Kommunicera effektivt med långivaren

Som företagare har du kanske befunnit dig i en situation där du behöver kommunicera med en långivare. Vid sådana tillfällen kan ditt förhållningssätt ibland göra skillnad. Av det skälet ska jag i den här artikeln ge några tips på hur du tar dig an detta på bästa sätt.

Kom ihåg att ni är på samma sida

Du vill ha ett lån för att kunna genomföra någon typ av investering. Långivaren vill ge dig lånet för det är vad deras verksamhet går ut på. Det kan finnas större eller mindre skillnader i era respektive uppfattningar om detaljerna i låneavtalet, men båda vill uppnå samma sak – att lånet går igenom.

Håll dig lugn

Om du väntar på långivarens bedömning av din låneansökan hjälper det inte att du kontaktar hen upprepade gånger. Vissa låneansökningar kräver tid av handläggaren och det förändras inte av att du hör av dig och tjatar.

Om du får avslag

Framför allt för nystartade företag kan det vara svårt att få lån från banken. Detta har i de flesta fall att göra med att banken betraktar ett nystartat företag som en stor risk. De är helt enkelt inte tillräckligt säkra på att du kommer ha återbetalningsförmåga. Konsekvensen blir att du antingen inte får något lån alls, eller att du får ett med hög ränta och tuffa villkor. Men det finns alternativ även för dig.

Ett alternativ för dig som behöver ett företagslån

Engagerar du dig i ett nystartat företag? Då vill du förmodligen inte hålla på med krånglet jag tog upp ovan. Ansök om lån till företag hos Qred istället. Qred är en svensk företagsbank som specialiserat sig på företagstjänster. I den andan har de tagit fram ett företagslån med fördelaktiga räntor som det dessutom är väldigt enkelt att ansöka om. Du använder bankidentifikation när du lämnar in din ansökan online och får svar senare samma dag.

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