Show several years and current development
Self-employed finance
Present sustainable income and business development clearly
Self-employed income is assessed differently from a fixed salary, so clear information across several periods is particularly important.
What you should know
Self-employed finance
Lenders commonly consider several years, income stability, drawings, liabilities and purpose. One year’s result is rarely the whole picture.
Separating personal and business information helps explain investment, exceptional costs or a one-off weaker period.
What matters in a sound solution
Self-employed finance
Separate personal and business commitments
Explain purpose and expected economic benefit
Retain adequate liquidity after financing
Who this may be suitable for
- Sole traders and professionals
- Owner-managers
- Small businesses seeking investment or working capital
- Self-employed people with a personal financing need
Documents commonly needed for review
- Annual accounts or income-and-expense records
- Current management accounts
- Tax assessments where required
- Business and personal bank statements
- Plans, quotations or investment evidence
How a request with kredit4you.at works
How a request with kredit4you.at works
Start your request
Choose the financing type and enter the key details.
Review the situation
Income, current commitments, amount and purpose are considered together.
Complete documents
Only documents required for your case are requested.
Compare possibilities
Suitable routes are assessed. A binding decision can only be made by the lender.
Agree next steps
You receive a clear explanation and decide how you wish to proceed.
Frequently asked questions
Frequently asked questions
How many trading years are required?
It varies by lender; several completed years and current figures are often requested.
Can variable income be financed?
It can be assessed where sustainable repayment capacity is evidenced.
Are personal and business loans assessed separately?
Yes. Purpose, borrower and repayment source must be clear.
Can a one-off loss be explained?
Yes, with supporting documents; the lender makes the final assessment.
Which figures matter?
Revenue, profit, cash flow, liabilities, drawings and current performance.
This content provides general information and does not replace an individual credit assessment. Terms, feasibility and the lending decision depend on personal details, documents and the rules of the respective lender.
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