{"id":24004,"date":"2025-03-12T21:39:40","date_gmt":"2025-03-12T19:39:40","guid":{"rendered":"https:\/\/lica.ch\/?p=24004"},"modified":"2025-11-16T12:13:23","modified_gmt":"2025-11-16T10:13:23","slug":"get-a-personal-loan-to-start-as-self-employed","status":"publish","type":"post","link":"https:\/\/www.lica.ch\/en\/credit-independant\/comment-obtenir-un-pret-prive-pour-me-lancer-en-tant-qu-independant\/","title":{"rendered":"How to get a personal loan to start as a self-employed worker?"},"content":{"rendered":"<p>The dream of becoming your own boss is shared by many people. However, the reality is that it can be difficult to find the funds needed to start a business. Fortunately, there are financing options for aspiring self-employed people! A private loan can be an ideal solution for obtaining the funds needed to <a href=\"https:\/\/www.lica.ch\/en\/credit-pme\/business-loan-to-start-your-company\/\" target=\"_blank\" rel=\"noreferrer noopener\">start your own business<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"obtenir-un-pret-priv\u00e9-pour-me-lancer-en-tant-qu-ind\u00e9pendant1\">Why is it important to obtain a private loan to get started as a freelancer?<\/h2>\n\n\n\n<p>It's important to have sufficient funds to <a href=\"https:\/\/www.kmu.admin.ch\/kmu\/fr\/home\/savoir-pratique\/creation-pme\/creation-entreprise\/premiers-pas\/devenir-independant-en-suisse-mode-d-emploi.html\" target=\"_blank\" rel=\"noreferrer noopener\">start as a freelancer<\/a>. This will enable you to cover initial costs such as business set-up fees, advertising costs, rental costs and general start-up costs. If you don't have sufficient funds, you could quickly find yourself <a href=\"https:\/\/www.lica.ch\/en\/credit-pme\/get-cash-flow-with-a-business-loan\/\" target=\"_blank\" rel=\"noreferrer noopener\">cash-strapped<\/a> from the outset. This could hamper your ability to develop your business in line with your objectives. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"obtenir-un-pret-priv\u00e9-pour-me-lancer-en-tant-qu-ind\u00e9pendant2\">Apply before you become independent!<\/h2>\n\n\n\n<p>There are several reasons why it's always a good idea to apply for a private loan before becoming self-employed. First of all, banks are often more inclined to <a href=\"https:\/\/www.lica.ch\/en\/demande-de-credit-prive-en-ligne\/\" target=\"_blank\" rel=\"noreferrer noopener\">grant a loan<\/a> to someone who still has a stable salaried income. Secondly, if you wait until you're self-employed to apply for a loan, you may find yourself with no income for the first few months. This will make it <a href=\"https:\/\/www.lica.ch\/en\/personal-loan-2\/main-reasons-for-a-loan-refusal\/\" target=\"_blank\" rel=\"noreferrer noopener\">impossible to obtain a loan<\/a>.<\/p>\n\n\n\n<p>In fact, once you've obtained self-employed status, the private loan solution will only be available after you've been in business for at least 2 years. This is provided that you are in a position to <a href=\"https:\/\/www.lica.ch\/en\/personal-loan-2\/calculate-maximum-loan-amount\/\" target=\"_blank\" rel=\"noreferrer noopener\">justify a sufficiently high income<\/a>. This is often not the case when starting out as a self-employed person. What's more, it's important to know that banks will take into account your income as indicated in your tax return, and not your turnover. This can significantly reduce your borrowing capacity.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"obtenir-un-pret-priv\u00e9-pour-me-lancer-en-tant-qu-ind\u00e9pendant3\">Getting a private loan is a kind of preventive guarantee<\/h2>\n\n\n\n<p>It is important to know that <a href=\"https:\/\/www.fedlex.admin.ch\/eli\/cc\/2002\/593\/fr\" target=\"_blank\" rel=\"noreferrer noopener\">consumer credit law<\/a> (LCC), borrowers have the right to prepay a consumer credit at any time. Whether in part or in full, they do not have to pay any early repayment charges. This means that if a borrower wishes to repay his or her <a href=\"https:\/\/www.lica.ch\/en\/demande-de-credit-prive-en-ligne\/\" target=\"_blank\" rel=\"noreferrer noopener\">personal loan<\/a> before the end of the period stipulated in the contract, he will not be subject to any charges or penalties for this early repayment.<\/p>\n\n\n\n<p>This means that once you have been able to obtain a private loan, you will be free to <a href=\"https:\/\/www.lica.ch\/en\/personal-loan-2\/how-a-personal-loan-works\/\" target=\"_blank\" rel=\"noreferrer noopener\">repay early<\/a> without penalty. This means you can start your self-employed business with sufficient liquid assets to cover any unforeseen circumstances. If everything goes according to plan, you'll be able to repay your private loan at any time!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"obtenir-un-pret-priv\u00e9-pour-me-lancer-en-tant-qu-ind\u00e9pendant4\">How do you prepare for an independence project?<\/h2>\n\n\n\n<p>Before starting out as a freelancer, it's important to prepare yourself accordingly. This includes <a href=\"https:\/\/www.kmu.admin.ch\/kmu\/fr\/home\/savoir-pratique\/creation-pme\/creation-entreprise\/premiers-pas\/demarrage-bien-planifie\/business-plan\/modeles-exemples-rediger-business-plan.html\" target=\"_blank\" rel=\"noreferrer noopener\">writing a business plan<\/a> and market research to determine the viability of your business. Finding financing to cover initial costs is also very important. Make sure you have sufficient savings to support you during the first few months of your self-employed activity. It's also important to understand the tax and legal obligations associated with self-employment in Switzerland.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"obtenir-un-pret-priv\u00e9-pour-me-lancer-en-tant-qu-ind\u00e9pendant5\">How can Lica help you obtain a private loan to set up your own business?<\/h2>\n\n\n\n<p>At<a href=\"https:\/\/www.lica.ch\/en\/\" target=\"_blank\" rel=\"noreferrer noopener\"> Lica<\/a>, We understand the challenges that aspiring self-employed people face in securing the funds they need to get their business off the ground. That's why we offer flexible financing solutions for people who want to <a href=\"https:\/\/www.lica.ch\/en\/credit-pme\/business-loan-to-start-your-company\/\" target=\"_blank\" rel=\"noreferrer noopener\">launch your own business<\/a>. We work with you to assess your financing needs and help you find the private loan solution that best suits your situation.<\/p>\n\n\n\n<p>Once your activities are underway, our specialists in <a href=\"https:\/\/www.lica.ch\/en\/demande-de-credit-pme-en-ligne\/\" target=\"_blank\" rel=\"noreferrer noopener\">business credit<\/a> are also there to advise you and find long-term financing solutions for your business development.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"obtenir-un-pret-priv\u00e9-pour-me-lancer-en-tant-qu-ind\u00e9pendant6\">Examples of people who obtained a private loan before becoming self-employed<\/h2>\n\n\n\n<p>There are many examples of people who obtained financing before becoming self-employed. They were able to start up and develop their businesses successfully. Here are a few examples of people who have <a href=\"https:\/\/www.lica.ch\/en\/demande-de-credit-prive-en-ligne\/\" target=\"_blank\" rel=\"noreferrer noopener\">obtained financing<\/a> before becoming independent :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>A former chef who obtained a private loan to start his own restaurant<\/strong>. Thanks to this funding, he was able to purchase the necessary kitchen equipment, hire staff and develop an attractive menu. It took longer than expected to get his business up and running. With sufficient reserves, he was able to meet his financial obligations.<\/li>\n\n\n\n<li><strong>A former fashion designer who obtained a private loan to launch her own clothing brand<\/strong>. This funding enabled her to produce her first collection, rent retail space and take part in fashion shows to promote her brand.<\/li>\n\n\n\n<li><strong>A former software developer who obtained a <a href=\"https:\/\/www.lica.ch\/en\/demande-de-credit-prive-en-ligne\/\" target=\"_blank\" rel=\"noreferrer noopener\">personal loan<\/a> to start your own software development company<\/strong>. This funding enabled the company to hire a team of developers, rent workspace and develop quality products for its customers. <a href=\"https:\/\/www.lica.ch\/en\/\" target=\"_blank\" rel=\"noreferrer noopener\">Lica<\/a> was there to get him a private loan quickly. What's more, he repaid his financing much faster than expected, with no penalties.<\/li>\n<\/ol>\n\n\n\n<p>These examples show that, with the right tools and advice, it's possible to obtain financing. This makes it easier to become self-employed and realize your business dreams. So don't wait any longer, <a href=\"https:\/\/www.lica.ch\/en\/demande-de-credit-prive-en-ligne\/\" target=\"_blank\" rel=\"noreferrer noopener\">apply for a loan<\/a> today and take the first step towards becoming your own boss.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"obtenir-un-pret-priv\u00e9-pour-me-lancer-en-tant-qu-ind\u00e9pendant7\">Our conclusion on how to obtain a private loan for self-employment<\/h2>\n\n\n\n<p>In conclusion, obtaining a private loan can be an ideal way for aspiring self-employed people to get started and realize their business dreams. At Lica, we're here to help people get the funds they need to start their business. Don't wait until you're self-employed to apply for a loan! <a href=\"https:\/\/www.lica.ch\/en\/nous-contacter\/\" target=\"_blank\" rel=\"noreferrer noopener\">Contact us<\/a> today to find out more about our financing solutions for the future self-employed.<\/p>\n\n\n\n<p>Finally, it's important to note that when it comes to applying for a loan, it's always best to prepare accordingly and to fully understand <a href=\"https:\/\/www.lica.ch\/en\/personal-loan-2\/consumer-credit-law-what-you-need-to-know\/\" target=\"_blank\" rel=\"noreferrer noopener\">loan repayment obligations<\/a>. Make sure you have a reliable source of income to repay your loan. Also, take the time to understand the different types of loans available and the eligibility criteria for obtaining them.<\/p>\n\n\n\n<p>Do you have any questions before applying for a private credit? Our advisors are available 7 days a week to answer your questions directly on <a href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjQ1MTYiLCJ0b2dnbGUiOmZhbHNlfQ%3D%3D\" target=\"_blank\" rel=\"noreferrer noopener\">WhatsApp<\/a>. Ask us for more information and we'll be happy to help!<\/p>","protected":false},"excerpt":{"rendered":"<p>Le r\u00eave de devenir son propre patron est partag\u00e9 par de nombreuses personnes. Cependant, mais la r\u00e9alit\u00e9 est qu&rsquo;il peut \u00eatre difficile de trouver les fonds n\u00e9cessaires pour d\u00e9marrer une entreprise. Heureusement, il existe des options de financement pour les futurs ind\u00e9pendants ! Un pr\u00eat priv\u00e9 peut \u00eatre une solution id\u00e9ale pour obtenir les fonds [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":27758,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[33],"tags":[],"class_list":["post-24004","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-independant"],"_yoast_wpseo_focuskw":"Obtenir un pr\u00eat priv\u00e9","_yoast_wpseo_title":"Obtenir un pr\u00eat priv\u00e9 pour se lancer en tant qu'ind\u00e9pendant","_yoast_wpseo_metadesc":"Obtenir un pr\u00eat priv\u00e9 pour se lancer en tant qu'ind\u00e9pendant. Suivez notre guide pour obtenir votre cr\u00e9dit priv\u00e9 et d\u00e9buter votre r\u00eave !","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Obtenir un pr\u00eat priv\u00e9 pour se lancer en tant qu&#039;ind\u00e9pendant<\/title>\n<meta name=\"description\" content=\"Obtenir un pr\u00eat priv\u00e9 pour se lancer en tant qu&#039;ind\u00e9pendant. 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