Immediate Online Payday Loans -Algarveinfo.Net Sun, 05 Apr 2020 11:31:47 +0000 en-US hourly 1 I need a payday loan online -How to get a payday loan online? Sun, 05 Apr 2020 11:31:47 +0000 When asking the question, what is a cash advance from a merchant? You should start by understanding what financing options are available for your company. Financing your small business is having the right information to make a decision that suits your circumstances. The merchant’s cash advance is perfect for companies that meet certain criteria. He talked to Alice Hazard of Clouse Financial about who should use this financial tool and how he should do it.

How to get a payday loan online?

So what exactly is a cash advance from a merchant and how can it help your company?

“A cash advance from a merchant is a one-time infusion of capital in the form of a lump sum in a business,” says Hazard. “This is in exchange for a fixed royalty for a fixed period of time.”

Like other financing products, the merchant’s cash advance has a better scenario when it comes to small businesses. These are the best for the short term. They depend on the cash flow of the company, so no guarantees are required.

Typically, the amount of financing is based on an average of one month of bank deposits or credit cards. In other words, you must have a consistent and sufficient income history to request one of these. Small businesses can often get money quickly within one to three days. Generally, the amounts are between the US $ 60,000 and the US $ 70,000. However, you need to have a constant monthly income of $ 10,000 per month to qualify.

You may see here now more useful information about online payday loans.

More information about the merchant’s cash advance

Hazard also says that there is a specific set of small businesses that benefit more from a cash advance from a merchant.

“You need to have a clear path to income if you’re going to take this money,” he says, adding that business owners should be ready to squeeze their cash flow.

“Suddenly, you are delivering 10 to 20 percent of every dollar received,” he says.

Kasis suggests that there are some boxes that you should check to make sure that, before taking one of these advances, you can return the money. Buying inventory and flipping it works. Or, you can time a cash advance from a merchant to cover the slow season when you’re pretty sure that historically better revenues are ahead.

What would be a good merchant cash advance business?

So what would be an example of a good business cash advance business?

“This is for new businesses and those who have not been in business for six months, as well as for businesses with an owner FICO of less than 600,” says Hazard. A cash advance is also a good option for store owners without many difficult assets.

It is a good idea for industries with a large number of transactions per month, such as restaurants, bars and many B2C companies such as retailers and even nail salons. One of the criteria is to be able to forecast a constant flow of customers.

In any case, it is important to get as much cash advance information from the merchant as you can before deciding if this financing option is right for you.

When is the merchant’s cash advance popular?

If you’re still not sure if your company would be a good commercial cash advance business, consider this.

The merchant’s cash advance is also a good option for companies that can have a cyclical revenue stream. Hazard says there is an increase in companies seeking cash advances for merchants before the holiday seasons.

Why is it a good choice?

Let’s say you are launching a new product line or need some extra money to set up a new customer. The merchant’s cash advance is the perfect option because in some cases you can get less than $ 100,000 on the same day.

It is an excellent financial aid if there is a broken water pipe in your restaurant that needs to be repaired quickly. Best of all, small businesses just have to fill out an application and provide bank statements for four months to get going.

So, when asking the question, what is a cash advance for merchants? Start with a clear understanding of how this financing option to help your small business survive and prosper.

Credit card vs. debit card. Which one should you choose? Sat, 12 Oct 2019 19:02:21 +0000 The duel of debit and credit cards often means that we do not know exactly which one to decide on. When opening an account, we are usually offered both solutions. Each of them has different functionality and works in a different way. It also has other pros and benefits. In this article, we describe the operation of a debit card and credit card, and answer which option to choose. Useful information will help you make a conscious decision and take advantage of the benefits that these two options bring.

Debit card

A debit card is a plastic payment card that is issued to our bank account. It is used to withdraw funds from such an account. Thanks to it, we can withdraw only as much money as is currently in the account without the possibility of going down the minus. Debit cards are issued by all banks. The vast majority of them are free and we do not have to meet any requirements to receive them. Debit cards allow payments in stationary stores, on the Internet or cash withdrawals at ATMs. The most popular card issuers are MasterCard, Visa or American Express. Debit cards can have a magnetic strip, chip and contactless payment module. The debit card is usually issued automatically to the account, although we do not need to activate it. Debit cards are so-called flat cards without embossed print. It also has the security code, expiry date and card number marked on it. Thanks to this data, we can make payments online.

The advantages of a debit card include the ability to pay with it at all points offering card payments and simplicity of use. Using it, we do not have to watch the deadlines or pay special money for it. Such a card also helps to maintain “order” in our finances, because we will not spend more money than we have on our account. We do not have to meet any requirements or have creditworthiness to receive it.

Credit card

The operation of a credit card is slightly different than a debit card. The credit card is not tied to our bank account, but to the limit. Once we receive a credit card with a limit of e.g. $ 3,000, we will be able to start using it. We can withdraw funds at any time, and if we do not need a limit, it can remain intact. When we withdraw funds, e.g. at an ATM or by paying them in a store, the interest-free period begins. It lasts about 58 days. No interest is charged to us during this time and if we refund the sum by then, we will not pay anything for its use. However, when we decide to “borrow” money from the bank for a little longer, for example for a few months we will pay 10% per annum on the sum used. Fees and interest will be charged on an ongoing basis. Thanks to this, we will have to pay only the minimum amount monthly that will cover interest. It will usually amount to several to several dozen zlotys. After a few months, when we decide to pay off the credit card, all you have to do is deposit the whole amount. From this moment we can start using the credit card again.

A credit card, apart from a plastic form, doesn’t have much in common with debit cards. The credit card is a financial – credit producer. It is granted with a limit of e.g. $ 3,000 credit. To receive it, we will have to apply for a loan at the bank. For this we must have creditworthiness. This card is offered by all banks on the market. It can be issued for free or we will have to pay a fee for its publication or use. The offer depends on the bank. Credit cards are also an indicator of the owner’s reputation and allow you to block sums for e.g. bail. Thanks to this, only credit cards will pay for the rental of expensive and luxury cars or accommodation in luxury hotels. We will also pay with credit cards wherever payment by card is possible, e.g. in a store or online. We will also use it to withdraw funds from an ATM.

The advantages of a credit card can certainly include the credit limit that is granted to us. Thanks to this, we can count on additional cash. This limit is also flexible. So we don’t have to go to the bank and take a separate loan every time. We can repay freely and then use the limit. Credit cards also have an interest-free period of about 2 months, during which we can use the money without interest. If we want to use them longer, we will pay only 10% per step, which is a very attractive rate compared to typical loans.

Which card should I choose?

If we already know the operation of both cards, we can now choose which one we want to use. The decision should be made at home, after thinking through the whole situation. It is also worth answering questions about what we will use this card for, how often, whether we need flexible open credit and whether to opt for two cards. Making decisions at the bank under the pressure of an adviser is not the best solution that we strongly advise against. It is also worth paying attention to the promotions that banks offer. Thanks to this, we can choose a different bank for a credit card and a different one for the account and debit card. In this way, we will avoid paying for a credit card or choose a more favorable bank account.

A debit card, which is only used to physically spend money from your account, will be a good solution when you do not need a loan and an open limit. It is worth to opt for this option also if we have a problem with planning the repayment dates of installments or credit cards. Thanks to this card, we can also manage our finances and organize our finances. Credit cards are worth choosing if you want to have access to a loan immediately without having to submit an application to the bank each time. We should also use such a card if we often rent cars or spend the night in expensive hotels. This will greatly facilitate these processes. The option of choosing both cards is worth choosing if you run a company or business. This will help to separate finances.

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Private loans – Comparison of interest rates, facts and links Wed, 25 Sep 2019 11:21:22 +0000 When people think of a loan, it is usually a private loan that they think of. This is not immediately strange as it is one of the most common and classic types of loans. A private loan is simply a regular loan with no frills that you can apply to in virtually all banks. For this reason, it is not uncommon for such a loan to be called a bank loan, but it is far from only banks that offer private loans. So do many other lenders and credit companies.

What is a Private Loan?

What is a Private Loan?

A private loan is often also called a blank loan and it is a loan with no collateral. You can read further down exactly what this means. Many different types of loans are basically a private loan because it is simply a loan to a private person where you do not need to provide any security.

There are some things that can be good to know about private loans and we will go over them below. It is about how much you can borrow and some other conditions.

Loan Amount

A private loan is usually available in the range of around USD 10,000 and up to about USD 350,000. It is very uncommon for someone to lend larger amounts than that. If you need more money, this is another type of loan you can look at.

There are some lenders who lend smaller amounts, perhaps all the way down to USD 1000. SMS loans are really a form of private loans and there you can borrow small amounts, but the limitation we usually do here on the page is that a private loan is a loan you can take for at least 12 months while an SMS loan or micro loan has a shorter maturity. Today, it is more common for lenders to lend small amounts such as USD 1,000 – 50,000 with a maturity of up to five years.


The repayment period on a private loan usually lies somewhere between 1 and 12 years. The length of the repayment period you want on the loan is largely determined by yourself when you apply for the loan. Your financial situation also usually affects how long you can borrow. If you have good finances, you can be offered longer maturities than if you have a bit of fluctuating finances.

The longer the repayment period you choose, the more expensive the loan will be in total because you will then have to pay interest for a longer period. Be sure to make a careful calculation before deciding on the repayment period. With a long maturity, the cost becomes lower every month, which can be an advantage, but overall you pay more for your loan.

Loan terms for private loans

There are usually a number of basic conditions with most banks and lenders. It is always required that you are at least 18 years old and sometimes there are sometimes certain requirements that you are registered in Sweden since a certain number of years back.

In principle, you must always have an income which means that you have the opportunity to repay the loan within the stipulated time. This income can vary – sometimes it is around USD 100,000 / year and sometimes up to USD 150,000. The most common, however, is that the requirement is USD 120,000 in annual income. It is very unusual for private loans where you may have payment notes. If you have these, you are usually denied or at best can only borrow smaller amounts.

Credit check before loan

When you apply for a private loan, a credit check is always done to see how good your finances are. There you look at income, old loans and credits, assets, payment notes and the like. Based on this information, the lender determines whether they believe you have a sufficiently good credit rating to take out a private loan.

The requirements for taking out a private loan are higher than many other types of loans. These are higher requirements than for micro-loans, as these are usually clearly larger loan amounts. There are also higher requirements than for example mortgages because mortgages have collateral in the form of your home, which reduces the risk to the lender.

Private loan – A loan without collateral

Private loan - A loan without collateral

You can read more about unsecured loans on our site that deals with this very subject. In simple terms, however, this means that you do not offer the bank anything that they can repay unless you are able to repay the money to the bank. As there is thus a greater risk for the bank, they will normally protect themselves by having a higher interest rate on private loans.

This is where the name blanco loan comes from. “In blanco” means roughly translated “without collateral” and that is, as I said, what applies to a private loan. If you are unable to pay off your loan, the lender can claim the money as much as possible with the help of debt collection . However, it is important that you pay off your loan – otherwise the risk is that you will receive even greater debts due to, for example, interest rates and late fees.

The alternative to a private loan or unsecured loan is a secured loan. This is, for example, a mortgage loan or a car loan where your home or car is used as collateral to repay the money to the lender according to agreement. In these cases, the loan is often cheaper as there is less risk that payment will not be complete.

If you are not going to buy a specific thing of great value for the money you borrow (such as a house, car or boat) then you need to take out a loan without collateral such as a private loan. Private loans usually work well when you want money for, for example, a trip, renovation or when buying something that you cannot use as collateral (eg an expensive TV or sofa etc).

Loan Protection

Something that has become more and more common is that lenders offer a loan protection together with their private loans. A loan cover is a type of insurance that is meant to protect you when you have problems repaying your loan, for example if you were terminated unexpectedly or were hospitalized / hospitalized.

The loan protection goes in and pays your monthly costs for the loan should this happen. Of course, there are rules with each lender for how long you have to be sick or unemployed before the insurance is valid etc. Usually it is 30 days that is standard.

There are also other rules, for example, that you must have a permanent job when you take out the loan and be fully healthy and not be aware that you are about to be terminated etc. There may be slightly different rules for different lenders.

Collect loans with private loans

Collect loans with private loans

Collecting their loans has become popular. It is at least a modern concept. It’s about taking a big cheap loan (usually a private loan) to cover various old expensive smaller loans. By gathering the smaller loans into a large loan with longer interest rates, you save a lot of money on interest costs each month.

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The best loan offer for business Sat, 16 Feb 2019 07:43:31 +0000 The winner of this year’s competition organized by the Loan Magazine information portal in the “Installment loan of the year” category is Aasa Polska. This is a prestigious industry distinction that the brand has received for the second year in a row. In addition, the company was awarded the special prize “Business loan of the year” .

Representatives of Aasa company received awards on 26 January in Wroclaw, during the Loan Magazine Awards. The aim of the ceremony was to highlight products and institutions that have a particular impact on the development of the financial industry, in which the non-banking sector is becoming increasingly important.

Working area

Working area

Aasa is a financial company of the 21st century. We specialize in installment loans granted to clients based on a unique and multi-stage credit assessment process. We deliver our products through an on-line channel as well as through traditional sales channels. We do not provide short-term loans, we care for the development of the market and our client. Aasa Polska, a company with Scandinavian roots on the Polish market, has been operating since 2012.

Business model

Business loan

Reliable credit risk assessment based on traditional parameters used in banks and big data analysis.
A key element of Aasa’s strategy is creditworthiness analysis and close cooperation with the Credit Information Bureau (BIK). Aasa offers installment loans only to people who have successfully passed such an analysis. Spreading the loan immediately into installments and credit risk assessment by an independent institution means that the company grants loans only to those clients who have a chance to return the amount borrowed.
The client’s credit assessment process is very selective, the company pays out an average of one loan for 5 loan applications, in other words the conversion of loan applications is at 20%.


Aasa combines the positive features of the banks’ offer with the offer of loan companies – speed, simplicity, transparency, but also security (no subscriptions with a small print). Each client of the Company is subjected to the creditworthiness assessment process, which happens in real time and takes only a few seconds.
Cooperation with reliable institutions: Biuro Informacji Kredytowej and Biuro Informacji Gospodarczej: Erif and Infomonitor .

Investments in development

Investments in development

Aasa Polska obtained financing in the total amount of PLN 250 million for development. Thanks to them, the company could meet the growing interest of customers with its offer. Within 4 years, Aasa obtained funding from such institutions as Bank Zachodni WBK, Credit Value Investments, Mezzanine Management (a private equity investor operating in Poland and in Central Europe), and the Novator Partners and Olimpia Group, which include owners of P4, the fastest growing telecommunications operator in Poland providing their services under the Play brand.
Number of customers: At the moment, the company has over 200,000 customers.

Certificates and distinctions

Aasa Polska has the certificate of the Company Credible Financially issued by BIG InfoMonitor, the Responsible Business Certificate granted by ERIF Biuro Informacji Gospodarczej SA and the Responsible Lender certificate issued before Loan Magazine. The Aasa loan was granted the titles of “Installment loan of the year” 2015 and 2016 and the title “Business loan of the year” 2016 in the competition organized by Loan Magazine. Aasa Polska is also the winner of the “Laurels of Financial Intermediaries 2016” contest.

High standards of conduct

Aasa also positively passed the verification made by the Ethics Committee at the Conference of Financial Enterprises in Poland in terms of adherence to the Principles of Good Practices in its business practices related to the sale of credit products. Thus, she obtained the KPF Ethical Certificate.

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When will a loan for business help? Wed, 06 Feb 2019 10:57:07 +0000 Do you have a company development plan, but you do not have enough money? Do you want to start a new business? Or maybe a new way of investing in business opens up before you? In each of these cases, the question of money arises. When they are missing, a loan for companies will be a great idea.

corporate loans are an attractive proposition for every company – thanks to them you can finance a variety of expenses that appear on the company’s path, from small ones to very large ones. Loans, unlike loans, are granted for any purpose – we can finance any expense with them without the need to submit documents regarding the costs of a financial institution.

The amount of loans for companies depends primarily on the creditworthiness

It is determined individually on the basis of data or documents provided by the lender. In the case of higher sums, the installment loan may also require security and sureties. We can choose a loan from about PLN 1,000 to several million zlotys. What can we spend this sum on?

we can devote a company loan to:

starting your own business

payment of rent and other bills for renting an office or other space

paying liabilities to ZUS and the US or other fees

purchase of equipment for a company, for example computers and machines

purchase of a company car

ordering materials to conduct business

stocking the store

payment of overdue invoices

company’s expansion into other markets

purchase or construction of real estate

Of course, these are just examples of goals for which a loan for a company can be allocated – there are many more. Therefore, a company that decides to take out a loan will be able to finance any expense from it. In turn, a company loan is already a target loan – we can take it, for example, to buy or build real estate, car, investments or debt consolidation.

What loan for the company is worth choosing?

What loan for the company is worth choosing?

First of all, the loan for companies should be adjusted individually depending on the company’s needs. We must also take into account the requirements set by the institution. When we need a higher amount, then the loan for the company will require a good credit rating and / or additional security or surety.

We can choose between loans granted by banks and non-bank loans offered by loan companies. When you need a quick online loan , choose Aasa Dla Biznesu – our offer is addressed to every entrepreneur who needs financial support. This is an installment loan , which is also intended for new entrepreneurs who have just started their business.

We do not require the submission of registration documents, accounting and banking documents as well as securities and sureties from our clients. All you need to do is complete the loan application found on our website. We invite you to take advantage of our offer in Aasa Dla Biznesu!

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Loan for companies to start Mon, 28 Jan 2019 11:51:48 +0000 Obtaining a loan for a company is not very difficult at the moment – we can decide to take it both in banks and in non-bank companies. We also have a choice of special loans to start, which allow you to get money even from the first day of your business.

The new company has a lot of expenses – they are related to, among others, purchasing the necessary equipment, materials, goods, renting adequate space, advertising. Often, the savings accumulated are not enough to cover them. Then, various institutions come to the rescue, including banks and loan companies.

Although today the loan for start-up companies is not unavailable, we will not find it in every offer. The choice is limited, because it is a risky step for lenders – it is not known whether the new company will cope with debt repayment. As a result, additional restrictions may appear. In connection with them, the question is often asked – is it possible to borrow for companies to start without BIK ?

Who is the loan without BIK for?

Loans of this type are addressed to clients who have entered the list of debtors in debtors’ databases, for example BIK. Most often this is the result of the lack of timely repayment of debt, for example a loan or a loan. All you need is a month of delay to make the scoring, ie the number of credit points, decrease. With low scoring, we can not count on easy access to banking and extra-banking products. However, not all institutions take this information into account.

In addition to BIK, or Credit Information Bureau, money lending institutions also check clients in other databases. Some of them take all of the following databases into account, others only selected ones.

The most popular debtors database is:

ERIF Economic Information Office

Krajowy Rejestr Długów Economic Information Office

BIG InfoMonitor

BIK Biuro Informacji Kredytowej

Bank Register of Debtors

A loan of this kind is mainly an offer for those who could not count on financial support in banks. Banks strictly approach the issue of customer verification, which is why they carefully check them in the above registers. When the scoring is low, ie our credit history will be negative, it will mean refusal to grant a loan or a loan.

This also applies to non-bank companies – we also come to verify customers responsibly in Aasa Dla Biznesu , which is why one of our requirements to obtain a loan is the lack of debts recorded in BIG databases (InfoMonitor, ERIF or KRD).

Is a loan without BIK for the company safe?

Everything depends on what offer you want to use. It is worth to carefully x-ray the loan company to be sure that it is trustworthy. Remember, however, that the lack of checking in BIK databases and in other debtors’ databases translates into higher borrowing costs. Therefore, we will pay more than when we would have chosen a loan in which it is required to not set up debtors’ databases.

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Online non-bank loans for micro and small businesses Fri, 25 Jan 2019 11:04:34 +0000 Obtaining a quick loan is not very difficult at the moment – we can also do it in loan companies. They are chosen willingly by micro and small companies in need of quick financial support. When money is needed right away, we can submit the application without leaving the office!

a loan is often the best solution for a company when it requires additional financial support. With a loan, we can easily cover expenses related to the business and develop the company. This option is often used by micro and small companies, which, unlike large ones, are more exposed to problems with loss of financial liquidity.

After loans for micro and small businesses, we can go to the bank, but this is not the only offer. Also, we can opt for non-bank loans, with which we can cover any expenses related to the business – from stocking the store, through paying invoices, and ending with the purchase of equipment.

Non-bank loans for companies – safe and convenient

Often, we can meet with the conviction that non-bank loans are not safe and by taking advantage of such an offer, we can expose ourselves to a great danger. Nothing could be more wrong – at present we have a wide range of secure loan offers for every entrepreneur, also in a worse financial situation. All formalities will be processed then via the Internet – all you need to do is complete the application and proceed with verification, so that the money can be in your account in a short time.

The advantage of non-bank loans is their easy availability. We can get money more easily than at the bank because the conditions are not so restrictive then. Loans are offered to both companies with a longer period of service and from starting their own business. Most often, we do not have to submit any documents – registration, accounting or banking. We only write a statement in which we indicate the income and expenses we achieve.

We will also need creditworthiness to take a non-bank loan. It is determined based on data contained in databases such as BIK and BIG, which collect information on loans and credits taken. When we have had a delay in repayment in the past or we have not paid off our obligations, our story will be negative. Then we can meet with the refusal to grant another loan.

Loans for micro and small companies

Loans for micro and small companies

At Aasa dla Biznesu , we know very well that micro and small companies have their own special needs. That’s why we have prepared for them fast corporate loans that can be obtained via the Internet. These are installment loans , which we can incur up to PLN 10,000 and up to 24 months. Money can be spent on any expense.

To obtain a loan in our company it is necessary to have an ID card and a positive credit history – we check our clients in BIG databases. We do not require any sureties, securities and delivery of company documents. We invite you to check our loan on the website!

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