VAYVND

A empresa de microcrédito VAYVND emite microempréstimos a particulares em linha e nas agências.

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FinaGuru

A sociedade de microcrédito FinaGuru concede empréstimos em linha a curto e longo prazo a particulares. A organização não tem uma rede de agências; opera remotamente através da Internet.

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Crédito

Creditnice é uma empresa de microfinanças em atividade desde 2013. É especializada em empréstimos com processamento online, incluindo para pagar compras a parceiros; também emite cartões de crédito virtuais e disponibiliza linhas de crédito.

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Creditify

Creditify é um serviço de emissão de empréstimos urgentes em linha para um cartão bancário. Pode contrair um empréstimo sobre um cartão desta empresa para diversos fins. Não são necessários comprovativos de rendimentos nem fiadores.

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Loan approval conditions

To take out a business loan in 2024, you must meet certain requirements. The list may vary depending on the specific program and bank. Approval can be obtained subject to several conditions:

Mutuário

Registered at least three months ago
Conducting actual break-even activities for at least 6-18 months
The activity belongs to the segment of small and medium-sized businesses, which is confirmed by the amount of annual revenue (in accordance with the lender’s regulations)
The activity is legal, license and permit (if required)

Positive credit history

Liquid collateral or reliable guarantor (if specified in the program terms or upon request)
Availability of necessary documents, including financial statements
Carrying out settlements on a bank account for at least 3-6 months
Categories of clients who will be able to take advantage of the bank’s offer:

• Legal entities conducting commercial activities (LLC, JSC, partnership, production cooperative), except for credit organizations
• IP
• Persons who are engaged in private practice (notaries, lawyers, private detectives, doctors, appraisers, patent attorneys, arbitration managers)
• Owners of legal entities and individual entrepreneurs with a share of at least 25-50%, receiving income from the company’s activities
• The conditions are designed for small and medium-sized businesses; large corporate clients are most often credited on an individual basis.

For what purposes are business loans issued?

• Replenishment of working capital, for example, purchase of raw materials (current)
• Covering current expenses, for example, paying salaries to employees (universal)
• Participation in a tender, for example, opening an application in a competition (tender or contract)
• Various urgent needs, for example, payment of utilities (express loan)
• Acquisition of large assets – real estate, equipment, transport, machinery (investment)
• Liquidation of cash gaps (overdraft)
• Repayment of debts from other banks (refinancing)