Commercial loan

Trade credit is the credit that a supplier gives to its customer to settle its receivables. The supplier can finance its commercial credit with short-term financing such as discount, overdraft, dailly, factoring, MCNE. .
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About Personnal Credit

About Commercial loan

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Commercial credit is the credit that a supplier gives to his client to settle his debts. Commercial credit is a payment flexibility regularly demandeed by customers and granted for commercial purposes in order to retain customers or win new customers.

The professional loan is a loan reserved exclusively for professionals.It concerns the liberal professions, craftsmen, tradesmen, farmers, small and medium-sized businesses, autoentrepreneurs but also associations. The professional credit will allow professionals to equip themselves, buy or build premises or finance a working capital requirement of the company and strengthen the equity.

Everything was very simple and fast - documents that are easy to understand and to read - uncomplicated manipulations via the internet and without waiting.

Note that with Crédit Univers, you can subscribe to your 100% online loan, from the simulation of your personal loan, to the electronic signature of it. quick.

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Frequent questions on commercial credit

Where can my capital injection come from?

Your capital contribution may come from your own savings, from the equity in your home or from the money given to you by a friend or family member that you You do not have to pay back - you can not finance your capital needs from other sources (credit cards or other sources of credit, for example).

At least half of your injection must come from your own sources (savings or equity in your home). Others may be gifted or an owner may bring back a pending rating. You can also borrow on your retirement accounts, which represents equity.

Do I need a business plan?

If you are a start-up business, you will need a business plan If you are a business that has been in business for more than two years, you will need to compile a summary of the business plan. history and the nature of your business.

Or, if you expand your business in one way or another, you will need to explain your expansion plan, explaining how this expansion will positively affect revenue.

If I have already gone bankrupt, am I still eligible?

Your bankruptcy must be at least 3 years old, depending on the type of loan, and your report must not contain late payments, outstanding payments or collection items since the bankruptcy. Lenders want to know that you are financially responsible since filing for bankruptcy protection.

What documentation will I need when submitting my loan application?

For fully subscribed loans, you will need all completed application forms, personal and business income tax returns for the last three years and an interim financial statement prepared from your last period of income tax reporting For start-up businesses, you will need a business plan, projections and assumptions on which these projections are based.You will not have tax returns or statements For loans on credit, only one application is required.