{"id":16213,"date":"2023-12-07T12:48:04","date_gmt":"2023-12-07T10:48:04","guid":{"rendered":"https:\/\/lica.ch\/?p=16213"},"modified":"2025-12-10T17:13:57","modified_gmt":"2025-12-10T16:13:57","slug":"get-a-loan-as-a-self-employed-person","status":"publish","type":"post","link":"https:\/\/www.lica.ch\/en\/credit-independant\/comment-obtenir-un-credit-en-tant-qu-independant\/","title":{"rendered":"How to get a loan as a self-employed person?"},"content":{"rendered":"

Are you self-employed and need to finance a project? When it comes to financing solutions, there are two ways to obtain credit as a self-employed person! You can obtain a personal loan<\/a> or apply for an SME loan in your company's name. While financial organizations lend money easily to salaried employees, banks are more careful with self-employed people. In this new article, Lica explains how to proceed and helps you to obtain financing.<\/p>\n\n\n\n

Self-employed status can scare off lenders<\/h2>\n\n\n\n

It's a well-known fact that self-employed borrowers find it harder to obtain credit than well-established employees. In fact, to take out a personal loan, you have to convince the lender of your creditworthiness. This means proving that you are able to pay the monthly instalments on time. To do this, the lender will draw up what's known as a \"credit check\". solvency<\/a>.<\/p>\n\n\n\n

The problem is that determining a self-employed person's ability to repay a loan is not always easy. In fact, a person's borrowing capacity is linked to their monthly income. Unfortunately, when a self-employed person borrows money from the bank, he or she doesn't always have the necessary supporting documents, such as salary slips.<\/p>\n\n\n\n

His financial situation is often conditioned by the assignments he obtains. As a result, debt capacity fluctuates constantly. This explains the main difficulty in obtaining credit as a freelancer. Unfortunately, financial organizations are wary of fluctuating financial situations.<\/p>\n\n\n\n

The solution for obtaining credit as a self-employed worker<\/h2>\n\n\n\n

Rest assured, despite the difficulty of the task, a self-employed person can still obtain credit. This is precisely where the assistance of a credit broker comes into its own! As you can see, obtaining credit will depend mainly on the creditworthiness of the lending institutions. So there's no point in submitting an application to a bank if it's not beyond reproach.<\/p>\n\n\n\n

Preparing your application then becomes a time-consuming task. What's more, it's best to know how to put together the right documents and submit them favorably to the various organizations.<\/p>\n\n\n\n

Lica assists you in this process, free of charge, and prepares the best credit application for you. But that's not all! In addition to preparation, as an independent broker<\/a>, We'll make sure you get the best terms on the market.<\/p>\n\n\n\n

It's also worth noting that a specialized credit broker can also advise you on the right type of financing. It's not always easy to compare offers and decide whether to take out credit in the company's name or in your own. <\/p>\n\n\n\n

What documents do I need to obtain credit as a self-employed worker?<\/h2>\n\n\n\n

The documents required to obtain credit can change. This depends on your situation and whether you are applying as an individual or as a company. Here is a brief summary of the documents required to obtain credit as a self-employed person.<\/p>\n\n\n\n

List of documents required for financing in your name :<\/p>\n\n\n\n