Bad credit small business loans -Request a business loan with bad personal credit

Request a business loan with bad personal credit

Apply for a business loan

Applying for a business loan with bad personal credit at https://acfa-cashflow.com/ is a simple, clear process:

  • Apply for a business loan online 
    Here you enter all data, the desired loan amount and your company data and results. 
    You get a personal point of contact where you can go with any questions.
  • You receive the financing 
    After giving your approval you will receive the loan amount on the account and the business loan is a fact.

CircleFund: Affordable and fast a business loan

CircleFund offers business loans from business investors meant for business borrowers. Entrepreneurs and investors meet each other through the largest crowdfunding platform in the Netherlands.

For entrepreneurs who want to grow

Nobody needs a bank for that. CircleFund is a safe place where investors make their money available to enthusiastic entrepreneurs.

Borrow 10,000 to 250,000 euros from CircleFund

Entrepreneurs can apply for a business loan of 10,000 to 250,000 euros with an interest from 2.49% per year.

Borrow business money and invest

CircleFund is the largest online credit marketplace in the Netherlands and the world. Companies easily receive a tailor-made credit at very affordable costs. This provides countless entrepreneurs in small and medium-sized businesses with a business credit. Entrepreneurs appreciate their fast credit decision and attractive and flexible conditions for their credit. Private investors benefit from an attractive return, monthly repayments and a professional risk analysis.

Your business credit

Business financing for every conceivable purpose in your company:

  • Financing working capital
  • Pre-financing assignments
  • Purchase equipment
  • Hire additional staff
  • New office layout
  • Renovation of business premises

Fixed, affordable monthly repayments

You can request a business loan with a duration from 6 months to 5 years. The may repay the loan early without penalty. You then only pay interest over the final term of the business loan. Simply request a business loan online and receive an offer without obligation.

Features CircleFund business loan

  • Loan amount business loan: 10,000 euros to 250,000 euros
  • The duration is from 6 months to 5 years
  • No fines for early repayment
  • Interest from 2.49% per year

Minimum requirements to receive a business loan

  • Your company has achieved a minimum of € 30,000 in sales in the past 2 years
  • Your company has been in existence for more than 2 years
  • You are a sole trader, VOF or BV
  • The turnover is stable and with a positive trend
  • You have correct accounting
  • You have not registered any major debts with the BKR
  • As an owner you live in the Netherlands
  • The company is registered in the Netherlands and registered with the Chamcom

Cost of a business loan

When applying, your company will be assessed by experienced credit analysts. The outcome of this determines the amount of interest that you pay for a loan. Your monthly installment consists of a part repayment and a part interest. In the free quote you will find exactly all the costs that you lost on closing and during every monthly payment.

How to save money?

Saving money is one of the most important issues in economics and personal finance. There are simple strategies to achieve it.

Have you heard “saving is not just saving, but knowing how to spend”? It is a popular saying and I think it is very wise. Savings and spending go hand in hand.

The concern for saving is not only yours, but also governments and companies. People, businesses, in times of crisis, tend to save more as a way to prevent future problems. This contraction causes a decrease in the demand for products and, therefore, the economy goes into recession. On the contrary, in times of bonanza, people and companies spend, buy, and production and commerce benefit from the dynamics.

The same thing happens to you?

The same thing happens to you?

It is clear that the economy does not support low consumption or exaggerated demand. The extremes are not good even for your personal finances.

So what is the perfect measure?

One that allows you to consume and save to later invest.

Now, what do we do to save?

Decide

Saving is, above all, a decision. You solve how much to save and for what. What is truly valuable is not the amount, but the power of determination.

You can set a small goal or an important asset, like that of my friend Gabriel: he decided to save 50% of his salary so he could become independent in a few years. Simon made a different decision: spend less than he earns. In that order of ideas, he adjusted his lifestyle: housing, car, fun, commitments, costumes, health …

The decision to save is possible if you set your priorities in life

The decision to save is possible if you set your priorities in life

For example, what is more important, travel or a depa in Miraflores. If traveling moves your heart more, then the decision is easy: you will live in an area that allows you to fly, or rent a smaller apartment, or share housing with someone else. Choosing and establishing an order will not only make you feel more comfortable, but you will enjoy your commitment more.

This strategy is very important. It’s about balancing the use you give money to feel satisfied. As you saw, saving can only produce a paralysis in the economy. The same can happen in your life. To spend is also to rejoice, celebrate, grow, take care of yourself, give away. You must find the balance in which you feel that your well-being is covered.

It is time to create a table of income and expenses. This is the most effective way to have healthy finances.

    • Calculate all expenses, not forgetting those that are semiannual or annual.
    • If, for example, you estimate that you can spend S / 215 on gasoline, budget S / 250.
    • It includes a monthly “contingencies” item.
  • Put savings on the list of expenses.

The advantage of this method is that, when unforeseen events occur, your savings will remain guaranteed. And, at the end of a few months, you will not only achieve your savings goal; You will also have a little more for the extra budgeted money.

Some point out that saving 10% of income is a reasonable goal; others prefer 25%. What is your figure?

Save in group

Save in group

A very useful method to comply is to save in groups. So, someone will claim the fee! And you don’t want to look bad for any reason.

    • Several friends open an account and enter a previously agreed figure monthly. The resources will have a common objective, a trip or an investment.
  • Some colleagues organize to save. Each month they contribute a fee and do activities such as raffles, sales, dinner with a fee, to increase income. At the end of the year, they share the savings with the returns.