Archives January 2019

Loans for bad credit online -Borrow today any loans for bad credit

There are a lot of things to consider before you should go out and borrow a loan, and today we will look more closely at what you can do to make sure you get the best loan. When searching for loans online, there are a host of different providers and it is therefore important to be critical when applying for a loan. Read more info and see how you get the best and cheapest loan today.

Borrow today any loans for bad credit

1. Consider borrowing from the bank better

It is true that many Danes choose to borrow money online because it is generally easier to get approved for a loan. That being said, you can benefit from considering whether to borrow through the bank better in your situation. Whether your application is approved depends on a number of different factors, including whether you have past debts and whether you have a good credit rating. But keep in mind that if you have been a customer in the bank for a number of years, your application is more likely to be approved and that you get a better offer.

2. Look for providers with great deals

It should not come as a secret that many different providers offer different offers to their customers – also new customers. Here you can, for example, deliberately look for interest-free loans or the so-called free loans. If you have a good credit rating, some loan providers even offer the first loan for free. Remember, however, always read the loan contract thoroughly before recording so that you ultimately do not end up with an overly expensive loan.

3. Request a quote

There are a wealth of different loan providers today, and it can, therefore, be a good idea to obtain offers from the various loan companies. In this way, you quickly find out that all providers are different and that your application can easily be approved by a loan provider, but be rejected by another. Keep in mind that even if you collect offers from different providers, there is no requirement for you to take out a loan. After all, it is entirely up to you. However, we recommend that you do not collect more than one handful of offers as this may affect your credit rating.

4. Loans from the same provider

If you have previously taken out loans, whether through the bank or on the internet, in most cases it can easily respond to borrowing through the same provider again. If you have been good at paying off your debt on time and also have a good credit rating, then your loan provider is much more likely to give you a good deal. If you already have loans that you withdraw on, in some cases you may also be offered to increase your current loan. In this way, you avoid extra fees and costs associated with new loans.


Loans from the internet under test

Find credit comparisons on the Internet without end. The market share of online loans is growing steadily. The reasons are obvious. On the one hand, borrowers will find the cheapest providers nationwide within a few seconds. The Internet has broken the “secrecy” regarding the conditions at the banks and made the market transparent. As a result of this transparency, consumers have become significantly more price-sensitive, a circumstance not only evident in money transactions. In addition, there is the temporal independence. No one is dependent on keeping to the opening hours of the branches. So it is not surprising that the number of online loans is steadily rising and in 2015, the proud market share of 25 percent ready. These include not only loans taken out at banks or via portals for personal loans, but also the loans that run through the online retailers of various industries.

Lending often faster

Lending often faster

Online loans are also impressive because of the speed of making offers. As a rule, the customer already receives the offer by e-mail within a few minutes of receiving his request. When an urgent loan becomes necessary, the Internet offers a faster solution than the conversation at the bank branch. However, the borrower must also be aware that the speed of settlement also depends somewhat on his involvement. As before, the original loan application must be submitted to the bank. The application will be sent along with the necessary documents, such as salary statements and account statements, as part of the PostIdent procedure. As part of this process, an employee of Swiss Post checks the identity of the applicant. A valid identity card or passport with residence confirmation is mandatory. The driver’s license is not valid as a legitimation paper. After the documents have been sent to the bank, the payment is usually made within 48 hours.

Private loans also with growth

Private loans also with growth

Under the big headline online loans, there are a variety of financing options. Loans from private to private have always existed. However, through specialized online platforms, this market segment has been able to establish itself broadly very quickly. In 2015, around € 2.1 billion of these loans, also known as peer-to-peer loans, were granted in Europe. The traditional branch banks not only lose business to the online providers, but also to these platforms. Too many consumers are looking for alternatives in banking. More and more frequently, so-called online credit offers of branch banks are found on the Internet. The conditions are more favorable than for the loans that are offered in the branches, but can rarely compete with the conditions of pure online banks.


Compare cheap online loans from individuals!

Compare online loans from individuals

Looking for online loan? Who looks for good deals, first has many questions. We continues to help and provides the searchers with all the important information. The platform’s focus is clearly on consumers. Do not worry, no credit is given to anyone to secure a commission. But this is objective information that helps to find your own credit. The demands on credit differ and are individual. A good credit must fit – we can pave the way!

The special features of our company:

  • Absolutely objective
  • Easy to understand and clearly written
  • With background knowledge and basics
  • All major banks in the big comparison
  • Guide looking for the personal loan
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How to use the online loan comparison!

It is not at all difficult to find an online loan from private individuals that is inexpensive and offers good conditions. If you are on the lookout, you should first clarify three questions:

  • How much should the loan amount be?
  • How long should the credit run?
  • Is it a classic personal loan? Or should it be a loan from private individuals?

Our credit comparison shows that there are quite serious offers from private people in the market. The difference to a business with a bank: For a loan between private individuals both parties are not commercial. Online loans from a private person are for many an alternative to a bank.

In any case, you should understand what a loan from a private individual actually is. What is the difference to other forms of credit?

From Private to Private: Find the best credit from individuals

From Private to Private: Find the best credit from individuals

For a loan between individuals, both parties are not commercial.

A short digression at the beginning: Do not be confused, because sometimes normal installment loans are called personal loans. This form of loan is not meant here. There is a clear separation: A installment loan is a loan in which a partner is commercial. A private-to-private loan is on both sides private individuals. So if the mother lends money to her daughter, it is a personal loan. If the daughter prefers to go to her house bank, she asks for an installment loan.

Anyone who embarks on a search on the net today will be astonished: it has long been no longer just the lending of relatives, friends and acquaintances as personal loans. There are numerous platforms that make it possible to connect private individuals who lend each other money – without a bank in the background! If you have no income that comes in monthly, it usually looks bad at a typical bank. In such cases, loans from private to private are often a good alternative!

Security test: How reputable are online loans from individuals?

For the time being, it should be made clear: The risk of private loans is higher for lenders, as borrowers were often rejected by banks.

  • Interest rates should be within a reasonable range. Compare with the usual bank rates for cheap online loans!
  • Serious offers through online platforms such as Creditend and Moneyor
  • Trusted credit providers require a realistic financing plan.
  • Term and interest rates are set by the two parties, but should be in a range to be borne by the borrower.
  • A reputable provider concludes a written contract. A security for both sides!

A lender carries a high level of risk when lending to a private individual. Because it is difficult to check the creditworthiness of a borrower as a private individual. Therefore, loans are often awarded in the circle of friends and acquaintances. Our credit comparison has shown, however, that there are now also good online platforms that provide a secure offer in the field of loans from individuals.

Diversity of ideas – variety of credit!

Today, it is no longer just the bank that is the only address that can be approached with financing issues. More and more loans from private individuals are now being awarded. The advantage is that you can often avoid complicated applications. As a lender, you have the great feeling of promoting a good idea and can choose projects that meet your personal expectations.

But even a financial benefit can arise for the lender. In times of low interest rates, lending to a private individual may be more profitable than another investment. It is also positive that you can start with low sums. In our test, there were amounts from 50, – €, which were awarded by private for private.

The comparison: Is a loan from private individuals suitable for you?

The comparison: Is a loan from private individuals suitable for you?

Let’s get to the personal profile: Which type of credit are you? What are your claims for a loan? For that you should answer the questions truthfully – for your own good! Only then can you finally find a suitable solution. There are countless different loans: cash loans, car loans, installment loans and many more.

We give you an objective overview and help you make the best choice.

  • Is this the first loan you apply for? Or have you ever been rejected?
  • Why do you want a loan? Name the purpose.
  • The repayment is feasible for you?
  • You can rely on a good financing plan?
  • The services and conditions are you clear?
  • Did you compare the offer to a bank loan?

You should only take out a loan if you have usually agreed to these questions.

Private home loans: 5 questions at a glance

1. What interest will be added?

One should not talk around the bush: If you as a private person granted a loan to an unknown person, you take a considerable risk. In many cases, these will be individuals who have either not been accepted by a bank or who do not have regulated income. This risk costs! Many lenders can compensate for the risk with handsome interest. It is important to keep an eye out that your situation does not become unfavorable. Some lenders take advantage of the situation of the loan seekers. Pay attention to fair and reasonable interest.

2. Do you have to provide collateral for an online loan?

There are no specific regulations that legislators make in a private business. Some lenders require the same guarantees that are customary at a bank. These include, for example, salary statements or guarantees.

3. Is a contract an important requirement?

There are, as I said, no legal obligations. A private loan can theoretically be given informally. The repayment would then be agreed orally. However, we advise against it, so that both partners are on the safe side and it comes in the end not to a dispute. In addition to the amount of the loan and all the important data relating to the persons, this contract includes the term, the interest, the amount of the installments and the possibility of special repayment.

4. Can I not pay a rate in between?

Often it is difficult to set a monthly rate and one would like to be able to stop in between, if the bottleneck can not be overcome. However, a borrower has this right only if it is contractually agreed that this possibility exists. Here, too, communication is everything: Inform the lender always in advance, if it comes to payment problems!

5. Is the term different from other loans?

The term is agreed between the two parties and is at its own discretion. There is no difference between other loans. However, it is advisable to agree on a realistic term so that the installments can also be managed. Too long a term is again to avoid, so that the interest incurred as low as possible. Find a good mediocrity.

Excellent Mediation: With the latest online platforms

You would rather not try the kinship and beg for a loan from your grandmother? In that case, you may be interested in the providers that are currently in the private-home loan market.

Tailored ideas, financing from private

When you have many ideas, you often need money to make them a reality. Especially self-employed people can sing a song about it: Anyone who starts a new project is usually faced with financial difficulties that need to be overcome. There are now online platforms for loans. If you have an unusual idea without having financial cushions, very few banks will show interest. Private loans can be the solution in such cases!

Which online platforms are there for top loans?

There are several platforms, the leaders in this area are Creditend, creditity and Moneyor. Our credit comparison has proven that these providers have a very good offer. We give an overview:

Creditend: platform for diverse demands!

It’s a proud sum: Creditend has already raised more than 100 million euros in loans. These are largely private-to-private loans. Since 2011, Creditend has also provided loans from institutions and banks. This diverse offer has clear advantages: anyone looking for a loan can compare directly whether it would be better to choose a private or a bank loan.

Make loan application uncomplicated at Creditend

  • How do you sign up? You have to provide all the information that a bank would normally like to have on a loan application. It’s about name, date of birth and address, you have to prove the income and be able to give an account.
  • How high are the costs? The costs are determined by the duration. They are between 2.5 to 3.0 percent of the loan amount, while the minimum is 40, – €.
  • What interest is there? Here you can not give a flat-rate answer, as the interest is agreed personally. According to Creditend, there is an average effective interest rate of 6.7 percent.
  • What is the cost? The account statements are calculated with 16, – Euro per year. You do not have to request them. Obligatory, however, is the monthly service fee of 2.50 euros.
  • The highest credit you can get at Creditend is 75.000, – Euro.

creditity: Private loans for exciting projects

  • Registration: Initial request with personal data (name, date of birth and address), financial situation, desired amount, project outline. After a test by creditity, the actual application can be made. There are still a few documents required: payroll statements and bank statements of the last three months, as well as a copy of your passport or identity card. With a positive rating from creditity, investors now have 14 days to support the project.
  • Costs: The exact amount of the creditity fee is calculated individually and depends on both the duration of the loan and the credit profile (for example, according to the Private credit). The creditity fee will be deducted from the total loan amount before it is transferred to the account.
  • Interest: The amount of interest is agreed between the two sides regardless of the platform.
  • Additional Charges: creditity charges a fee of 0.25% – 4.50% of the total credit.
  • Amount of the loan: The maximum amount of a loan is 30,000, – Euro.
  • Duration: 5 years maximum

Moneyor: The old hand among the platforms!

Not only Creditend has been around for a while. Moneyor also has a few years of experience. Both platforms were founded in the same year. Moneyor is after our test also a good address and the services of the provider are thoroughly recommended! Moneyor is based in Dusseldorf and has already brokered more than 11,000 loans. There is a cooperation with Bank.

Free registration: Moneyor

  • A simple registration: At Moneyor it is very straightforward. The name, address and usual information about a person must be given. Already one is registered!
  • Moneyor charges a so-called placement commission. However, this sum will only be deducted if it comes to a successful contract. The commission is 2.95 percent of the loan amount.
  • Moneyor states that there is an effective interest rate of about 10 percent.
  • As usual, account statements cost: Bank charges EUR 17.50 per year for this service. Every month a service fee of 2.50 Euro applies.
  • The highest credit is at Moneyor at 20,000, – Euro.
  • If you can not repay, a debt collection company will be turned on – a common practice.

With a top fee model, all three providers have distinguished themselves. In addition, they provide an excellent placement service. How can the platforms be differentiated from each other? Here you should look especially at the conditions. Interest rates are always different. All give self-employed the opportunity to apply for a loan. In our opinion, that gives us a plus.

Will there be more private loans in the future ? It turns out that the platforms are enjoying increasing popularity. Maybe people prefer to invest their money in concrete projects of other people than in a bank’s investment package. The development will remain exciting!

5 tips and tricks for dealing with personal loans

1. Do not forget the contract!

A contract is the best for everyone! This avoids uncertainty and is on the safe side. Insist on a contract for your own benefit. Even the lender will feel better with such a document in his pocket.

2. Keep your eyes open at high interest rates!

Even if you’re happy to find a lender, do not be fooled! This clearly includes fair interest! Otherwise, you should not make use of the loan.

3. Financing plan is the alpha and omega!

If you can not gauge what your finances look like, you can not make a loan. You have to be sure that you can afford the installments. It helps to make a proper cash flow and set up a plan beforehand.

4. Rate breaks in the contract!

Everyone has payment problems. Even if it does not look like this at the moment, you calculate that there could be financial bottlenecks. So, if the contractor agrees, you should first find a ruling on how to handle a possible rate break.

5. Credit comparisons help!

You can not decide everything by yourself. The opinion of experts helps to get a good picture and to discover a top credit!


Mini loan calculator experiences 2019 – To the free report

Mini loan calculator from Onlinekredite.org

If you need a short and fast loan at short notice, you do not always have to use your system or apply for an installment loan. Thanks to the mini loans, which are now offered by numerous banks, this is a little easier. With the help of a mini credit calculator the selection of the suitable offer is even easier. Shown are all credit institutions offering a mini loan. Not only information is available on the loan amounts, but also on the general conditions. The display of mini-credit offers is free. Anyone who wants to make such a loan does not necessarily have to come into contact with the Private credit. Small loans granted without Private credit information are also available at some banks. Under which conditions these and other mini credits are to be obtained, we show here.

How do I get the mini loan calculator?

To find the right loan, the comparison of individual bank offers helps. This is especially easy with the help of a mini credit calculator. Through this, future borrowers can simply enter the desired loan amount and term and immediately receive the terms on which they can borrow this amount. Usable is the mini credit calculator online without a download. With the aid of the comparison calculator all offers of the banks are clearly listed among each other. In this way, all interested parties can compare the terms of the loans even easier. Which bank offers the best interest rate? Where is the payoff done the fastest? All these are criteria that speak for example for or against the application for a mini loan. Once you have decided on a loan offer, you can access the bank’s website with just a mouse click. The application for credit hardly works easier.

What is a mini loan?

Mini loans are also known in many places as short-term loans. These are loans with comparatively small sums. Most banks have a maximum payout of $ 1,000 for a mini loan. The lowest disbursements are between 100 and 300 euros (depending on the bank). Even at maturity, the mini loans differ from the conventional installment loans. The amounts are usually repaid within a short period of time (between a few days to six months). Due to the small sums of money, the mini-loans are released very quickly for payment and are therefore a good alternative for all those who need short-term cash. The range of mini-loans has steadily increased in recent years. However, this form of credit originated in the USA. It has been common practice for many years that mini loans are granted in this form. They are known here under the name “PayDay Loan”. This means nothing else than that the mini loans are paid back with the salary on the account immediately. In Germany too, more and more customers want to take advantage of this fast and, above all, flexible form of lending.

Since when do you have mini loans in Germany?

In Germany, mini loans have only been known since 2011. The first provider for these micro-loans was the Berlin-based VEXCASH AG. Even today, the company still offers mini loans. Their minimum loan amount is 120 euros; a maximum of 1,000 euros will be granted. The repayment is between seven and ten days. The annual percentage rate is currently 13.90 percent. Meanwhile, there are numerous other providers in the market of mini-loans. Well-known banks also offer various mini loans. They are often listed under alternative names, but the nature of these loans is similar to mini-credit: small sums are granted for a short duration. The interest rates on these offers vary from bank to bank. In the mini loan calculator the conditions of the individual credit institutes are indicated, so that already at the first view a comparison (for example the effective annual interest) is possible.

Why mini loan and no other type of loan?

In the short-term small financial bottleneck, customers are faced with the question: mini-credit or disposition – which alternative is the better? This question can not be answered on a flat-rate basis, because different criteria have to be considered. The decisive factor is the required loan amount. If, for example, only small amounts are needed to bridge a financial bottleneck, a mini loan can pay off in the truest sense of the word. Since it has to be repaid within a very short period of time, the interest rates are accordingly calculable and manageable. Anyone who makes use of a credit line, usually gets a generous financial leeway, which he can repay quite variable. Depending on how long borrowers spend time in this regard, interest rates and, ultimately, overall costs can be significantly higher. So if you need a small loan with a short term, is usually better served with an offer of a mini loan. Whether the offers of the banks really worthwhile, can show a comparison in mini loan calculator. Here, the individual loan offers are presented clearly and informatively.

Additional services for mini credit

Many mini loans are offered with extra benefits. This includes above all the so-called express transfer. In this case, the mini loan will be transferred to the respective reference account of the borrower within 24 hours. However, this express processing also has its price. The banks charge additional fees for this, which vary depending on the bank. Some mini loans are also available with the option of installment. In this case, the amount is not repaid in one step, but can be paid by installment. However, this option also costs extra. However, installment payments are not offered by all banks in the case of mini loans due to the low credit sums.

If you apply for a mini-loan, you will usually have to expect a Private credit query as well. Before the approval, the banks assure themselves at the Private credit that the borrower has no negative entries. But if you already know in advance that he has a less good Private credit score, you can take extra payments (as an additional security deposit) as well as a small loan at some banks. 

Bon-credit homepage

What should be considered in relation to the mini loan?

If you want to apply for a mini loan, you should first look at the individual loan offers in a comparison. For the mini loan calculator is good as a free option. Basically, only the sum should be applied for as a loan, which can really be repaid. For example, if you want to borrow a loan of 1,000 euros as a mini loan, you should be able to settle the corresponding amount within the stipulated repayment period by paying your salary or another source of cash.

When applying for a mini-loan, borrowers should also ask themselves if they really need additional benefits. These always cost money and are not always useful. Is it really necessary that the money is in the account within 24 hours? Most mini-credits are paid out relatively quickly anyway, so that they are within the specified reference account within two to three business days. By eliminating the express transfer, borrowers can once again save additional expenses. If you nevertheless want to claim the express payments, you should compare the costs for the individual loan offers. This also applies to the mini loan calculator, because such cost factors are also listed in the offers of the bank.

How are the costs calculated on the practical example?

With the help of a mini credit calculator you can view the numerous offers and the possible costs. The annual percentage rate of charge for most banks is between 7.9 and 13.9 percent. For example, if you claim a loan of € 500 with a term of 30 days, you must pay € 5.35 for an interest rate of 13.00 percent. In addition, other costs and fees, for example, if additional services such as express or installment payments are claimed.

How is the mini loan applied for?

Anyone who has found the right offer with the mini loan calculator can apply for the mini loan directly from the provider. No way to the bank counter is necessary, but only a mouse click. The complete application works online and the transmission of all data and the verification can now be carried out online at most banks. Here is the Video Ident method available. What is needed for this? Borrowers only have to provide their identity card or passport.

1. First, the selection of the appropriate mini-loan offer. By comparing the mini credit calculator that is usually done within a very short time.

2. Anyone who has found a suitable loan provider can be forwarded immediately to the respective offer. All you need to do is click on the corresponding loan offer.

3. The website of the bank is again about the detailed loan amount and the desired term. After providing this information, the incidental cost of the mini loan will be displayed directly.

4. In the next step you can select additional options (if available). For example, if you wish an express or installment payment, you can note this at this point.

5. In the further course, the details of the borrower are required. In addition to the personal information and financial data (for example, income conditions) are queried.

6. Once all the information has been provided, the applicant will be identified. In addition, most banks offer an online procedure. Via Video-Ident, applicants can easily contact a bank employee via their computer’s webcam. For verification only the identity card or passport is necessary. This must be kept to the webcam so that the employee can see and photograph the information. Subsequently, the signing takes place via a virtual signature and the loan application is already processed.

7. After all the documents have been completed and verification has taken place, the payment will take place. The mini loan is usually transferred to the given reference account within two to three business days. If you want an express transfer, you will receive the money much faster (within 24 hours).

Caspher loan application

Is the mini loan available to everyone?

Although the mini-loan is comparatively simple compared to other credit cards, it is not accessible to all. For example, anyone who has a current personal bankruptcy or has submitted an affidavit will not receive the mini-loan from most banks. The same applies to persons who have a court pledge or the seizure of their wages and a warrant.

What about students or apprentices? They also have the opportunity to apply for a mini loan, even on a low income. However, they must have a minimum deposit of 601 euros in the account at most banks. This can be confirmed, for example, by an employment contract or a Federal financial aid notice. It is also advantageous if, for example, a permanent employment contract exists. In these cases, credit institutions see that the mini-loan can be repaid relatively securely.

In general, the granting of a mini loan is in any case a discretionary decision of the bank concerned. Borrowers who have questions or problems with applying should apply directly to the bank.

Are there alternatives to mini-credit?

If you look at the loan offer in the mini loan calculator, you will find that most banks offer more credit cards. They can serve as alternatives to mini-loans. One of these is, for example, the credit line. It is automatically granted by most banks on a regular salary receipt. The interest rates vary so that the total costs compared to the mini loan can also be significantly higher. Decisive are the loan amount as well as the duration, which are used in the credit line. Anyone who needs more than 1,000 euros over a longer period of time is well advised, for example, with the credit line. As mini-loans usually only have sums of a maximum of € 1,000 and a short term of up to 30 days, an extension of the loan amount is not possible in this case.

Installment loan for reduced monthly repayment

Who wants to have the lowest possible monthly payment, can opt for a installment loan. These are usually available from a total of 3,000 euros. The advantage of the installment loan is that the monthly repayment can be comparatively low. The decisive factor is the desired duration. This varies from bank to bank and can last up to 64 months. However, who wants to take a long repayment period, must also expect much higher interest rates.

Personal loans as an option

Some companies also offer loans from private individuals. They can be an alternative to mini-loans if certain conditions are met. As a rule, borrowers also have to meet collateral for a loan from private individuals. These include, for example, a positive Private credit information and the proof of a regular salary receipt. The disbursements of personal loans are also variable. They are available from small amounts.

Our conclusion: Mini credit calculator offers fast and free comparison

The mini loan calculator offers the possibility to compare different credit providers within a short time free of charge. It is not necessary to call up the individual websites of the banks and to read through the offers, but a mouse click is enough. Taking into account the desired loan amount and the duration of the calculator shows all available mini-loan offers clearly. Anyone who wants to claim an offer, this can easily by mouse click and will be forwarded immediately to the provider for the mini loans.


Bridging loan to overcome financing bottlenecks

Bridging loan for operational bridge financing!

Although ensuring the necessary liquidity for self-employed professionals is a top priority, it can still happen that necessary expenses are incurred at a time when the account balance has insufficient funds. Since payment obligations can often not be deferred, there is a short-term lack of liquidity, which must be compensated. Such financial problems can be solved with a bridging loan.

With a bridging loan as bridging finance, self-employed can overcome a short-term liquidity gap they need to maintain business.

Banks are still having a hard time assessing situations that are critical for self-employed professionals, as they are more interested in longer-term loan financing with higher loan amounts. If interim financing is needed then the classic installment loan of the banks proves to be less suitable. The self-employed are then well advised to look for alternatives to the bank, not least in order not to unnecessarily burden the good relationship with their house bank. It makes sense before the conditions for a loan to deal with before an application is made.

Bridging Loan Recommendations – Short Term Loan Solutions for Self Employed, Trades and Small Businesses:

Bridging Credit Ranking of December 2018

Bridging Credit Ranking of December 2018

rank company maximum
1 Inancingent 750’000 €
2 financinga 100’000 €
3 Crediter 100’000 €
4 Funding Square 250’000 €
5 Pixocredit 100’000 €
6 moneyor 50’000 €
7 creditend 75’000 €

Financial Portal Inancingent offers Digital Corporate Loan up to 750,000 Euros in 24/48 hours!

The fintech company Inancingent has recently expanded its offer in the segment of short-term loans up to € 100,000 for small and medium-sized enterprises. This was achieved through cooperation with the fintech company financinga, which specializes in providing short-term loans for this target group.

The financinga services are connected via an interface. Inancingent customers can now take out loans of up to € 100,000. This will provide Inancingent customers with financinga offers for their required financing project in record time.

Inancingent’s Digital Short-Term Loan meets the conditions for rapid lending to bridge financing bottlenecks for the self-employed, professionals, traders and small and medium-sized enterprises (SMEs):

  • Short-term credit / bridging loan up to 100,000 euros within 24 hours
  • Short-term credit / bridging loan up to 750,000 euros within 48 hours

Fully digital process enables the fastest possible lending

After entering the financing parameters into the Inancingent portal, a completely digital process is initiated, in which all parties involved communicate via interfaces. The deep technical integration of financinga into the Inancingent portal enables the end-to-end integration of customer identification, digital signature and loan disbursement.

That should interest you further:

  1. Capital raising through money from the state through government support programs. More at: Subsidies for the self-employed, traders and SMEs
  2. The time-consuming search for funding does not have to be: Access to 220 financing offers and 1,700 funding programs with just one online request? Yes, that is possible! More at: SME tip: With one request access to 220 financial partners and 1,700 funding!
  3. With the financial portal Inancingent the credit chances increase by 100%! Another advantage: you save 30% interest! More: SME tip: 100% higher credit chances and 30% interest savings!
  4. With the credit formula can save up to 40% interest!
  5. The purpose of the loan may also be important in the credit decision of the bank.
  6. Before the self-employed with his request for credit to the bank, he should inform himself about the credit requirements in detail!
  7. The financial portal Inancingent also makes it possible to optimize commercial real estate financing and save money.

Everything else about loans for the self-employed, freelancers, founders, entrepreneurs, tradesmen and small companies can be found in our practice guide loans for small businesses and the self-employed.


Fast loans for small businesses and the self-employed up to 100,000 euros in 24 hours!

Award-winning SME loan for fast and flexible financing solutions!

Award-winning SME loan for fast and flexible financing solutions!

Financial Technologies company financinga, founded in 2012, specializes in fast, unbureaucratic and flexible loans for small and medium-sized enterprises (SMEs) in the short-term up to 12 months. With its own credit check analysis technology, financinga provides access to up to € 100,000 within one working day.

Using the financinga online platform, SMEs, businesses, the self-employed and freelancers can apply for loans in just a few minutes, for example to buy goods, settle unexpected bills or close financing bottlenecks.

Conventional banks unsuitable for short-term lending!

Traditional banks are focused on long-term financing and are still struggling to provide short-term and time-critical lending solutions for livelihoods of SMEs. Often SMEs with short-term loan inquiries or liquidity problems do not want to endanger the otherwise good relationship with their bank. financinga offers a real alternative to house bank financing.

financinga works with partner bank Fidor

financinga is not a bank but a Financial Technologies company. Funding in the background is the Execubank. The applicant can register online and connect to accounts or upload bank statements, VAT returns and financial statements. Thanks to a specially developed innovative credit analysis technology and the cooperation with execubank, financinga is able to quickly and easily lend short-term loans, for example to provide liquidity or to buy preliminary products.

Conditions of financinga at a glance:

Conditions of financinga at a glance:

  • Credit lines from € 1,000 to € 100,000
  • Loans for SMEs as well as freelancers, freelancers, tradesmen and self-employed
  • Realistic credit opportunities even if conventional banks have already rejected
  • Loan applications are completed online & paperless within minutes
  • Credit decision & payment can be made within 24 hours
  • Non-binding & free financing offer
  • Terms up to 12 months

Requirements for financinga loans in Germany:

  • Annual sales from 10,000 €
  • All legal forms allowed
  • At least four months of operational activity
  • Registered in Germany

Important: Acceptance criteria are much less stringent than in conventional banking. Additional collateral is not required.

SME Credit financinga multiple award winning!

financinga has won several awards from independent agencies:

  • Winner of the 2015 Customer Innovation Award in the category “Top 3: Start Up B2B”.
  • Credit Award for Lending, Innovation in Lending and Technology, Data & Analytics Expertise.
  • Top rating on TrustPilot with an overall rating of 9.5 out of 10!
  • Top placement for short-term loan solutions for months: See monthly bridging loan ranking of the SME CREDIT team!

You should also be interested in:

  1. SME Finance Tip: With a single online request, SMEs and the self-employed can now choose the best offer from 220 financing service providers and 1,700 subsidies from the EU and Germany, free of charge and without obligation! More at: SME tip: With one request access to 220 financial partners and 1,700 funding!
  2. The Digital Corporate Loan, a bridging loan from Inancingent, meets the requirements for rapid lending to bridge financing bottlenecks for the self-employed, professionals, tradesmen and small and medium-sized enterprises (SMEs):
    • Bridging loan up to 100,000 euros within 24 hours
    • Bridging loan up to 750,000 euros within 48 hours

    Also under: Inancingent also for fast credit solutions within 24 hours!

  3. Hardly any SME, self-employed person or tradesman is aware that factoring as a credit alternative for medium-sized companies is not only an interesting solution in times of crisis!
  4. With our monthly published loan for SMEs and independent ranking you save a lot of time and money!

All about Unemployment Loans

Is there also the MaxCredit Loan for the unemployed? Many people take the opportunity to apply for a loan and fulfill their dreams or achieve their goals. But what can those who have no job do? The credit broker MaxCredit from Speyer also offers unemployed the opportunity to request a loan that can be approved. How does such an application work? Let us examine the question of what to look for in a MaxCredit loan for the unemployed. MaxCredit specializes in private clients and offers certain special forms of loans that target different audiences.

The MaxCredit Loan for Unemployed in Detail:

  • A liquid guarantor is required
  • The guarantor is also noted in the loan agreement
  • A regular monthly income is required
  • The net income should be at least € 1,150 per month
  • The MaxCredit Loan for the unemployed is only possible with Private credit
  • The minimum age is 18 years

1. Is the MaxCredit loan also possible for the unemployed?

1. Is the MaxCredit loan also possible for the unemployed?

The credit partner MaxCredit offers a loan for the unemployed. This can be requested online via the form on the website of MaxCredit. The applicant should note that he must provide a liquid guarantor specifically for this type of loan. The borrower must also be able to demonstrate a regular income of 1,150 euros net per month. MaxCredit is basically a good provider when it comes to loans without Private credit. However, the MaxCredit Loan for the Unemployed is an exception. The guarantor’s creditworthiness must necessarily be checked so that the bank and MaxCredit can be certain that the money can be repaid.

The Private credit is responsible for controlling the payment behavior of individuals, companies and states. The credit rating is expressed in numbers, which are represented in a Private credit score. The credit check determines whether the guarantor is financially able to repay the borrowed loan. In addition, the willingness to pay is controlled. The Private credit determines how high the probability of the willingness of the guarantor is to repay the loan amount including the interest. The Private credit information does not directly refer to the guarantor or the person, but judges him in the context of a group of persons to whom he is assigned. How exactly the Private credit score is composed is a trade secret.

If all prerequisites are fulfilled and the guarantor’s creditworthiness is positive, nothing stands in the way of MaxCredit Kredit for the unemployed. Since the guarantor is fundamental to the granting of the application, it is noted in the credit agreement, as is the borrower himself.

2. Does the MaxCredit Loan work for unemployed people without Private credit?

Since a guarantor is necessary for this special form, his creditworthiness with the Private credit must be checked. For employees, workers and civil servants, a loan, eg an instant loan, is possible without Private credit. Loans without Private credit can in principle work for employees, because their personal situation is explicitly checked by MaxCredit. No entry is made in the Private credit. Should a loan be refused, the MaxCredit loan request will remain free.

The Private credit information is therefore indispensable for loans for the unemployed with the loan broker. The bank has to protect itself by checking the creditworthiness of the guarantor and protecting the guarantor from over-indebtedness. That is ultimately the task of Private credit Holding AG.

3. What proof must be available?

The borrower and guarantor must be at least 18 years old. From the liquid guarantor proof of an indefinite employment contract is essential. The guarantor is also listed as a borrower in the loan agreement. It is also important for the conclusion of the contract that the guarantor signs him and can prove a copy of his last pay slip. MaxCredit carefully examines the claim so that the loan can not be detrimental to either the borrower or the bank. If the guarantor has a negative Private credit entry, the contract can not be concluded. It is very important that the guarantor has the necessary confidence in the unemployed borrower. Co-applicants are therefore often good friends or close relatives. The solvent guarantor should agree that his personal situation will be scrutinized as part of the lending process.

4. Can you borrow from private individuals?

Anyone who is unemployed and would like to take out a loan independently of banks and credit institutions can do so at any time. The prerequisite for this is a private lender who has a good basis of trust with the borrower. Trust is the most important foundation. In order to further secure the loan, a contract can be set up in which the loan amount is fixed, the names and the repayment modalities are recorded. If the money is handed over, witnesses should be there and it is advisable to acknowledge receipt of the money. Taking out a loan from a private individual can also be beneficial. The interest and the conditions for the repayment can be handled individually. Nevertheless, everyone should consider whether he really wants to risk a good friendship for a loan. Failure to comply with the repayment agreements will quickly create tensions that may weigh on the relationship.

5. Questions and answers about Private credit

What is behind Private credit Holding AG?

Founded in 1927, Private credit Holding AG, headquartered in Wiesbaden, is a private-sector credit reference agency. It is a protection association for general credit protection. It informs its contractual partners about the creditworthiness of third parties. It checks the credibility of the credit as well as the willingness and ability to pay. Therefore, it is fundamental that MaxCredit receives the Private credit information about the guarantor. The guarantor is also secured by this.

What is the Private credit score?

The Private credit score represents the creditworthiness of a person, company or state in numbers. The economic repayment ability and willingness to pay are checked. The value is recalculated every 3 months. If you put some signature under a Private credit clause, the score can change.

How do you create negative Private credit entries?

Since the guillemod Private credit is being tested, it should not be possible to prove negative Private credit entries. There are certain features that negatively affect the Private credit score. This includes when someone overdraws their current account, installments have been forgotten or an invoice has not been paid. Contracting party of Private credit, such as the mobile operator, where you have a contract, forward her this message and a negative entry arises. Strong negative is a Haftandrohung or an affidavit on.

In addition, one should avoid changing residence all too often, having multiple or changing bank accounts, or borrowing too much, as can happen with small loans. The guarantor must therefore have a positive Private credit information, so that the MaxCredit loan can be granted for the unemployed.

6. MaxCredit has even more offers

When MaxCredit experience is worthwhile, if you can specify a liquid guarantor. In addition to this loan, the loan broker offers instant loans, where the borrower gets his money paid out very quickly. There are also mini loans and cash loans. If the house bank is not aware of the transaction or for whatever reason, a cash advance is possible. Here it is up to the borrower, whether he can cash out the cash or by bank transfer. Also a sending of the money by post is offered. For the payment of a new or used car there is the offer of a car loan. MaxCredit offers good loans for various uses and living conditions. It is worthwhile to deal with further MaxCredit Loan experiences.

7. Conclusion: Fair credit, if you have a guarantor

The MaxCredit Loan for Unemployed is a great opportunity and a fair credit to fulfill a wish. The basis of this loan is always the basis of trust with the guarantor. It is a very good alternative to loans that are taken out by a private lender and unnecessarily burden the relationship between lender and borrower. Find out now and apply for your own MaxCredit loan!


I have to admit that I did not intend to read it whole

Medicine without deception

Says JM Mulet, author of ” Medicine without deception, ” that hope has a better market than consolation … a reflection that, although simple and predictable, remains a truth like a cathedral. A reality that we forget when what we have in front of our eyes is precisely that hope buenrollista that sells us the cure for all the ills of the world especially if we have a health problem. To my way of seeing this is the sentence that would best summarize the book, hope (that of the unwary) and market (that of the mercachifle) put in tune . I insist, nothing that we do not know but that it agrees to remember in scholarly plan when it is mentioned to Henri Poincaré:

We also know how cruel the truth can sometimes be, and we wonder how much more comforting is the deception .

Very in summary in this work you will be able to find everything that those who promote the use of false and fraudulent alternative-complementary-natural therapies to promote and make you bite are silent. For this they will disguise in many occasions of medicine, although, it has to be very clear, medicine only exists one: the one that works . You can bet that if the Bach flowers or aromatherapy had any indication of effectiveness or real utility (beyond making cash out of the rooms to the unwary) these therapies will be available the next day to users of public health in the ambulatory health centers or in specialized consultations. But it will be no.

I have to admit that I did not intend to read it whole. If yes, look deep enough to find what I expected to find and that I already knew. I confess that a work that was still interesting and necessary for many readers would contain data, arguments and redundant stories, at least as far as my knowledge is concerned. However, I devoured it from the first to the last page. There are two things that I have found especially bright in this work. On the one hand, we invest a good number of pages at the beginning of the book to explain why we must rely on “official” medicine , and on the other, to make known the true origin of many of the pseudosciences and approaches that Nowadays, they market badly with your health, whether it’s a cancer or a seasonal flu, through the fact that you vaccinate or not of anything.

Thus, this book will give you enough arguments for you to give each therapy its true weight by virtue of the misinterpreted tradition (secular, millennial, etc.), the criterion of authority, ami-functionalism or fashions (many people use it, no may be wrong) and therefore will help to raise reason and common sense . Some virtues that when activated to obtain the best possible result among all known is known as scientific evidence . Something that suffers all these well-meaning deceptions -but-no .

Medicine without deception In any case you may think that I write this review because JM Mulet is a friend with whom I share a good part of the scientific perspectives in light of his informative work and mine … and you would be completely right. But in the same way I hope you do not have the slightest doubt if I tell you that as he maintains, information is the best antidote against the scam . So, inform yourself with this work and, if it does not convince you ( there are few things in this world that are more difficult to invest than the sense of credulity ), you can refute their arguments as you see fit. Surely both he and I (like many others) will be happy that you take us out of our mistake.

In definitive accounts, whether you enjoy disclosure in its purest form , if you are akin to scientific-sanitary issues , if you enjoy the history of medicine , as if you want to know the reality behind the infinite alternative therapies of good roll while salpimientas the reading with good doses of humor, anecdotes and double meanings , this is with little doubt one of your essential readings for this summer … or for whenever.