How can I get a loan to invest in my business today?

Obtain a loan to invest in the business can be simpler than imagine! Read the text and find out how!

In 2021, according to data from Sebrae, 22% of businesses closed their doors due to lack of working capital, with small business owners being the most affected.

In Brazil, thousands of entrepreneurs have to abandon their dream of having their own business because they cannot afford to invest and wait for a financial return.

Businesses that lack the infrastructure to sustain themselves for a long time and the money to invest in improvements to boost the business do not last more than 5 years in our country.

Only those who have been through this know how disappointing it is to invest money, energy and confidence in a dream, only to see it crumble before your eyes.

However, there is a way out: the loan to invest in the business. Read the text and find out more!

See the text index below:

What is a loan to invest in a business?

This is when you apply for a loan, but with the sole purpose of investing in your business.

Therefore, you can do this at any financial institution, especially one with which you already have a relationship.

However, if you have an active CNPJ, the ideal is to look for loans for this category.

This is because financial institutions offer credit products with special conditions for this group. Even if you are MEI, you can enjoy these conditions.

What are the advantages of a loan for those with a CNPJ?

The main advantage of getting a loan to invest in the business with your CNPJ is related to interest rates.

They have a lower percentage for formalized professionals.

Furthermore, the payment terms are also better; you will usually have more time to start paying off the debt and can pay in more installments.

Having the opportunity to invest in your business without compromising the company's cash flow is also a great advantage.

Where can I get a loan to invest in my business?

There are many places where you can get one loan to invest in your company, including in the category “Loans” On our blog you can find different financial products of this model.

If you already have a business account with a bank, see if they offer any loans to those with a CNPJ (Brazilian Corporate Taxpayer Registry).

Now, if by chance your bank doesn't offer this loan model, the ideal is to look for another that does, as it is the most advantageous option for you and your company.

Check below the names of 4 banks where you can get loan for companies with ease.

1. Itaú Bank

Banco Itáu has a loan special to companies that can be used for invest in your business.

The amount can be contracted online (100%) and deposited into the account in just a few minutes. With this option, the customer has up to four months to start paying.

This is great because you'll have plenty of time to get your finances in order before paying off the first installment of your loan.

The payment term is 4 years, depending on the amount requested, the installments can easily fit into your company's budget.

This should certainly be considered when setting a price to request.

To hire the loan to invest in your business you must be an Itaú Bank customer. If you are not yet, click here and open your account.

2. Banco Inter

Banco Inter offers special financial products for those who wish to invest in the development of their business, including: Corporate Loans and Loans with Property Guarantee.

With a Corporate Loan, you receive the perfect working capital to organize your company's cash flow and finances, leaving you with more time and money to invest in your progress.

In this modality, it is necessary to provide some guarantee, and Inter accepts the following alternatives:

• Card receivables;
• Securities with future maturities;
• Fixed or variable income securities invested with Banco Inter;
• Contracts already performed by your company.

The second option is a Home Equity Loan. This is one of the most advantageous options, as the interest rate starts at 0.80% per month + IPCA.

In fact, Banco Inter stands out in the credit market for offering the lowest interest rates on its financial products.

With this loan model, you can use your commercial or residential property as collateral and request amounts above R$1,000,400.

The repayment term can vary from 24 to 240 months. The installments will certainly fit perfectly within your budget.

To run a simulation, click here. If you are not yet a customer, download the app and open your account.

3. C6 Bank Companies

With C6 Bank, you can also get money to organize your business finances and boost it.

With the working capital it offers, you only start paying the amount acquired 60 days after signing the contract.

The loan for legal entities can be requested online, without the need to go to a branch, face traffic or queues.

This bank also offers the PJ credit card, which can also be used as a loan to invest in the business.

4. Provu

Provu also offers loan for those who want to invest in the development of their business, however, it is not necessary to have a CNPJ, it can be done with the CPF, thus, it is ideal for freelancers.

In fact, it is a personal credit model, despite the facilities, it is the most disadvantageous alternative, normally with higher interest rates.

Amounts can be requested from R$2,500.00 to R$50,000.00, and can be paid in installments of up to 36 months.

To increase your chances of approval, you can use the income linked to your CNPJ (Brazilian Taxpayer Registry) to prove your income.

What is the best loan option for investing in your business as an individual?

If you want to get a loan as an individual, we recommend opting for more economical models, that is, with lower interest rates and fees.

Therefore, you can opt for a secured loan or a payroll loan. However, payroll loans are intended for a specific group, and you probably don't fit the bill.

If you don't have any assets to offer as collateral, you still have the option of a personal loan.

This is one of the most common loan models in Brazil and can be requested by anyone, as long as they meet the requirements of the financial institution where they wish to apply.

Although it is common, it is not the most recommended option, as it has higher interest rates and fees.

Therefore, only prioritize this model if you are unable to get approval for a Business Loan or a Secured Loan.

Conclusion

Before applying for a loan, you need to carry out financial planning for your business.

In this control, you need to ask yourself about your financial needs, what your priorities are, what you can expect, etc.

From this, you need to define which is the best loan option for you. invest in business, consider the value, interest rate and fees, payment terms, installment amounts and values.

When we invest in something, the intention is to get a return on that investment, but if we don't get the desired return, what should we do?

Do not apply for any loan without first analyzing the pros and cons and assessing the financial situation of the business.