The Brazilian scenario has evolved in recent weeks and optimism returns to the market. Needing credit to undertake as a legal entity? Or do you already have the CNPJ open, but have not yet got a loan and would like to understand more why? LoanCo has prepared a post showing the main reasons why financial companies think twice before lending capital for new business:
Delinquency spot CNPJ and CPF
By the latest political developments, lenders and banks are on the alert when offering credit to their clients. The default levels of Brazilians already reach historic numbers and put in check new credit applicants. Institutions think twice about making the same credit offer because it is not only spread that they survive, but also with good payers. The tip is always to be aware of the amount requested . Does it match your monthly income? Is it within your budget in the coming months or is it something that will get you into even more debt?
Due to rising defaults, lenders are analyzing the market further by providing loans. As a result, supply has become increasingly scarce, or even higher. As we said in this last post about the consecutive increase in overdraft interest rate (read more here).
When we apply for credit, whether by individuals or companies, the evaluation criteria are similar. Especially when we talk about negative CPF or CNPJ. In the case of the CPF, when we do not honor the financial commitments we have assumed, this causes the CPF to be sent to Serasa or SPC. With the CNPJ, this happens when the contracts signed are disrespected or there is pending taxes, loans and irregularity in the payment of suppliers. So be careful to plan every step of your business before considering any economic move. Read here our success tips for successful financial planning.
Credit as an individual may be more worthwhile
Wishing the first steps with your own business but couldn’t get credit with the CNPJ? The personal loan is one of the main allies for those who want to build their own business. When in doubt about which line of credit to choose? Personal, payroll or guaranteed? We have an ideal post for you! In it, we indicate the main lines of credit and which one best suits your purpose. Click here and read in full!