Loan for self-employed without proof of income

What you need:

• good credit
• a good bank report
• good balance sheets
• good persuasiveness

Convince with a good credit rating without proof of income

If you need a loan as a self-employed person without proof of income, the first step should be to your house bank.

• The best thing to do is to make an appointment with your clerk.
• Prepare for the interview by making a list of your liabilities as well as your income.
• The bank employee will then examine your monthly account statements at the appointment; it would be an advantage here if you had a credit balance in the last few months.
• As you as a self-employed person do not have the proof of income in the usual sense, your creditworthiness must be impeccable.
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Provide proof of income at the bank - this is how it works

In addition to a SCHUFA information, which the banks can collect with your consent ...

• If the loan is for personal use, the bank will, if there are no other deficiencies in your financial area, too will certainly meet your requirements, even if you, as a self-employed person, do not provide proof of income for this loan can.

Loans for companies mostly only with good balance sheets

It is more difficult for banks to issue loans for company use, as the self-employed cannot provide proof of income.

• Request submission of tax assessments for the past 3 years.
• If these turn out to be too low, you must refer to the future forecasts you have brought with you and the reference to account data that you have maintained well.
• If your bank is stubborn, end the conversation in a friendly manner.
• Think about which banks advertise in particular to business customers.

Opportunities for self-employed loans without proof of income

If you have found what you are looking for, go there with your documents.

• Take the bank statements of your business account as well as your private bank details with you.
• Think beforehand whether your bank report is in order; this is the case if it has been in the past 3 months there were no return debits or limit overruns in your account movements is.
• If the bank information is not flawless, please clarify this to the person you are speaking to in advance.
• Explain how the return debits came about.
• If you have now submitted all of the documents, give the prospect of moving your business account to the new bank if the credit decision is positive.
• For the time being, however, avoid confirming this for your private bank details as well.
• It has paid off to keep private and business accounts separate from each other, a reputable bank can understand this and will not push any further.
• If you have explained your company well as a self-employed person at the bank, you are positive through the After a credit check, your chances of getting a loan are good, even without a classic proof of income obtain.