Borrowing money without BKR for ZZP is interesting for every Dutch potential borrower who would like to take out a loan without any problems. As a self-employed person or, more precisely, as a self-employed person without staff, that does not seem such a simple matter at first sight. There is a good chance that you will receive an invoice at a certain point in time that you cannot immediately comply with, with all the unpleasant consequences. If you cannot repay a certain debt in time, you run the risk of being assigned a BKR code and that of course cannot be the intention. If that is the case, then it is often necessary to know how to borrow money without BKR. We would like to tell you exactly how you can work as a freelancer!
Borrow money without BKR as a self-employed person without staff
As a self-employed person without staff, it is often not so easy to take out a loan, let alone when you have a code at the BKR. Borrowing money without BKR for freelancers is therefore a question that is often asked within the financial world. Fortunately, there are several good solutions for this. As a self-employed person without personnel, you can always choose to use an alternative financial institution that is not affiliated with the BKR. Consequently, they are also not obliged to carry out a check on the credits they provide. Please note that the fact that no review is carried out at such companies does not mean that you will not have to give guarantees.
Quickly and easily borrow money without BKR for self-employed
We now know that it is possible to borrow money without BKR for ZZP, but what if you need a little extra financial resources quickly? In that case you still have various options. For example, you can first choose to borrow a little bit of money through the mini credit. Then you can borrow an amount up to a thousand USD and without any BKR check being performed for it. If you need more money quickly, a private loan can still be the solution. In that case, a loan is concluded between two friendly parties, possibly by means of a private agreement. This way you can also borrow money without a BKR without a problem as a freelancer.
Borrow money without annual figures
When you as a company go to a bank to borrow money, borrowing money without annual figures is the first thing you will undoubtedly think of. Unfortunately, that is anything but simple in practice. Banks nowadays are in any case not eager to provide companies with credit, let alone when they cannot submit annual figures. If you do not have this available, you do not have to panic immediately. If you, as a company, can provide sufficient financial guarantees for the loan applied for, it can still be approved. A personal guarantee for the business loan can then also offer an interesting solution.
Borrow business money without annual figures
When a company goes to the bank to take out a loan, the first question that is presented to it naturally relates to the annual figures. When a company wants to take out a large loan with a term of several years, it is only logical that the bank is provided with a certain future perspective. That future perspective is always based on figures from the past and therefore also partly on the growth that the company in question has experienced. It goes without saying that taking out a large loan is not a good idea if the company in question is already making a loss for several consecutive years. Borrowing business money without annual figures is particularly difficult in that regard, certainly because banks are becoming stricter when it comes to providing business loans.
Borrow little money without annual figures
Not only individuals, but also companies may need a little extra capital at a certain moment. This does not have to be a large amount and there is a good chance that the company in question will be able to repay the borrowed amount in the very short term, but is that possible? Earlier on this page we indicated that borrowing money without annual figures is not exactly easy for a company. That is also true, but the mini loan may change that in part. This small form of credit makes it possible to borrow an amount of up to a thousand USD for a maximum period of 30 days and is not only available for private individuals, but also for companies. Borrowing little money without annual figures by making use of the possibilities of the mini loan is therefore certainly possible.