Business loan application

Banks usually ask for: tax registration certificate and signature circular; balance sheet and income statement for the last two years (for a sole trader, a summary of the business ledger); current letters confirming no outstanding tax or SGK debt; the trade registry gazette; documents for whatever is offered as collateral. It varies from bank to bank; the banker who writes to you gives the exact list.

Most banks want a minimum trading history, but some lend against a KGF guarantee or a partner's guarantee. The banker who takes up your request will tell you what their bank looks for.

Instalment loans, spot loans, revolving facilities and cheque discounting each answer a different need. Write down what you need it for; the banker suggests the product.

No. The request needs an amount, a term and a way to reach you; documents come in only once you apply to a bank.

Leaving a request is free. KrediBul charges nothing to the side looking for a loan.

No. A request is not an application; nothing is queried at any bank and no Findeks record is created. A score query happens only when you apply to a bank yourself.

Bankers do not see your phone number or email unless you share them. We email you when a banker writes.