Swiss credit for self-employed without Credit Bureau

The self-employed do not have a boss – this is an advantage, but it also means that they have to work independently for orders. They only make money if they receive corresponding customer orders. Unlike employees, there is no payroll at the end of the month, regardless of whether a lot or little has been worked. Despite this hardship, many people are fulfilling a dream with their independence.

If the necessary equity capital is lacking and there are problems with orders from customers, the self-employed have a particularly difficult time. Because even if a loan is applied for, the self-employed are overshadowed by the employees. Banks are fundamentally cautious when it comes to lending to self-employed people because they are unable to demonstrate regular attachable income. Unfortunately, foreign banks also see the risk, so that, for example, the Swiss loan for self-employed people without Credit Bureau is not even offered.

We have researched accordingly, explored why what is the way it is. With our article we give you information about the Swiss loan for self-employed without Credit Bureau, which does not exist in this form, and show self-employed people what they can do if a Swiss loan for self-employed without Credit Bureau is also out of the question.

Why self-employed people get credit so hard

Why self-employed people get credit so hard

If the self-employed have often unsuccessfully applied for a loan from German banks, they have great hope in the Swiss loan for self-employed without Credit Bureau, which many credit intermediaries apply online and in the print media. If you take a closer look at the offer and question the whole thing, it turns out that the advertising is simply wrong. There is really no special Swiss loan for self-employed persons without Credit Bureau.

The Swiss loan without Credit Bureau is a loan offer that is aimed exclusively at employees. Swiss banks generally refrain from providing Credit Bureau with credit checks. However, they attach great importance to the fact that the loan applicants have a permanent position with regular and above all attachable income. For known reasons, the self-employed are not able to do this. The income of the self-employed is subject to large fluctuations. It is not regular, but always dependent on the order situation.

There is no Swiss loan for the self-employed without Credit Bureau

There is no Swiss loan for the self-employed without Credit Bureau

The Swiss banks have no access to the Credit Bureau information provided by German loan seekers. They only grant their loans to customers who can demonstrate a seizable income from a permanent position and who are no longer in the trial period.

Whole groups of people such as self-employed and freelancers, unemployed and Hartz IV recipients, pensioners and housewives as well as trainees and students are literally excluded from lending. They are not the target group and should therefore not feel addressed by advertising. This is not clear from the advertisement for Swiss credit for self-employed people without Credit Bureau, although it is actually clear.

This is also the intention, the advertising is made by credit intermediaries who are concerned with earning commission when arranging loans. They not only broker loans, but also sell insurance and building society contracts. Through the advertising, credit intermediaries attract potential customers to whom they sell everything. They won’t get a Swiss loan without Credit Bureau.

How the self-employed still get credit without Credit Bureau

How the self-employed still get credit without Credit Bureau

There are also opportunities for self-employed people to take out a loan without bending. If you have life insurance with a corresponding surrender value, you can monetize the insurance without canceling it. Life insurance can be lent. This is a kind of loan, but without a credit check, because it is your own money that a self-employed person borrows. So he’s not even in debt.

If there is a course, this variant is therefore the first choice for the self-employed. However, if there is no life insurance, there is still the possibility that the self-employed will borrow money from relatives or friends. Alternatively, they can try to get a loan on a portal where private investors lend money. However, Credit Bureau information is usually not dispensed with here. A loan application may only be made by the self-employed person who has a clean Credit Bureau.

Credit for Self-Employed Experience

Where can you get a loan for credit-independent experiences even with poor creditworthiness or negative Credit Bureau? Would you like to take out a loan to finance necessary repairs or purchases such as cars, cell phones or vacations? Fine Bank test result “It is difficult or even impossible for the self-employed and small businesses to obtain a loan from many financial institutions. Fine Bank offers companies flexible credit as a business model, whereby only independent and smaller companies belong to the target group of the financial service provider. Rejection for companies – Strong conditions for the self-employed, self-employed and entrepreneurs have no chance of a direct loan.



Feedback from the first self-employed who have an account with the company opening an account with the company opening an account: Kontist: The Lippenkontist company is a German-speaking company from Berlin and is made up exclusively of former and current self-employed.

The motto “The company account of the self-employed for the self-employed” is thus actively implemented and is characterized by an improved understanding of the target group. Kontist’s free company account is currently available for self-employed, sole proprietorships, freelancers and the self-employed. Business accounts require a place of residence or registered office in Germany. Easily accessible as a target group, right?

It is particularly striking that the company account is aimed at the self-employed if you take a closer look at the additional functions. The aim of the overall further development is to drastically reduce the administrative effort for the self-employed. It is a pure mobile account for which there is (still) no web application that can be accessed in the web browser.

The automatic tax calculation shows you how much you should save for VAT and income tax for each amount of money. Very, very helpful for many self-employed! The company Kontoist deals with the connection of various accounting solutions such as B. E-business, quick billing, service desk, etc. You can read in this film how this works:

I learned from the company Kontoist that 10 accounting solutions should be integrated by the end of 2017. As of April 2017, the MasterCard direct debit will arrive on the account. I think it is remarkable to show the way that Kontist users have a say in the further development. The control list will take these suggestions into account in the next development.

Is the free company account really free? Business access by account holders is completely free. There are no costs for account management, the transfer of SEPA, SMS-TAN, account statements, etc.

Accountist apparently plans a lot, especially when it comes to automated accounting. As an increasing number of credit institutions, the company also relies on online billing via video telephony. The account will then be checked by IDnow.

The account can be used directly. Therefore, the information only has to be entered once with a account (i.e. even faster than can be seen in the film). No. Account holders do not request information from Credit Bureau and do not report the opening of the account.

Even if the account balance application to open insolvency were made, the deposits would not be at risk.

Hopefully the introduction of the card will change that.

Hopefully the introduction of the card will change that.

The staff of the Kontisten team consist exclusively of people who have years of experience as freelancers. The work team now includes 20 people who are in the Berlin capital office. Earlier developments from Kontist: Since the company is still a very young company, it cannot yet compete with traditional credit institutions in terms of functionality.

With the absolute concentration on the self-employed, however, it becomes even more attractive for this group. The automated finance and accounting process, the high reputation as a customer and the rapid support make the customer account a very attractive company account for the self-employed. Because the account is opened in less than 10 minutes and the account does not cost anything, it makes sense to take a closer look at the account – even if you initially only use it as a second account.

The only thing you need is your cell phone and your passport…. and yes, you have to be independent. If possible, open the link directly on your mobile phone: How can you reach Contist?

Our entire editorial team is curious to see how the new German-speaking company account arrives at you, especially among the self-employed (small business owners, freelancers, etc.).