Business start-up loan also with Schufa

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Dissatisfied job seekers and unemployed people are more and more interested in starting their own business. This often requires a start-up loan. Politicians like to see themselves as patrons of start-up loans. Unfortunately, it is overlooked that the unemployed in particular are often in debt, and a start-up loan with Schufa proves to be difficult.

Negative Schufa, that means a lot to explain.
Negative Schufa, that means a lot to explain.

What you need:

  • a very good tax advisor
  • a very good concept
  • a very good justification for your situation

Business start-up loan with neutral Schufa

  • In Germany, every citizen is in the Schufa.
  • It depends on whether you are listed neutrally, positively or negatively in the Schufa.
  • With a neutral entry with Schufa, you will most easily receive a start-up loan if all other requirements are met.

Business start-up loan with positive Schufa

  • Your entry with the Schufa is positive, which means that you have financial obligations, but always pay them on time.
  •  Now it depends on which loans are involved here. For a start-up loan, if possible, it should not be so-called consumer loans.
    • Car financing despite Schufa entry - you should consider that

    If you are employed and earn an income that is well above the ...

  • Before you apply for the start-up loan in such a case, speak to your house bank.
  • To do this, you should submit the finished concept of your project to the clerk.
  • Be open about your ongoing commitments. If the amount is relatively low, the bank may give you offer a replacement via an overdraft facility.
  • If higher amounts are involved, the bank can request a surety in this case. The chambers of industry and commerce are responsible for this.
  • Have an appointment there and take with you a business plan drawn up by a tax advisor or auditor.
  • You then place this with your curriculum vitae To your interlocutor.
  • If you convince your counterpart, nothing stands in the way of a start-up loan.

Difficult to get a start-up loan with negative Schufa

  • With negative Schufa, a start-up loan is only possible with a lot of persuasive power, a watertight concept, and guarantors via the Chamber of Commerce.
  • This is especially true if the Schufa entries are dunning notices and affidavits.
  • The hands of the bank are practically tied for the granting of a start-up loan.
  • So you now have to explain to the employees of the Chamber of Commerce exactly how the negative entries at the Schufa came about.
  • Create an understanding of your debts, convince you with your résumé and score points with the business plan.
  • If the bank, like the Chamber of Commerce and Industry, sees a solution here, you will receive the start-up loan despite the negative credit bureau.
  • Sometimes a bank will accept a guarantor from your private sphere, but you should think twice about this.
  •  Remember, if your venture fails, this person will have to pay off your debt. Better go to a debt counseling service and try to get rid of the legacy problems.
  • After that, nothing stands in the way of a renewed application for a start-up loan, this time with a positive Schufa

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