can solve another problem, faced by the company applying for a loan – a brief apprenticeship in the market. Of course, not all banks have eased their requirements in this area, but there is a few that from professionals require a shorter period of activity than the other companies.
For example, BNP Paribas professionals receive Overdraft or cash loan for companies already after 12 months from the start of operations, while the minimum for other companies is 24 months. Similarly, in Raifffeisen Polbanku with that offered by this institution Quick Loan Deal standard is available for companies operating at least 18 months, while for professionals, this period has been shortened to one year.
There are also banks, which, without the problem will lend money to professionals who run their own business for less than a year. It is noteworthy that the Bank’s offer Smart, which will offer credit to such persons from the very first day of business. However, it will be more expensive than a loan for professionals working for at least 6 months. interest rates for start-ups is because 12%, while for those with a minimum six-month internship WIBOR 3M + 8% margin. The maximum loan amount for professionals in the Bank Smart may reach 250 thousand. zł, and the maximum term is 10 years.
The downside of this offer is a commission of 5% for mobile granting a loan, upside – the award was mobile. Because it can get without leaving your home or office. Just fill in the request mobile designed for both computers and tablets or smartphones. Credit decision will be released already in the process of completing the application. Then you only have to sign the documents sent by courier. The measures may appear on the account even within 24 hours. collateral for the loan is a declaration of execution and the surety agreement (in the case of married couples without separation of assets, for loans over 10 thousand. zł.). SMART Bank publishes on its website a loan calculator that without providing any personal information to allow pre-calculate the amount of monthly installment Smart Loan for Professionals.
from professionals with long experience in the credit also provide BIZ Bank. Those who run the company for less than six months, they can count on up to 30 thousand. zł, and those whose activities are no longer functioning, even at 300 thousand. zł. FDI Bank will not require guarantees or security, or financial documents, simply declared by the borrower’s future income.
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Minimum formalities
Without formalities in the form of documentation of income or the delivery of certificates stating no charges for ZUS or US professionals also get credit Merits Bank (up to 400 thousand. zł, the certificate will be needed if the borrower will try for a higher amount), Getin Bank ( up to 300 thousand. zł, without collateral), Plus Bank (up to 300 thousand. zł, of which up to 100 thousand. zł without collateral), or BOS Bank (up to 100 thousand. zł). PKO BP under the Credit for professionals on the financial statement of the client only lend up to 30 thousand. zł, and documents – up to 50 thousand. zł.
A special offer for members of the professions, which is characterized by low cost and ease of obtaining Deutsche Bank is also Polish. Loan for Professionals may be granted for a maximum of seven years in the amount of from 10 to 400 thousand. zł. You do not need to submit a business plan or certification from Social Security or the US. The Bank will also not require collateral. Standard security is a statement of execution and irrevocable power of attorney to the current account and other accounts at the bank. This credit is available, however, for professionals engaged in business at least two years.
A number of facilities, better conditions, higher amounts of loans and lower costs – it’s all within practitioners of public trust. However, it is a condition that is not negotiable. You must have sufficient credit capacity, which primarily determine your monthly income.
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