Best Place To Get A Small Business Loan -Ventil-Taximagazin.Com / Sat, 15 Jun 2019 16:01:07 +0000 en-US hourly 1 Best business loans -Contact us if you need the best loan for small business /best-business-loans-contact-us-if-you-need-the-best-loan-for-small-business/ Sat, 15 Jun 2019 16:01:07 +0000 Contact us if you need the best loan for small business

Loans for businesses is something that is very important to do for the continuation of the business that you are developing. The best loan for small business from will really help you.

However, most of you will borrow beyond the need to anticipate a lack of capital back in the future. Is that right? Of course, you need to review this further. There are several ways to calculate the amount of loan capital that you really need. The following are tips that Billy Pilgrim will give you:

1 Determine the planned time
It would be better if you have arranged the times to reach your target in business. This will greatly help you to achieve a long-term strategy and help you to prepare extra funds at certain times. You can also find out when approximately new projects will be arranged and the capital needed for that. The point is you can make a budget for that.

2 Determine the destination
When you make a financial plan, do you know the purpose of the money to be spent? Of course, it would be better if you set goals as detailed as possible so that you can be more focused on goals and conversions in the form of a budget. This will really help you to strategize about what should be done in the near and long term.

3 Calculate your financial condition again
This section is a part that requires extreme precision and perseverance. You must include all the things needed to achieve a business goal and of course the deadline to be achieved for that matter must also not be missed. Your condition or financial needs will be controlled by the capital needed. These capital include working capital, fixed capital, and human capital.

Working capital is a one-time capital that is generally used in the production process. This type of capital requires careful preparation and good management because of its endless nature. Unlike the case with working capital, which generally is of high value but can be used continuously. Examples are sewing machines, tractors, and other long-lived equipment. As long as your business continues to operate, then this capital will continue to accompany it.

The last is human capital which also needs to be recorded as detailed as possible. Expenditures for human capital include salaries and budgets for the recruitment of more human resources. You need to take notes and make the cost range. When you have obtained the capital needed, whether, through a bank or online money loan, you should re-evaluate your calculations. the more detailed you make calculations regarding capital use, the better the results will be. Don’t forget to maintain a strong vision in terms of increasing your sales over time. Stay on the right track by continuously evaluating the required capital records.

Payday loans online direct lender: are they really advantageous? /payday-loans-online-direct-lender-are-they-really-advantageous/ Wed, 16 Jan 2019 10:37:03 +0000 Image result for flexible loansWhy ask for a flexible loan ? What are the advantages ? Flexible loans are convenient and convenient loans, which allow the customer to “skip” the payment of one or more installments in times of economic difficulty (loss of the job, redundancy fund, etc.). We find out in this guide if they are really advantageous and what are the strengths of flexible loans.

Are they really cheap?

The flexible loans are personal loans that allow you to change the amount of monthly payments or to skip payment of the installment (only the principal amount) and to change the amortization schedule, without being imposed penalties.

In a climate of economic uncertainty and employment crisis, such as the one we are experiencing, flexible loans are a “smart” solution and absolutely advantageous for every individual who may find themselves in a situation of economic difficulty, and can not fulfill the contractual obligation.

This explains why the number of flexible loans grows year by year, and are increasingly popular with young people eager to buy a car, carry out a life project or finance an expense.

In addition, any subscriber of the flexible loan contract can spend the amount obtained without having to present any expense documentation.

Apply for a payday loan online direct lender: what are the requirements and documents?

Image result for flexible loansTo clarify the advantages deriving from the signing of a flexible loan, to request one, it is necessary to be in possession of the requisites required by the law and to present the tax documentation , similarly to what happens when any other personal loan is required.

To request a payday loan online direct lender via Purple Payday you need to be:

  • 18 age,
  • residing on the national territory,
  • have a solvency capacity, therefore, a debt-to-pay ratio that is sustainable and does not entail any financial “weight”,
  • do not appear in the register of bad payers.

In order for the request for a flexible loan to be accepted, it is necessary to present the tax documentation that certifies the working and income status of the same (paycheck and Cud for employees, the Unico model for self-employed workers and the Obis model for INPS pensioners).

Loan guarantees from the Usury Prevention Fund /loan-guarantees-from-the-usury-prevention-fund/ Tue, 08 Jan 2019 10:46:18 +0000 Image result for loan guaranteeThe Ministry of Economy and Finance has allocated a good 27 million euro to facilitate loans to households and businesses, especially those resident in the territories affected by the earthquakes in recent years. The measure will allow the possibility of access to loans from the banking system to be encouraged thanks to the State guarantee, avoiding becoming a prey for usurers.

The measure was announced by the MEF with the Press Release n. 215 of 29/12/2017 and the amount was disbursed by the Prevention Fund, established by Law 108/1996 by the Department of the Treasury, to Condifi (about 70 percent of the total) and to Associations / Foundations of the Third Sector (the remaining 30 percent). Confidi has set up a Risk Fund to support companies in financial difficulty while creating agreements with some banks that are sensitive to the problem. The complete list of beneficiaries has been published on the page of the Beneficiaries of the Treasury Department Wear Funds .

A measure like this proves, also for 2018, a real opportunity. In particular, it succeeds in favoring the granting of loans while preventing financial exclusion to all “weak subjects” exposed to the risk of usury. The amount of the usury prevention fund is different from year to year, as it is fueled by administrative anti-money laundering and currency sanctions. The MEF, since 1998, has provided over 600 million euro for the granting of guarantees for over 80 thousand loans, which amount to a total amount of almost 2 billion euro.

As already happened in the last years, the contributions have been divided considering the combinations of indicators that detect the wear risk index of the specific territory and the efficiency of the capacity to use the funds. An additional contribution has been recognized to all the bodies operating in the areas affected by the earthquakes in 2016 and 2017.


Mortgage loan to complete home construction: how does it work? /mortgage-loan-to-complete-home-construction-how-does-it-work/ Tue, 08 Jan 2019 10:45:12 +0000 Image result for mortgage loanWhat is a building loan to complete the construction of a house ? This is a medium-long term loan made available by the majority of credit intermediaries, and is intended for all those who do not have the necessary liquidity to complete the construction of their homes. How it works and what are the requirements for starting a mortgage to cover the costs of completing a property.

Mortgage loan for building a building: how does it work?

We know how to build a property always involves the need to sustain huge expenses and costs, and we do not always have the liquidity available to deal with it.

For this reason, turning on a mortgage to build your own home is the best credit solution to realize your dream of going to live under one roof.

This type of mortgage allows you to get up to 80% of the value of the property once the work is completed, and is an excellent solution for those who want to build an independent house, perhaps located in the countryside or away from traffic and chaos.

It can be requested both to complete the construction of a house for residential use or for a property for holiday use , as a second home.

Feasibility ignition mortgage completion completion: necessary requirements

Image result for mortgage loanLike any other type of loan, it is always necessary to evaluate ad hoc between various quotes and commercial offers available.

To light a mortgage to complete the construction of a property, the lender must assess the financial situation of the applicant.

For this, it is necessary to present all the income documentation and that relating to the purchase of the land and the subsequent phase of construction of the property.

Among the necessary requirements to be able to light a mortgage for completion of construction there is the need to be owners of a building under construction and creditworthiness to fulfill the mortgage payments.

For the construction of the building the bank will proceed to provide the necessary capital in several tranches according to the ” Progress State of Works ” ( SAL ).

The disbursement of each new tranche will take place only if the checks carried out by an expert will have a positive outcome.

For more information, contact an Bank Consultant who will be happy to find the solution that best suits your needs.

Replacement and liquidity loan: how does it work? /replacement-and-liquidity-loan-how-does-it-work/ Tue, 08 Jan 2019 10:43:49 +0000 Have you ever heard of the mortgage for substitution and liquidity ? If you already have a mortgage to buy the house, but you are dissatisfied and need further liquidity, you can ask your credit counselor to trust the possibility of extinguishing the old mortgage and turn it on a new one, at more advantageous economic conditions for you. Find out in this guide how the substitution loan + liquidity works and what are the possible benefits to be exploited for your benefit.

How does the mutual replacement + liquidity work?

Thanks to the Bersani law of 2007, it is permissible to transfer a mortgage, closing the loan with the lender and accessing a new loan at the most convenient credit institution.

With the mortgage substitution, the borrower has the possibility to request additional liquidity to face the costs of restructuring or other needs.

The mutual substitution and liquidity grants the borrower up to 80% of the value of the property and usually has a maximum duration of 30 years . The borrower has the option to opt:

  • for the fixed rate , to be sure that the installments will remain constant for the entire duration of the amortization plan;
  • for the variable rate, to take advantage of the advantages of financial ratios;
  • for the variable rate with CAP, which sets a ceiling on interest to prevent the installment amount from increasing too much.

  Benefits Mutual replacement + liquidity

The replacement provides for the early repayment of the loan in progress at the lender and the signing of a new loan at more advantageous conditions for the borrower at a new bank.

Replacing the mortgage can be an interesting solution to distribute the repayment of installments over a longer period of time, in this way you can lower the amount, even if it can lead to an increase in expenditure, sometimes even exaggerated.

Even if the amount lent by the lender exceeds that of the residual debt, the tax benefits to deduct the interest are not affected and are not lost.

Regarding the insurance policy premium on the property, it is included in the total cost of the loan.

Why choose flexible loans /why-choose-flexible-loans/ Tue, 08 Jan 2019 10:42:33 +0000 Image result for flexible loanDue to the economic crisis and the difficulty in finding a stable employment, access to the credit market has become a problem for most Italians. The official statistics confirm that ” the share of consumers requesting a loan is increasingly growing and […] those under 40 are among the main subjects of a loan” . Why choose a flexible loan ? In this guide we find out all the advantages deriving from the subscription of the loans offered by Bank.

Flexible loan: what are the characteristics of the product?

One of the credit products most requested by customers is the flexible loan : this is a “dynamic” loan designed to adapt to all consumer needs. This credit product falls into the category of personal loans and the beneficiary can spend the amount obtained without having to present any expense documentation.

How to apply for a flexible loan? The application for a loan can be submitted online, via the official website of the bank or financial institution. The documentation necessary to allow the consultant to evaluate the creditworthiness of the individual subject must be presented in an attachment. In order to protect the flexible loan, consumers can sign an insurance policy (optional) which aims to protect the repayment capacity of the debtor.

Flexible loans of Bank: what are the advantages?

Thanks to an exclusive agreement signed with Agos , the flexible loans provided by Bank allow credit consumers to request all the sums of money needed to make their purchases and to support small and large expenses. The Auxilia consultants provide customers with a wide range of flexible loans that allow them to benefit from competitive interest rates.

Subscribers can:

  • return the sum obtained in complete tranquility,
  • change the repayment plan according to your needs,
  • manage the monthly payment in a free way,
  • skip an installment and postpone the repayment.


Small loans to get to the end of the month /small-loans-to-get-to-the-end-of-the-month/ Tue, 08 Jan 2019 10:40:30 +0000 Image result for small loansThe salaries of the Italians are no longer enough to get to the end of the month: almost 95% of families in Italy are in a difficult economic situation; a fair percentage of households make use of their savings, and an increasing number of Italians admit to arrive at the 27th of the month by requesting small personal loans provided by the financial companies.

CRIF barometer September 2018: Italian families loans requested

Times of economic crisis? Italian families increasingly burdened by taxes and debts! it is an alarm request for small loans to get to the bottom of the month.

The CRIF Barometer analyzes questions related to loan applications by families – September 2018 has photographed the following scenario.

The trend in requests for new loans increased by + 9.5% compared to the same period of 2017, and since the beginning of the current year (January) at the end of the third quarter of 2018, the variation recorded was +4.6 % compared to the same period of 2017.

As regards the average amount requested by Italian households, it is € 9,265 and the percentage change is positive by 2.3 compared to the month of September 2017.

How does the personal loan work for liquidity needs?

Unlike the mortgage, the personal loan does not provide for a mortgage guarantee: the loan amount is generally repaid according to an amortization plan in constant installments and at a fixed interest rate.

As well as to finance the purchase of a consumer good and to renovate one’s own home, the personal loan can also be requested to have cash deposits available .

To present the petition, it is necessary to be Italian or foreign citizens (with a regular residence permit) between the ages of 18 and 70 and be resident in Italy.

As for the amount that can be requested, it starts from a minimum of € 1,500 and can reach a maximum disbursement of € 100,000 with a duration of 12 months to 120 months.

For more information, and to better study all possible proposals, you can contact an Bank Consultant.

Non-repayable loans for SMEs: when to apply for them? /non-repayable-loans-for-smes-when-to-apply-for-them/ Tue, 08 Jan 2019 10:38:45 +0000 Non- repayable loans for SMEs are subsidized loans granted without any obligation to repay principal or interest. In the event that an aspiring entrepreneur wants to start a business, he can evaluate the possibility of requesting a certain sum of money without having to return.

This is a form of loan suitable for certain categories of highly risky subjects (think, for example, the unemployed, women, the generation of NEETs, etc.).

Let’s find out in this guide all the details about Loans: how do they work and when to request them?

  When to apply for Loans for SMEs?

As already mentioned in the introduction, the Loans for lost funds for SMEs are nothing more than loans to start uppers or to all those who, in pursuit of their own entrepreneurial dream, decide to start a company in any Italy.

Often, they fall into this category: very young, women and unemployed who decide to invest capital in an economic activity in any sector (agriculture, manufacturing, services).

It is easy to understand that the Loans for SMEs are a credit product provided by the European Union, the State, the Region or local authorities, suitable to favor employment and entrepreneurial autonomy.

Loss-free financing for SMEs has a twofold value : helping start-ups or growth of companies run by young people and increasing employment.

  Loans for SMEs: What are the necessary requirements?

To submit an application for a non-repayable loan for SMEs, you must have the following requirements:

  • be of age,
  • be resident in the national territory,
  • being unemployed or young NEETs,
  • be in possession of the qualification or technical skills related to the objective of the call for proposals (to be consulted in the detail sheet),
  • ability to create a strategic marketing project for the insertion of one’s business activity,
  • company form (optional).

  Loans Fund: conclusions

In fact, ” all that glitters is not all gold “, it is not always so simple to take advantage of these loans provided by funds made available by the European Commission.

The bureaucracy, the time to access this type of loans and the limited availability of funds are the critical issues that need to be carefully assessed.

For this reason, a very valid alternative is the possibility of applying for a loan for SMEs to Auxilia Finance. If you want to receive more information, contact an Auxilia Consultant, he will be happy to help you realize your entrepreneurial dream.


Loans for young people, here are the possibilities /loans-for-young-people-here-are-the-possibilities/ Tue, 08 Jan 2019 10:35:17 +0000 Image result for loans for young peopleIf you are young and want to make a dream and apply for a loan to buy a car, to finance your education and / or professional training or for any other activity, discover the solutions proposed by Bank that best suit your personal needs.

Personal loans: how do they work?

More and more banks and financial companies are able to provide loans or solutions designed for credit customers aged between 18 and 70 years .

Young people notoriously represent for the banking channel a rather risky class of consumers : employment conditions and the labor market are critical and, furthermore, solid income guarantees are lacking such as to consider them as reliable subjects. However, to meet the requests advanced by the youngest, Bank offers several credit solutions that are really interesting:

  • Image result for loans for young peoplethe classic personal loan , which can be requested for the purchase of any consumer goods, for renovating a home or just for liquidity. In the personal loan, the installments are constant and the repayment has a fixed interest rate. Thanks to the partnerships stipulated with the most important banking institutions, Bank is able to offer multiple solutions from 1500 to 100 thousand euros, with a duration of 12 to 120 months.
  • the flexible loan , made available thanks to a special agreement with Agos . With this type of loan, which is particularly convenient, you can skip or postpone an installment or change the amount to be paid or the duration of the loan;
  • funding proposals for SMEs , which can help young people wishing to start or grow new businesses. Thanks to the intermediaries of Bank consultants, mortgages or leases can be obtained at advantageous and above all transparent conditions. With this proposal, young entrepreneurs have the opportunity to be able to develop their business by opening it to new market prospects.

Therefore, proposals are not lacking. Contact a consultant of Bank today and find out the conditions that best suit your needs.

Loan with guarantee 2019: how does it work? /loan-with-guarantee-2019-how-does-it-work/ Tue, 08 Jan 2019 10:33:19 +0000 Are you looking for a loan with guarantee ? No fear! With the arrival of 2019, by now, you can ask for your loan with guarantee.

But, what are the main guarantees that will be required? How does the loan with a 2019 guarantee work? Let’s find out in this dedicated guide.

Loan with guarantee 2019: what is it?

The loan with guarantee is a loan whose main guarantee is represented by the paycheck (salary) or by the pension or, in any case, by the monetary “income” that you collect each month.

It must be emphasized that every lender assesses your creditworthiness or your ability to properly repay the obligation taken.

After all, thanks to your monetary income, you can guarantee the correct and timely fulfillment of the installments of the loan.

But, it is not always possible to guarantee the loan with the salary or the pension: in these cases, there is however the need to assure the creditor body the ability to pay the installments correctly.

How? Presenting an alternative guarantee . What is it?

Alternative guarantees: what are they?

If you are a person who does not receive a paycheck or a pension, it is very likely that the creditor can ask you for an alternative to the income guarantee .

Loans with guarantee 2019 check the loan with guaranty : the subject is a third party guarantor or guarantor (for example, a parent, a relative, etc.), which undertakes with its assets to repay the loan contracted by you, in case you are not able to fulfill the installments.

The guarantee of the guarantor provides only the moral and financial commitment by the guarantor that guarantees for you. In any case, the same guarantor has action for revenge against you.

Another form of loan with collateral is the loan with collateral securities (stocks, bonds, mutual funds and other financial instruments, etc.).

If you do not have a job, but you hold assets in your assets, the bank may propose to grant you a loan by securing the deposit of securities you will bind to meet the obligation contracted, and will not be available until the loan is settled.

If you want to receive further information on the loan with guarantee 2019, contact an Bank Consultant who will be able to help you find the right product for you.