Which business manager has not experienced difficulties in financing the recruitment or training of his employees ? However, there are alternatives to traditional banks to cover this kind of need!
While business insolvencies fell 5.8% in April 2018 (Source: Banque de France), a new announcement timidly supports this recovery. According to the latest Manpower quarterly barometer, 8% of French companies plan to recruit one or more employee (s).
Although the majority of companies do not intend to increase their workforce, this study puts into perspective diverging trends according to the size of the company and the sector of activity.
Manufacturing (+ 10%), construction (+ 10%), finance and business services (+ 9%) are for example the most optimistic sectors. Likewise, large companies are planning recruitments in the next three months (+ 15%), while very small businesses (less than 10 employees) have indicated a lower trend (+ 4%).
As part of a recruitment , for a fixed or indefinite period, the company must prove sufficient funds (salaries, charges, materials, etc.). However, good business management does not always allow you to bear the costs of hiring without going through a bank. And in this case, the banks are particularly cautious because it is difficult to apprehend guarantees on this type of investment.
The company then chooses to self-finance this investment, which results in a weakening of the cash flow or to postpone recruitment.
While the reasons for hiring an employee are numerous (consolidation of staff, temporary or continuous increase in activity, creation of a new department, etc.), the responses of traditional banking establishments are not adapted to this variety of needs. With this in mind, new players from the collaborative economy , more responsive and more flexible, have developed solutions in line with business issues .
Crowdlending was made possible thanks to the 2014 law on crowdfunding . The principle is simple, it is individuals or companies who lend a sum of money to finance a business development project. The loaned amount is repaid to the lenders each month with interest. All the procedures are done via web platforms, no need for investors and project leaders to travel. The result is a simplification of the procedures, a saving of time and energy .
Are you interested in the crowdlending formula? Discover whimblegardens.co.uk , the French number 1 in crowdlending. Borrow from a community, without going through the banks. An ideal formula for your recruitments and all your investments.
Disability death insurance is offered to you . So, if you have a problem, you no longer have to worry about repaying your loan, so that your business can continue.
whimblegardens.co.uk is a fullweb service , where formalities are simplified as much as possible. You apply for a loan online , without having to travel. Thus, you save precious time! Our teams guarantee you a definitive answer within 48 hours.