It has become increasingly common nowadays to obtain credit due to decentralization, and thus, a greater number of people can access this benefit. Among all the groups, we managed to find the workers autonomous, which until a certain time suffered restrictions due to the difficulty of proving income.
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However, from traditional to digital banks, financial institutions are more flexible when it comes to is loan approval for the self-employed, and this same group has also had access to some different options for credit. See some of them below.
Having a business loan approved does not mean you need to prove income. However, interest rates end up being much higher because this is one of the guarantees that the financial institution has to know if the customer is able to pay the amount that was contracted.
Another guarantee that banks may request is the indication of a personal contact for confirmation of registration. In addition, the RG, CPF and proof of residence are also required. In addition to this information, banks, especially traditional ones, can also request bank statements with a history of at least six months to prove income, income tax and also invoices for services provided by the professional autonomous.
It is also necessary to go through the Credit Analysis that proves that the client has a certain capacity to pay the amount requested in the loan, in addition to consult if he has any legal pending in his name, whether old or recent, or any other obstacle that may end up being decisive in the approval of the values.
The analysis we mentioned is based on the same documents that are presented to prove income: bank statements, service invoices and also the income tax return.
This type of loan ends up requiring a little more attention, and also some planning. This is because of the interest rates that are applied, as they are considered the highest on the market. Therefore, the modality can end up becoming a certain trap, causing even more indebtedness.
This modality has the lowest interest rates on the market, with rates close to 4% per month. It is offered to small businesses for some benefits such as renovations, purchase of inputs and equipment or even for some change of location of the company.
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