Loan for the self-employed

We know that being self-employed is a real challenge, which is why we want to offer financial solutions to keep your project moving forward. We believe that with the right liquidity, your project can become something big.

At Prestamo Capital we focus on mortgage-backed loans to solve any liquidity problem.

To access our loans for the self-employed it’s essential that you have a property in your name to put up as collateral. Mortgage loans use a property, such as a flat, house or commercial premises, as a guarantee of repayment.

If you have a property in your name and a stable income, then you can access our private capital loans.

It’s important to mention that the property used as collateral must be mortgage-free or with a small outstanding charge. If that’s not your case, you can always use the property of a friend or relative who wants to lend you a hand. In that situation, you’ll appear as the borrower, and the property will remain as collateral.

A loan for the self-employed can be the financial solution you need, to keep making a living from what you love. You can use this money to:

• Pay off debts.
• Renovate your premises.
• Hire new suppliers.
• Invest in services.
• Or simply gain liquidity to continue your operations without risk.

At Prestamo Capital we are also specialists in loans for new self-employed professionals, so you can start your project in the best possible way.

Unlike other financial institutions, we’ll only ask for a property as collateral and a certificate of stable income to access our loans. This income can come from a salary, but also from rents, rental properties and more.

Applying for a private capital loan is very simple; it’s a process that can be done almost entirely online and without paperwork. We’ll only ask you for 3 things to start the process:

• Title deed of the property used as collateral.
• DNI or identity document.
• Certificate of stable income.

With our loans for the self-employed you can access from €20,000 to €3,000,000 depending on the appraised value of your property. At Prestamo Capital we can offer up to 40% of your property’s price to make sure it’s an amount you’ll be able to repay comfortably in the future.

What if I’m newly self-employed?

If you meet the requirements, you can apply for our loans for newly self-employed professionals. It doesn’t matter whether you’re just starting your project or have been in business for years. At Prestamo Capital we want to help all self-employed professionals fulfil their dreams and overcome the financial barriers that hold them back.

Can I apply for the self-employed loan online?

We want the process of applying for a loan for the self-employed to be very simple, so you can access the liquidity you need without delay. To that end, we have an online application system.How does it work? You just need to fill in our contact form and attach the necessary documentation to get started.

You can apply for your loan using the form on the page website, by email or by calling us. Within 24 hours of your application, our team will contact you to start the process and advise you on your decision.

A very simple process that can be done entirely online application system. The only in-person step is signing the contract, which takes place before a notary as required by Spanish loan regulations. Getting a loan for the self-employed only takes 5 steps:

1. Loan application.
2. Negotiation with our team.
3. Property valuation.
4. Signing the contract.
5. Granting of the loan.

Throughout the process you’ll have at your disposal a team of professionals who will advise you on the best financial alternative for you. Bear in mind that to define the total loan amount we assess the property’s value and your stable income. This is to make sure you can repay the loan without affecting your finances.

We also offer very flexible repayment terms, from 10 to 20 years, so you can repay your loan with peace of mind. This is perfect for loans for the newly self-employed, as you’ll enjoy the liquidity you need today but pay when your business is more established.