Opening your own business nowadays, we have not only start-up loans for new companies, but also a number of subsidies that we can use when starting our own small business. Therefore, people who intend to start their own business have easier start today, provided that they can properly use it.
Before I get to the main topic of this article, namely loans available for new companies, I would like to focus on all the possibilities for people starting their own business. And here I can’t imagine not to mention the subsidies that are available to them practically at their fingertips. What subsidies are we talking about? Both about those that are available under European funds that we can obtain with a special business plan developed, but also those that we can get from the employment office as an unemployed person. Lower ZUS contributions that are paid by people starting their own business are not insignificant, it is not nearly $ 1,200 that people who have been running companies for a long time pay, but the amount is more than half. So this is a big difference, especially considering the fact that we pay these contributions every month. Starting up with your own small business is now much simpler than it was a dozen or so years ago. The formalities related to registering a company take much less time and we can do it today fully electronically, without running around the offices.
Subsidies, lower social security and simplified procedures for starting your own business are not the only facilities available today. We still have loans for new companies that are available to start. It is true that they are not available from most banks, but some offer them and today I will look at which banks and what we can gain by reaching for such a loan.
Who are loans for new companies available for?
For people setting up a business from the first day of its conduct and not conducted for more than 12 months. To apply for such a loan, as you probably guessed, it will not be necessary to provide the amount of turnover because such new companies simply do not yet have. Instead, the bank will require us to provide a simplified business plan, which should include a brief description of the business, planned annual income and information about possible own funds allocated to the development of the company. In addition to this information, we will also need to provide several necessary documents, such as a certificate of entry in the Business Register and documents confirming the assignment of REGON and NIP numbers (a duplicate of the latter is issued for persons engaged in one personal activity).
In which banks will we get a start loan?
It is definitely worth checking the offers of several different banks, in particular those specializing in financing small businesses. I am thinking of such banks as Ideal Bank or BestSave Bank, although we can also apply for a start loan through banks such as uBank, Aliot Bank and Capa Credits.
One of the more popular start-up loan offers in the offer is Ideal Bank, which enables obtaining a loan from 1 day of operation. At present, the loan amount can be up to $ 35,000.