The self-employed in particular often need quick money because they do not have a regular salary that they know will always come on time and can cover urgent financing needs. If you need funds quickly, you can actually take a lightning or quick loan, but then you have to live with the fact that it is slightly more expensive than other installment loans.
This is not so easy for the self-employed, especially if it is a quick loan for the self-employed without Credit Bureau. Finally, the need to hide the scoring from the protection association for general credit protection (Credit Bureau) shows that there are financial problems. We’ll show you if you need a loan like this, how you can still get it.
Quick loan for self-employed without Credit Bureau: private or business?
The first question when you need an instant loan without a Credit Bureau for the self-employed that will be put to you is: Do you need the money for your business or for your private life? First of all, no variant is better or worse. For example, on business, you might have a chance to make an investment, which would be good, or not be able to pay bills, which would be very bad.
In your private life, you might want or need to buy a new car, which financiers rate neutrally – or cannot pay bills, which would of course be extremely bad.
Most lenders also see it very critically if they want to spend the money on a quick loan for purely consumption purposes, for example if they want to pay for a vacation from it. This suggests that you are not particularly good at handling money. In the case of a lightning loan, where the lender does not have the time to thoroughly examine your financial situation, this can already determine whether the lending is successful or not.
Quick credit for self-employed without Credit Bureau
Whether you get a quick loan in a manageable amount depends largely on yourself. It is essential that you promptly provide all the key documents that the bank or other lender needs to be able to decide whether or not you have the fast loan. Since it is now mostly computers that take on this task, you should have the documents in digitized form:
– Business evaluation (BWA) of your activity. If you are a small business owner, you can also submit a simple income-surplus invoice
– A private statement of monthly income and expenses
– The last three tax returns
– The bank statements of all accounts from the past six months
– The completely and correctly filled out loan application
– If you need the money for your self-employment: a business plan
– Solid installment plan for repayment
Quick loan for self-employed without Credit Bureau: These donors come into question
Most German banks are not eligible for your quick loan for self-employed persons without Credit Bureau because they are unwilling to ignore Credit Bureau scoring. The only exception may be your house bank, which knows you well and may therefore have enough confidence in your repayment capabilities.
You can also contact foreign money houses. In Germany, these act as direct banks. This is advantageous for you because you can conveniently complete the entire loan application process from your home computer. This saves time. Alternatively, you can also ask private donors for the quick loan. Various reputable credit platforms provide contact to potential donors.
In addition, houses such as Good Lender Loans, which are a mixture of credit intermediaries and a special credit institution, also grant loans without Credit Bureau – instant loans are also possible.