Finding the right working capital loan and thus securing you for times

The wage costs are pending, but a large client has not yet paid? You have to buy new goods and pay in advance, but the liquidity is currently not available? With a working capital loan from Full credit bank you get a quick solution to your problem. Your loan application will be processed within 30 minutes. Immediately after approval, you can carry out the legitimation and thus access the funds within a short time!

Apply for a working capital loan

Apply for a working capital loan

Free credit request With a net loan of $ 4,000 and a loan of 72 months, 2/3 of the new customers receive in advance. an eff. Interest rate pa of 7.9% or less (born debit rate 6.45% pa) Important: In your own interest, please do not make any further credit inquiries, as multiple inquiries (also from other providers) can lead to irritation and the blocking periods can be imposed by the banks in question.

Working capital loan with Full credit bank

  • Loan contract drawn up by the professional on the situation
  • Free inquiry and processing with social responsibility
  • Have a flexible working capital loan
  • Early repayment possible at any time
  • Real-time info SMS, and real-time customer area
  • Express payment by Postident online from Deutsche Post

Even small financial constraints can cause great damage to your company. It is often the financing of operating resources that is difficult. Full credit bank as a credit broker supports you in finding the right working capital loan and thus securing you for times when there is no short-term liquidity. With us you have a personal contact for your working capital financing, whom you can contact if you have any questions or anything is unclear. Full credit bank will be happy to advise you on the selection of the right loan contract.

You have these advantages with a working capital loan from Full credit bank

You have these advantages with a working capital loan from Full credit bank

We already have many years of experience in loan brokerage with and without credit bureau, so you can benefit from fast and uncomplicated brokerage. Your credit inquiries for working capital financing are non-binding and will be processed by us within a very short time. Your request for an investment loan is non-binding and free of charge. Information on the status of your credit request will be sent to you by SMS and email. This means that you know directly when a loan for the working capital loan has been accepted. With us there are no unnecessary additional products that entail high costs. Insurance or credit cards are not offered. In addition, our working capital loan offers you a high level of flexibility, which is particularly important for you as an entrepreneur.

When do I get access to the loan?

When do I get access to the loan?

You have to buy goods for your company and you need a working capital loan as quickly and easily as possible? Different investments can trigger an urgent request:

  • The purchase of goods and the purchase of raw materials are pending.
  • You want to secure liquidity.
  • The personnel costs must be paid.
  • Payment of the rent is imminent and you are still waiting for the settlement of bills.
  • Claims have to be financed.
  • You don’t get a supplier credit.
  • You don’t want to use a supplier credit.

We at Full credit bank want you to be as flexible as possible with your investment loan, your assets do not have to be attacked and therefore endeavor to process your request for a working capital loan quickly. Immediately after we receive your application, we make an inquiry to the financial partners and receive feedback on the terms of the financing.

We will forward the offers received for the loan amount to you as the applicant. You can now compare and tell us which of the offers you have chosen. Your details will now be checked and the loan approval awaited. Commitments can usually be expected within a few minutes. This means that you know after a short time whether you can count on the working capital loan.

Now the customer identification is carried out. Only then can the working capital loan be made available to you. We work with Postident. This is a procedure that is carried out in cooperation with Nice bank. It is particularly practical that we can provide you with online authentication. This is where VideoIdent comes into play. You need your ID for identification and you can only do this using the webcam on your PC, smartphone or tablet. We also offer the option to carry out authentication via the electronic ID card. This is referred to as the eID function.

As soon as the authentication is carried out, you will have access to your working capital credit via your business account. It should be available to you within 24 hours.

Does credit bureau find out about my request?

Does credit bureau find out about my request?

It is a major concern of applicants that credit bureau will be informed if there is only one request. If you make a credit request at Full credit bank, we will address the different banks and inform you about their terms. This inquiry about the working capital loan is made completely credit bureau neutral. This means that there is no information given to the protection association for general credit protection.

In some cases, there is the possibility of arranging a working capital loan without a note to credit bureau, but the information is passed on to the lender that a credit bureau query should be avoided. In this case, the self-assessment is used as the basis for checking your creditworthiness. A loan without a credit bureau query poses a higher risk for a bank. This can also increase the interest rate. All the more important is a comparison of the offers and individual advice offered by Full credit bank.

What kind of offers do I get?

What kind of offers do I get?

As soon as you have sent us your application for a working capital loan, we will go through your details and provide you with offers. A clear list is provided so that you can check which is the best contract for your loan. Lenders must comply with the Price Information Ordinance (PangV). This means that the interest and costs for your offer are clearly listed. It is also necessary that you can see the effective annual interest rate. This enables a simple comparison of the individual offers.

But it is not only the interest rate on the investment loan that is decisive for you when it comes to choosing a working capital loan. Other factors also have a major impact on whether an offer is effective for you. Check what the repayment looks like and how flexible the financing offered is. Your personal contact person at Full credit bank will be happy to advise you on all questions relating to working capital loans and support you in your selection. You are welcome to contact us if you have any questions about a guarantee bank or development loans from a development bank.

This is how you simply submit your loan application online

This is how you simply submit your loan application online

Sometimes it just has to be a working capital loan in the short term. A quick approval of your application is necessary so that the financing of repeat orders and purchases, short-term personnel costs or also the rental and purchase of raw materials can be guaranteed. With the option of simply filling in the credit application online at Full credit bank, everything is accelerated. Just three steps are necessary to submit the application:

Step 1: Indicate that you want a working capital loan and fill in the data, such as the desired amount, your name, address, date of birth and your other contact details.
Step 2 : In the next step, fill in the additional questions so that Full credit bank learns more about you and the company.
Step 3 : Specify the business account for which the working capital loan should be made available.

You can easily and quickly go through the individual steps directly on the PC and send the credit contract for the overdraft facility online. We will then process your credit request. You will receive the first information after just a few minutes.

What is a working capital loan?

What is a working capital loan?

The working capital loan is also called a bridging loan or a trade loan and ensures that you do not have to liquidate your current assets. It is a short-term loan that companies can take advantage of if they want to finance current assets. In your company, you can use a working capital loan to bridge the period between the purchase of the goods or raw materials and the sale of the products you offer.

Repayment often takes place within the framework of the proceeds, which are then generated from sales. The working capital loan is made available to you by Full credit bank as a current account credit with the desired credit line. This is comparable to an overdraft facility. This means you can always use the short-term loan and invest in operating resources.

 

5 Types of Guarantees and Pawnshop Terms for Quick Loans

Pawnshop is known as a loan provider with relatively lighter requirements and a short process. Therefore, it is not surprising that even though a variety of online loans have sprung up, Pawnshop loan services are still in high demand.

Moreover, Pawnshop is an official financial institution managed by the government, so that borrowers do not have to worry about being caught in a bulging loan service.

As we know, Pawnshop implements a pawning system of goods to get some cash. The goods will become collateral, as well as a loan replacement if we are unable to pay. But, if the loan can be paid off smoothly, the mortgaged goods will become ours again.

 

Guarantees and Pawnshop requirements to get a loan

loan

1. Motorized vehicles

To get a large number of quick loans, motor vehicles are the assets most often chosen as collateral. Fortunately, motorized vehicles are not mortgaged in physical form, but rather the BPKB letter.

That way, even if it is used as collateral, the vehicle can still be used to support your daily activities.

However, not all motorized vehicles can be used as collateral. There are several criteria for motorized vehicles, both cars and motorcycles, to be mortgaged.

To pawn the car, the maximum age of the vehicle is 10 years. Meanwhile, for motorcycles, the year of production must be within the last five years and be registered in the brands of general manufacturers, such as Yamaha, Honda, Suzuki, and others.

One type of Pawnshop loan that can be obtained by guaranteeing a motorized vehicle is Kreasi, a micro-credit service from Pawnshop . The creation is aimed at developing micro, small and medium enterprises (MSMEs) with a loan ceiling of up to $400 million.

 

2. Gold

2. Gold

Gold, both in the form of jewelry and gold bars, was accepted by Pawnshop as collateral. Because, gold has a high value with prices that tend to be stable.

In general, the requirements needed for mortgaging gold in Pawnshop are certificates and memorandum of purchase of gold. Other Pawnshop requirements depend on the financing services of the Pawnshop being taken.

 

3. Electronic Goods

Borrowing money at Pawnshop can also be done by mortgaging electronic goods, such as televisions, refrigerators, radios, and other electronic devices.

To be used as collateral, the electronic goods must have a maximum production period of one year. Of course, the condition of the goods must also be in good condition, not deformed, and not damaged. The borrower also needs to include a purchase receipt and guarantee card (if there is still one).

Meanwhile, other requirements depend on the type of goods guaranteed. For example, television must take the form of an LCD, adjusting current consumer trends. The more new and better condition of pawned electronic goods, the greater the chance of getting a high ceiling loan.

 

4. Gadgets

4. Gadgets

Various gadgets, ranging from smartphones to laptops can also be used as collateral. The main requirement, the gadget is in good condition, without damage, and not more than one year of production.

To apply for a Pawn Flexibility loan, you only need to hand over the gadget as collateral, a KTP or valid identity, and sign a credit card.

 

5. Camera

Perhaps, many do not know that even a camera can be used as a pawn item. Generally, cameras that can be used as collateral for DSLR type and have a maximum production period of the past year. In addition, you need to include a purchase receipt to submit a loan.

Some loan products that can be submitted by guaranteeing the camera are KCA and Pawn Flex from Pawnshop .

In general, items that can be pawned are items that are not easily subject to price drops drastically on the market. Even so, it does not mean collateral must be classified as a luxury item.

In addition, many thought that a house certificate could be mortgaged at Pawnshop. In fact, according to information obtained from the Friends of Pawnshop website, to date home certificates cannot be used as collateral in Pawnshop.

 

How to redeem collateral at Pawnshop

credit loans

After the loan is paid off, you can redeem the pawned goods for the duration of the loan. However, if you do not have the funds to redeem goods after they are due, you can extend the loan period for the next 120 days, by paying only the interest.

If you do not redeem or extend the loan period, then Pawnshop has the right to auction off the pawn item. Usually, the deadline until the auction time has been stated on the pledge or credit proof.

But, Pawnshop generally still will contact the relevant customer first to inform the status of the collateral. If there is no response or request for time to pay off tolerance, then the collateral is fully the right of Pawnshop and Pawnshop has the right to auction the item.

 

Pawnshop loan ceiling, interest, and loan tenure

loan tenure

Basically, the pawning system applies a lease with a loan system. So, in addition to interest or rental capital, loans at Pawnshop also incur administrative costs. The amount starts from $2 thousand to $125 thousand.

There are also types of Pawnshop loans that charge an administration fee of 1 percent of the loan money. The greater the loan ceiling, the greater the administrative costs. Meanwhile, loan interest starts from 0.75 percent per 15 days.

The loan ceiling offered by Pawnshop starts from USD 50 thousand to USD 500 million, with loan tenors ranging from 1 day to 36 months.

 

Cream Bank as an alternative to Pawnshop loans

Cream Bank as an alternative to Pawnshop loans

Pawnshop offers loan services on relatively mild terms. Therefore, the mortgage of goods remains a mainstay for some people. Unfortunately, Pawnshop loan interest is quite high.

As a comparison, generally KTA loans from banks set interest ranging from 0.59 to 0.99 per month. If calculated, with the same loan ceiling, the interest expense imposed by a Pawnshop loan can be twice as high as a Cream Bank loan.

In addition, the pawn system requires borrowers to visit the nearest Pawnshop office. This is somewhat inefficient, especially when compared to applying for a Cream Bank loan that can be done online.

Credit without Credit Bureau: Apply for a loan now

Are you looking for a loan without Credit Bureau? Then Lender Bank is your reliable and reputable credit broker. Make a non-binding and free credit request and get your personal offer after a short time. We’ll tell you how to complete the loan request for a Credit Bureau-free loan in three easy steps. You will receive the online credit for every purpose and can expect to receive the payment in your account soon if the basic payment requirements are met!

Free credit request With a net loan of $ 4,000 and a loan of 72 months, 2/3 of the new customers receive in advance. an eff. Interest rate pa of 7.9% or less (born debit rate 6.45% pa) Important: In your own interest, please do not make any further credit inquiries, as multiple inquiries (also from other providers) can lead to irritation and the blocking periods can be imposed by the banks in question.

Credit without Credit Bureau with Lender Bank

  • Loan contract drawn up by the professional on the situation
  • Free inquiry and processing with social responsibility
  • No additional contracts like family insurance, credit card etc.
  • Early repayment possible at any time
  • Real-time info SMS, and real-time customer area
  • Express payment by Postident online from Deutsche Post

What is a loan without Credit Bureau?

In the case of a loan without Credit Bureau, a credit intermediary works with the loan seeker. The lending and the credit terms are not dependent on the Credit Bureau information. Instead, the mediator asks about the applicant’s income and the personal and professional situation. The lender checks the loan applications without Credit Bureau request. Instead, he determines the creditworthiness of the borrower based on the data in the self-disclosure in the loan application. Consumers with a negative Credit Bureau scoring also receive a personal loan, which is usually granted as an online loan.

That is why Lender Bank is the right partner for a personal loan without Credit Bureau

That is why Lender Bank is the right partner for a personal loan without Credit Bureau

If you are an employee, manual worker, civil servant or pensioner with a minimum income of $ 1,100.00 net per month, Lender Bank is your credit specialist for a Credit Bureau-free loan. As a credit broker, we have many years of experience in lending to private individuals. Loan seekers receive a personal offer that takes into account the individual situation of the borrower. Of course, all credit inquiries are treated confidentially and the data is only passed on to reputable lenders. In contrast to dubious credit brokers, we do not charge any upfront costs or fees that apply regardless of the success of the credit brokerage. If the loan is successful, we receive a commission from the lending bank. The loan application is completed quickly and easily and is processed within 20 – 30 minutes.

You can apply for these types of credit at Lender Bank

You can apply for these types of credit at Lender Bank

You get Credit Bureau-free loans with different loan amounts and at different loan conditions. The loan request is made online and is non-binding and free of charge for loan seekers. The credit broker Lender Bank offers borrowers the following types of credit free of charge:

  • Instant loans
  • Online loans
  • Car loans
  • Debt rescheduling
  • Modernization loan
  • Mortgage loan
  • Small loans
  • Urgent loans

All types of credit are private loans, for which lending banks and other lenders conclude a loan agreement. Whether you want to pay off other debts with the borrowing, buy a new car, set up the apartment or go on vacation, does not matter for the loan decision. It is only important to the lenders that you pay the monthly installment on time and that there are no defaults. To rule out dubious credit inquiries, Lender Bank requires a minimum monthly net income of USD 1,100.00 from every applicant who is looking for a loan without a Credit Bureau loan.

Credit Bureau-free credit – expiry of a credit application at Lender Bank

Credit Bureau-free credit - expiry of a credit application at Lender Bank

If you, as a borrower, request a loan offer from us, we first make a Schufneutral request to various lenders. Credit Bureau neutral means that the credit request has no effect on your Credit Bureau score. We only make a condition request to the lenders, no loan request. Therefore, Credit Bureau finds out nothing about your interest in a small loan or online loan.

After you have completed the online application, we will make you several loan offers within 20 – 30 minutes if the payment requirements are met. You decide on the optimal type of loan. After you have informed us about the choice of the suitable loan offer, we will give you the loan approval within a short time. In the case of an immediate acceptance, this takes place within two minutes. You then only have to identify yourself using the postident procedure. If you opt for the online identification process, you will see the receipt of the loan amount on your bank statements after a short time. Filling out the loan application is done in three easy steps.

Loan application in three steps

1. Whether small loan or a higher loan amount for debt rescheduling or for a larger purchase, you can enter the required loan amount and the desired loan rate in our loan form. Then we need some information from you to process your credit request. This includes:

  • Salutation, first name and last name
  • your current address
  • Your date of birth
  • Email address and mobile number
  • Indicate when you can best be reached.

Before submitting the loan request, you should check whether you can take out the loan with a second person. With two borrowers, the loan terms are often more favorable. It also serves as credit protection if two borrowers guarantee the repayment of the monthly installments. This shows lenders that there is less risk of default, making it easier to make credit decisions. If you are married, register your spouse as the second applicant. Unmarried loan seekers can register their life partner. But parents, grandparents or good friends can also take out a Credit Bureau-free loan with you.

After submitting the credit request, you get immediate access to the customer login by seeing the current status of your request. The link is on the page after sending as well as in the email you specified.

Credit without Credit Bureau with many options from Lender Bank

Credit without Credit Bureau with many options from Lender Bank

As a credit broker, we make creation-neutral credit inquiries for net loans starting at 4,000.00 USD. The maximum loan amount is USD 60,000.00. You have 48 to 120 months to repay the personal loan. The amount of the monthly installment results from the net loan amount plus interest divided by the term in months.

You are free to choose what you want to take out the loan for. Debt restructuring of old loans is often worthwhile in order to save interest. If you have negative Credit Bureau entries, a loan without Credit Bureau can even save you from personal bankruptcy. The loan request is free and non-binding – just try it out!

What are Credit Bureau and Credit Bureau scoring?

What are Credit Bureau and Credit Bureau scoring?

When you apply for a loan from a bank, the lending institution wants to be sure that the loan will not default. For this reason, every bank in Germany makes an inquiry to the credit agency Credit Bureau before lending, which is an abbreviation of the former name of the protection association for general credit protection . Credit Bureau has collected data on more than 60 million German consumers. The credit agency uses the data to assess the creditworthiness of the loan seekers. The banks rely on Credit Bureau information and reject the loan application if Credit Bureau entries are negative.