Online credit for self-employed

Freelance, self-employed or liberal profession? Firmancy ® has financing solutions designed for self-employed workers without fixed income.

Credit accessible to self-employed workers.

Firmancy ® understands the reality of variable income for self-employed people. We analyze your turnover over 12 months to determine your real borrowing capacity.

Your activity must be registered for at least 12 months. Provide your last 2 tax notices & a Kbis extract or equivalent.

Analysis based on your annual turnover, not on a fixed salary.
Acceptance of tax notices as proof.
Solutions adapted to regulated liberal professions.
Professional & personal financing on the same file possible.

Apply for a loan

Offers tailored to your profile.

Selected from our financing solutions to precisely match your situation.

Consumer loan

Consumer credit is the category of credit granted to individuals by our structure to finance the purchase of goods & services, major equipment…

Leasing

Leasing is a rental system through which a client rents a property. However, he has a purchase option at the end of the agreed period. Obtain a…

Credit redemption

This solution consists of replacing one or more already existing credits with a single credit, at a rate of 2.17% at Firmancy ®, but amortizable over…

Conditions to be met to obtain credit from Firmancy ®:

Your activity must be registered for at least 12 months. Provide your last 2 tax notices & a Kbis extract or equivalent.

Be a natural person, & be at least 18 years old.
Be provided with one of the following supporting documents: Identity document, Pay stub, Tax notice, Proof of address, Account statement, Bank identity statement.
Kbis extract or activity declaration dated less than 3 months.
2 last tax notices or accounting balance sheets.

A loan binds you & must be repaid. Check your financing capacity before committing.

As a self-employed person, I had difficulty obtaining credit elsewhere. Firmancy ® was able to evaluate my file correctly.

Sarah K. — Freelance UX Design

Questions & answers

An activity of less than 12 months can be studied if you have a personal contribution or a deposit. Contact us for a personalized study.

No. We calculate an average of your income over the last 12 months to establish your repayment capacity.

Firmancy ® asks you for the supporting documents required by law or in accordance with the practices of banking establishments. The precise list of supporting documents that we request will be sent to you by email. We do not ask you for originals, you will simply have to send us these documents by email & sign your contract electronically. Note that we simplify the procedures for borrowers who have already had a first loan with us.

The analysis of the file submitted by the borrower is carried out exclusively by the internal teams of Firmancy ®, which ensures the confidentiality of the information. Unlike many of our competitors. Throughout your credit with Firmancy ®, your personal data remains confidential. Consult the legal notice of Firmancy ® to find out more.

Our success is attributed to our loyal customers & the talent & dedication of our professional & knowledgeable employees. We are always ready to collaborate with you by providing comprehensive financial support to our customers around the world.

ACPR approval AMF registration ISO 27001 certification

A loan binds you & must be repaid. Check your financing capacity before committing.

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Online credit for self-employed

Credit accessible to self-employed workers.