No annual figures required
No annual figures required. However, a good picture of the entrepreneur is necessary.
For many lenders, annual figures form the basis of a financing application.
At De Mobiliteit Financier, we see things differently.
We believe that an entrepreneur is more than a balance sheet or profit and loss statement. Therefore, we assess every application from a broader perspective.
Our foundation starts with the credit score
The credit score gives us an important initial impression of an entrepreneur's financial reliability. It is a valuable tool, but never the only factor on which we base a decision. We look further after that.
Our assessment consists of four pillars
A good lease application is more than just a calculation.
Therefore, we assess every application based on four pillars:
- The credit score.
- The person behind the entrepreneur.
- Is the value of the vehicle correct?
- Is the vehicle suitable for the work?
Only when these components together provide a clear picture will we make a decision.
Why do we usually not ask for annual figures?
Annual figures tell something about the past.
We are particularly interested in the entrepreneur of today and the company of tomorrow.
Therefore, in many cases, annual figures are not necessary for us to make a responsible decision.
Also for start-ups and young businesses
Start-up entrepreneurs, in particular, often do not yet have extensive annual figures.
That does not automatically mean that financing is impossible.
Through our assessment method, we can regularly offer opportunities, even for starters, where others drop out.
Honest if it’s not possible
Looking at things differently does not mean financing is easier.
It means assessing more carefully.
When we believe that financing is not responsible, we say so.
No is also an answer.
