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
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
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?
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?
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?
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
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?
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.