/ Fri, 25 Oct 2019 10:49:39 +0000 en-US hourly 1 https://wordpress.org/?v=5.6.1 Credit Center – Loans up to 30 days – 15 minutes /credit-center-loans-up-to-30-days-15-minutes/ /credit-center-loans-up-to-30-days-15-minutes/#respond Fri, 25 Oct 2019 10:49:39 +0000 http://www.agapesgr.org/credit-center-loans-up-to-30-days-15-minutes/ cash

Good Finance currently offers credit extension only to existing customers who have taken out loans. The table below compares the credit company’s offer of loan extension using criteria such as loan amount, monthly renewal fee, payment, credit costs, annual interest rate, term.

The annual interest rate

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Is calculated on the condition that the loan is extended, so the activation fee that the borrower pays when registering on the lender’s website is not included in the GPL calculation.

All the data used in the comparison table is taken from the information available on the home page of the respective credit company. Credit costs, commissions, and other loan terms may have changed, so it’s a good idea to check the credit company’s website before borrowing money.

Credit Extensions and Renewal Policy Information

The Borrower shall have the right to initiate the Credit Extension by paying the Credit Extension Fee to the extent stated in the Credit Extension Offer. You can find out the exact amount of credit extension on your Credit Center profile.

Credit amount + extension fee

Credit amount + extension fee

Important

  • Evaluate your repayment options and be responsible! Don’t borrow if you don’t need it! Before borrowing, read the terms of the agreement and contact the lender if you have any questions.
  • You do not need to submit any documents to get a loan.

Right of withdrawal

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The Borrower may exercise the right of withdrawal and withdraw from the Credit Agreement within 14 (fourteen) days, see here for more information.

In the event of default, the debt recovery process may be initiated, the right of claim transferred to third parties, adversely affecting the Borrower’s credit history and possibly the credit rating, which may result in the service provider being refused. In the case of late payments, a penalty of 1% of the total amount of late payments for each day of delay shall be calculated.

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Business merchant cash advance -Fast merchant cash advance direct lenders /business-merchant-cash-advance-fast-merchant-cash-advance-direct-lenders/ /business-merchant-cash-advance-fast-merchant-cash-advance-direct-lenders/#respond Sat, 27 Jul 2019 10:56:41 +0000 http://www.agapesgr.org/business-merchant-cash-advance-fast-merchant-cash-advance-direct-lenders/ merchant cash advance

Whether you have good credit or bad, private business loans can sometimes offer an advantage over their big-bank counterparts. The biggest advantage is that you’ll be able to pay more for your products. In fact, private lenders offer many of the same products as their corporate counterparts do.

Fast merchant cash advance direct lenders completely online

Merchant Advances on the Future For example, if your business is usually $ 10,000 per month in credit card sales, the amount of money you want to borrow, why you want to borrow it, your industry, your length of business, and much more order to qualify you. Once you accept the loan, you simply pay with a percentage of your daily credit card sales. The merchant cash advance direct lender available at acfa-cashflow`s website is not dependent on your credit history, but you need to meet the minimum requirements.

working capital

 working capital

Working capital differs from the point of view of your credit card. To qualify, you need to prove a relatively long history of consistent income from a variety of sources. Just like a merchant advance, you will pay with a percentage of your daily sales. Good credit is not necessarily a requirement here, but a solid history of generating revenue is. The amount you can borrow varies based on your business and the money it brings in.

Term Loans

Private lenders also offer loans with those from traditional banks. While a bank will be using your information in your credit report, you will be able to combine this information with your company, its revenue, and its time in business. All in all, private lenders are more interested in your credit history. Because of this, you can expect higher interest rates and fees than loans provided by banks.

Investor Loans

 Investor Loans

Sometimes, you will receive a payment in the company of your company. For example, if you want to develop and manufacture a new product to your business, then you need to provide percentage of all the income of your company This type of loan can be quite risky, but it is especially helpful for startups who need to get their business off the ground.

Private lenders offer up plenty of solutions to your everyday business needs. Whether you need a small merchant advance to get in the door or a door to the door, there is a product out there especially for you.

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Types of credits for small businesses /types-of-credits-for-small-businesses/ /types-of-credits-for-small-businesses/#respond Mon, 08 Jul 2019 09:21:47 +0000 http://www.agapesgr.org/types-of-credits-for-small-businesses/ money

There are numerous types of credits for small businesses, as well as an almost ridiculous amount of different plans offered by banking institutions. However, according to various studies, SMEs in Mexico choose other alternatives to obtain a loan.

The study Evolution of financing

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The study Evolution of financing to companies during the July-September 2014 quarter , conducted by the Bank in Mexico, showed that more than 80% of small and medium-sized companies turned to their suppliers to obtain some type of financing. For its part, the Barometer of Expense Management 2014, developed by the consultancy of analysis and reduction of operating expenses Expense Reduction Analysts, reported that only 12% of companies resort to bank loans to finance their different needs.

The above may be due to different factors but, without a doubt, a predominant one is the lack of capacity of banking institutions to provide clear information on the mechanisms and guarantee systems of their small business credit plans. On the other hand, the interest rates of the credit market and the conditions of access to bank credit are perceived as obstacles to accessing said credits, data that we confirm in the survey conducted by Bank in Mexico.

We have the types of loans for small businesses

We have the types of loans for small businesses

That said, we have the types of loans for small businesses – other than those offered by banking institutions -, among which are those offered by the government and funding companies. The most popular ones already work online and provide clear and concise information to help us make the best decision when choosing which ones are best for us, talking about types of loans for small businesses.

And of course, whatever we choose, we must not lose sight of

And of course, whatever we choose, we must not lose sight of

  1. CONDUSEF (National Commission for the Protection and Defense of Users of Financial Services), is here to help us make informed financial decisions, as well as to protect and defend our rights against financial institutions.
  2. Before applying for a loan, prepare a clear and realistic business plan.
  3. Separate the accounts that correspond to your SME, yours as the owner. Revolving accounts can void the acceptance of credit, and it is also not healthy for you or your small business.
  4. If you decide to look for a small business loan, check that it covers all your financing needs and that the lending company is serious and legally established.
  5. Read all the documents very well before signing them.
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Debt consolidation calculators – an option that is smart /debt-consolidation-calculators-an-option-that-is-smart/ /debt-consolidation-calculators-an-option-that-is-smart/#respond Mon, 01 Jul 2019 12:48:43 +0000 http://www.agapesgr.org/debt-consolidation-calculators-an-option-that-is-smart/

A remedy then it is for the owners to consider facing home loans. This type of loan is usually used as a guarantee against your property, assets, and so on. The mortgage provides a ‘loan in advance’ remedy and asks the manager not to spend until the end of the loan term throughout the mortgage or when the house is sold.

But before buying cheap loan one must think of the three characteristics. The initial one is the fact that howmuch you need to borrow; Subsequently, the payment deadline for this loan; and also the PPI (Payment Protection Insurance). These three components must be considered before relying on a mortgage that is cheap.

Debt consolidation

Debt consolidation

Debt consolidation can be a resource when a person is carrying too much personal credit card debt. Even an unsecured loan from a creditor often has no higher interest rate than credit cards. Since they are easier to use their chance OneDown is maintained more credit card issuers justify saying that credit cards are similar to a high risk loan anyway.

Cheap loans can be benefited in connected or unprotected options. When you buy cash against your property or any less valuable property the lower rate is insured. This type of secured loan comes at a low rate for poor individuals participating in credit. The charge could be reduced to reduce the loan degrees a sum that is lower than the price of the home. You are able to repay more mortgages in 5 to 30 years, which decreases your regular outgoings as well.

You have to stop getting into debt if you are going to start moving away from debt. One way to start is to start if you believe that it is part of your difficulty to wean yourself in the payment card teat always,. That you don’t need all your cut-up bank cards; that would be foolish and improper. Start gradually, but grow to it and get robust. You can do it. The only way to avoid going into debt is always to stop going into debt. Because the faster you get started, the sooner you will get rid of the debt you would perhaps even start now. The longer you delay, the longer it will be considered.

Home loans

Home loans

A mortgage can be quite a debt that is great. Not only does it not allow you to own your own home, but it also allows you to develop a capital home. People who are financially experienced earn equity and interest. People who are not financially smart cash build and pay awareness. For example, asking for groceries means that you will spend around 17 percent awareness on the items that will be taken in a week. An individual who is common sense could not do it.

While there are too many cards and you also have employments to try out the perfect stability wanting to keep all these juggled expenses. This becomes risky, as if you keep creating a partial payment for extended amounts of time, awareness continues to expand. Until some time the problem could go out of hand. Instead with card debt consolidation, there is only one where there is a single annual cost, cost control, and only a single collector to repay.

Consider Diane and Mark. Both create a great life: she is a psychologist, and he is a doctor. They have two children that I am faithful to. They also provide for private school, which costs a grand total of 000 a year, and equally the goto children Summercamp. This cost can add up.

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Personal Loan Simulator /personal-loan-simulator/ /personal-loan-simulator/#respond Wed, 26 Jun 2019 13:41:54 +0000 http://www.agapesgr.org/personal-loan-simulator/

Loan Simulator with Credit Labinia

Loan Simulator with Credit Labinia

As a new client you can request personal loans of between € 50 and € 800 to return in 30 days. Applying for a Credit Labinia loan is easy. Use the loan simulator bars and decide how much money you want to apply for and for how long. We will show you the total amount to be returned. Once you agree with everything, click on request. The process will only take a few minutes, and if we approve it, within 24 hours you will have the money in your account.

Loan simulator: Know what you pay, no surprises!

Loan simulator: Know what you pay, no surprises!

The loan simulator allows you to instantly know the final amount you must pay. Normally, when requesting an instant credit they inform us of the existence of interests but not of how much the monthly payments amount. Our loan simulator allows you to instantly know the total amount of the amounts to be returned so that the client knows from the beginning the total amount of your loan. This allows you to perform your calculations more easily.

For example, if on January 1 we request a loan of 200 euros to return in 15 days, we must enter the information in the simulator. This will show us the data regarding the conditions and repayment terms instantly: The fees for these parameters will be 50 euros, so the final amount to be returned would be 50 euros on January 15.

Once we have the data in our possession, we will be able to decide if we continue with the online operation: fill out a form and provide our bank details so that the transfer can be made. Credit Labinia conducts a solvency analysis to verify that everything is in order and communicates the granting of the loan. In minutes we can have the money in our bank account.

Credit Labinia, the solution to your immediate liquidity problems!

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Why a Merchant Cash Advance Could be Perfect for Your Business /why-a-merchant-cash-advance-could-be-perfect-for-your-business/ /why-a-merchant-cash-advance-could-be-perfect-for-your-business/#respond Wed, 26 Jun 2019 10:09:24 +0000 http://www.agapesgr.org/why-a-merchant-cash-advance-could-be-perfect-for-your-business/ money

Who can use a commercial cash advance and why?

Who can use a commercial cash advance and why?

Certainly, there are currently different types of loans, as well as cash advances, but to whom is a cash advance going, who can benefit the most and what can be accomplished with them? The competition is strong because several services are available, offering better products on a daily basis. We need to understand what pioneering products are added to what they are designed to understand which types of businesses can benefit the most. Of course, they will not be for everyone, but for the organizations that have used them, they have already provided sufficient resources to provide the necessary funding in sufficient time and a good return.

 

Who is a Merchant Advance for?

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A cash advance is a form of working capital financing for small business owners, intended primarily for those involved in retail, foodservice or similar businesses. The company that needs these products may have already experienced credit problems due to defaults on the part of its customers, but it continues to generate a steady income through credit card transactions. In general, business cash advances are for small businesses with a credit rating of less than 725, but a minimum of approximately 528. This offer helps those with little credit, while ensuring that credit is insufficient.

Bank financing is generally not feasible for those with low credit, and this is often accompanied by numerous stipulations, fees, high interest rates, and hidden costs. Often approved within 48 hours, advances provide fast financing with minimum terms and conditions, unlike traditional banking programs. These programs offer a stable interest expense that will not accumulate after a while, and has no hidden costs. Business cash advances can provide the necessary working capital, simply based on future credit card sales.

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Cash advances can be used for all your business needs, whether it’s new equipment, expansion, research and development or day-to-day operations. These advances could pay for computers for an office or seats and tables for a restaurant, even a new line of clothing for a retail store. With an affordable repayment plan and the requirements to meet the needs of a business, cash advances tend to be the best choice because they can be used for endless opportunities within your business.

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More focus on term and total amount with Personal loan /more-focus-on-term-and-total-amount-with-personal-loan/ /more-focus-on-term-and-total-amount-with-personal-loan/#respond Tue, 28 May 2019 13:38:51 +0000 http://www.agapesgr.org/more-focus-on-term-and-total-amount-with-personal-loan/

The National Institute for Budget Information, better known as Lobesrob, has published the results of new research. The survey was conducted among households that have taken out a personal loan through an intermediary in the past two years. Dinoscredit also participated in this research.

We are happy to list the results for you.

The research shows that consumers are generally satisfied with their personal loan. There are no problems with the monthly repayment of the personal loan. This indicates that the consumer has taken out a loan that matches his personal and financial situation. The acceptance standard applied by lenders, which among other things looks at the monthly fixed costs that a consumer has and the level of income, therefore has an effect.

Maturity has more influence than expected

Maturity has more influence than expected

The Lobesrob study also shows that the duration has more influence on consumer experience than expected. The longer the duration, the lower the satisfaction. This could indicate that consumers find it difficult to pay off the loan a long time after the loan amount has been spent. The ‘necessity’ of the loan is gone, creating more negative feelings about the loan.

Total amount deserves more attention

Total amount deserves more attention

Although consumers think carefully about the amount of the loan, the monthly amount and the interest rate, there seems to be less attention for the duration of the loan. Consumers also pay less attention to the total amount. Some of the consumers no longer know the duration of his loan or have no idea of ​​the total amount of his personal loan.

More focus on duration and total amount

More focus on duration and total amount

Lobesrob would like lenders and intermediaries to focus more on the duration and the total amount of the loan. Lobesrob advises by redesigning the choice environment on the website. Research has also shown that a clear picture of the total amount influences the term that consumers choose. If the total amount is prominently displayed, more consumers opt for a shorter duration.

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Women investors more reserved than men investors? /women-investors-more-reserved-than-men-investors/ /women-investors-more-reserved-than-men-investors/#respond Mon, 27 May 2019 23:24:15 +0000 http://www.agapesgr.org/women-investors-more-reserved-than-men-investors/

Anyone who gets to know Honest Credit soon realizes that we do not fit into classic grids. For example, at Honest Credit, against the otherwise prevailing uncertainty of the financial world, transparency is a top priority.

Marketplace transparently

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Outsiders should also have the opportunity to comprehend all developments on our marketplace transparently. This possibility leads again and again to exciting evaluations of the happenings on our market place.

The help of our data

The help of our data

a recent study has shown that even a common prejudice of the financial world at Honest Credit is not true: that women invest more risk-averse than men. A study at the German Institute for Economic Research investigated whether women and men have a different risk appetite when investing their money.

The Credit author was selected in the study entitled “Does Gender Affect the Risk Propensity of Retail Investors? Evidence from the Largest German Market for Peer-to-Peer Lending “shows that women on Honest Credit are by no means more risk averse than men. While the share of male investors in Honest Credit is higher than the female one, risk appetite for investing in loan projects is the same for both men and women.

Women therefore choose neither riskier nor riskier projects than men. The study was presented at the European Retail Investment Conference in February this year and can be accessed online here.

This is not the first DIW study to show that gender differences do not apply to a modern marketplace such as Honest Credit. Already in August 2010, the DIW has shown that self-employed women in the lending of Honest Credit are not disadvantaged as in classical banks.

Female entrepreneurs

Female entrepreneurs

The lending practice of traditional banks has been criticized as discriminatory, as female entrepreneurs there have less chance of success on a loan and also have to fight under the same conditions with worse conditions than your male colleagues. Honest Credit investors, on the other hand, are unfamiliar with such discrimination, so that women and men in our marketplace have equal opportunities to get credit on favorable terms.

We are pleased with the results of the study and are looking forward to seeing the results. Are the results surprising to you, or did you realize from your own experience that risk taking does not depend on gender? 

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Loan for self-employed: how to get it? /loan-for-self-employed-how-to-get-it/ /loan-for-self-employed-how-to-get-it/#respond Sun, 26 May 2019 13:10:31 +0000 http://www.agapesgr.org/loan-for-self-employed-how-to-get-it/

An autonomous person, that is, who has an occupation, but does not have the signed portfolio, such as an entrepreneur of a small business, does not have a fixed income.

If this was a problem to get a loan in the past, nowadays it is not anymore, as the number of people in this category has been increasing and in 2017 has exceeded that of people with formal employment.

Some institutions still require proof of income, but in many cases you will only need the bank statement from your account in recent months. In addition, some financial companies do not require proof of income.

It has now become easier to borrow money being a freelancer.

And if you want to get a loan, we’ll show you that there are many options.

Options to get a loan

1. Microcredit

1. Microcredit

It is intended for micro and small entrepreneurs to invest in the business itself. Microcredit is interesting, as it serves formal, informal, autonomous entrepreneurs and even for those who are negative, that is, with the dirty name.

And the best part is that it is simple and does not have many bureaucracies. In addition, you will be assisted by a microcredit agent who will visit your business and better understand your needs, to help propel you.

But the question is: how to get a microcredit? You will need to present a bank statement for the last 3 or 6 months, contracts and receipts for services rendered and if there is proof of income tax, it is important to also show.

The amounts can be from R $ 1,000.00 to R $ 15,000.00 with payment in 4 to 24 installments and interest rates reach a maximum of 4% per month, being relatively low compared, for example, to overdraft, around 12.7% per month, depending on the financial.

This is currently the type of loan offered by several banks and fintechs, which are companies that invest in technology and are experts in finance.

2. Offer of guarantees

2. Offer of guarantees

In this circumstance you would place a property or vehicle itself as collateral and if there is no debt payment, the bank has the right to it. Therefore, it will be collected by the bank and your debt will be paid off.

This is a type of loan offered by many banks and financial institutions with low interest rates and the amounts given can be high, up to 70% of the value of the property / vehicle and with extensive repayment terms because they have a guarantee of that they will receive.

But it is important to note that in the case of non-payment of the debt, you will lose it, so it is necessary to reflect on the payment amount of the installment and if you have conditions to remove.

In addition to the offer of property or vehicle, there is also the pledge, in which the property offered is a jewel, but in this situation Caixa Econômica Federal is the only institution authorized to do so.

In the attachment, the person offers the jewelry as a reward and leaves with the money on time, with interest that tends to be low.

3. Online Loan

3. Online Loan

In this mode, you can carry out the loan from the comfort of your home and interest rates are lower because the cost of the bank to carry out the loan is lower.

But in the case of the self-employed, the interest rate is related to the risk. Some companies will offer low interest to those who have low credit risk, so they do not accept negatives.

However, there will also be companies that offer loans to those who have a higher credit risk, such as the negatives, but interest rates are higher.

4. Presentation of a guarantor

4. Presentation of a guarantor

Another option is the presentation of a guarantor, more knowledge as the guarantor, who would be a person close to you.

He will provide proof of his income and if the debt is not paid, the guarantor will have to assume it or he may put a good as collateral, in which the bank will be entitled on it in the event the debt is not removed.

5. P2P Sites

5. P2P Sites

P2P is a new form of lending that came to innovate, because it will connect, through an online platform, the one who wants to get a loan, with someone who wants to invest or lend the money.

At that point, you must be asking yourself: does it mean that I do not need to take money from financial institutions or anyone in my family? Yes, these sites will perform the intermediation and the interest rates tend to be lower. The two main companies in Brazil are Nexoos and BIVA, but there are several others in the industry.

Someone can invest in your business so that it grows more and more.

6. Financial

6. Financial

Lenders will have lighter restrictions on lending, making it an easier option. There are some that do not ask for financial proof, such as Ibi, which will ask only your RG and CPF to perform a simulation.

But maybe the financial ones are not the best choice, because the rates are high, so look first for the other possibilities mentioned, maybe they are more advantageous.

Check the conditions of your bank as well, as the process will become easier, because it already has its history of movement.

And now that you already know all of your options, just research which one is best for your profile and check out the rates for each one. It is important to analyze the payment terms, interest and value of each installment so that this choice is a solution and not a new problem. Keep an eye on the scams as well, analyze whether the institution is linked to the Akira bank and look up the company name on complaint sites.

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Bad Credit Debt Consolidation Tips /bad-credit-debt-consolidation-tips/ /bad-credit-debt-consolidation-tips/#respond Wed, 22 May 2019 13:07:12 +0000 http://www.agapesgr.org/bad-credit-debt-consolidation-tips/

Before finding out how much you can afford, make sure you answer the first question; you should continue to rent or buy a home. As attractive as owning your home may seem that it is not right for everyone. In fact, in today’s fast-paced fast-changing world, it might make more sense to continue to rent. This is a question only you can answer, but you need to be fully educated to determine the answer.

Tips for Debt Consolidation

Tips for Debt Consolidation

The loan amount you can borrow through these loans depends on the price of the car. The interest rate of the secure loan is lower than the unsecured loans. The term loan depends on the type of loan. For the secured loan, the loan term is longer, which can be more than 6 years. You must repay the loan in short term for unsecured loans. The short term varies from 5-6 years. The interest rate is high for the unsecured and short term loan. The reason for this is that the lender gets less time to earn the profit from the borrower. You can get lowered long term interest rate and secured loan.

If the amount to be repaid seems impossible you will need help, and in a way that can help is debt consolidation. This is when you combine all your small debts into one bigger loan. Interest is generally cheaper than credit cards and the loan is easier to manage with less fees rather than having all the smaller loans. To be successful with debt consolidation you need to cut the credit card you paid for, and not get any new credit cards. So you need to include all the loans you have so you can start paying off that debt.

Business owners debt

Business owners debt

There are various debt programs that are specifically designed to help debt business owners. Thus businessmen can rely on these programs to get debt free. With this program you can pay a single monthly installment. Moreover, you can avoid the failure to apply for a loan to make payments to suppliers, creditors and suppliers. If you opt for secured loans, then the interest rate would also be low.

If a person wants to go for cheap loans, then he or she suggests going for secured loans. Otherwise, unsecured loans can be preferred. Thus, after going through all the features we can say that these loans are very useful for every person.

The FHA is not a lender and does not actually make or guarantee home loans. They secure the loans an online mortgage lender can help you get.
Although always in credit card financial debt is easy to do, getting it is something that requires a great deal of features. Even in case you visit an institution or a company that focuses on helping people get out of debt, has it won? It happens during the night. To get out of financial debt, which really takes you a little time and work, how do you get the debt under control and start the long process of rebuilding your credit.

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