Are you a dentist, liberal nurse, doctor or pharmacist? To carry out your activity with complete peace of mind, you must finance very specific needs . Buy your medical equipment, your professional vehicle, your furniture or even your software thanks to the new participatory loan solution.
In 2014, INSEE listed no less than 1,175,000 healthcare professionals in France, including 355,000 people from the medical and pharmaceutical professions and 820,000 medical auxiliaries. Among these professionals, 400,000 were in private practice, including many nurses, midwives, veterinarians and speech therapists.
On a daily basis, healthcare professionals have specific needs, such as:
The financing of the installation : from the buyout of customers, through the development work, renovation and the purchase of medical equipment
The acquisition or modernization of premises : to afford a new workplace, more spacious, more pleasant or to arrange it differently
Cash management : Social security payment delay or occasional drop in activity.
Simplifying your collections : by adopting modern solutions for faster and easier processing
Financing your professional vehicle : An essential tool for visiting patients.
To finance their projects, different types of credits are available to health professionals, such as:
Leasing : It is a very simple loan solution, taken out to finance new goods. With leasing, you have the advantage of not depreciating your property and of deducting all rents for tax purposes. An interesting option for your projects (Example: dental chair, pharmacy automatons, scanners).
The overdraft facility : You have an envelope in the event of a cash flow lag, in the event of late payment, recall of charges, or even in the event of a drop in activity.
Medium and long term loans : They will only be used by banks for the purchase of business assets etc.
Bank credit is, of course, a good option. But today, in a context of crisis, banking establishments are more and more cautious. As a result, many professionals, especially in the health sector, experience refusals, including for small sums.
Another solution, for professionals, that of self-financing. It is a question, here, of drawing on its own funds. But here, the financial structure is weakened.
Finally, the alternative of leasing also has something to seduce. Renting rather than buying allows you to have equipment that is always new and in perfect working order. Now, for example, you can rent clean work coats, flooring or computer equipment. But for now, leasing remains relatively expensive and does not cover all the needs of healthcare professionals.
Crowdlending or participatory loan has developed significantly since its arrival in France in 2014. Its principle? A natural person or a company lends a sum of money to finance a project. Then this sum must be returned, with interest according to the terms of the contract.
Crowdlending is adapted to the needs of medical professionals, because it can finance material and immaterial needs, that is to say both the purchase of a room or car as the investment in training.
According to the business barometer, May 2017 is a record month for French crowdlending. In this month alone, over US $ 15 million was funded. Between January and May 2017, 287 business projects were funded for a total of nearly US $ 45 billion.
Finance your project without going through a bank with whimblegardens.co.uk, the French leader in crowdlending. The platform allows companies and individuals to lend directly to healthcare professionals in order to finance a development project. whimblegardens.co.uk can grant loans of $ 20,000 to € 2.5 million as needed, for a period of 12 to 60 months.
Dentist, orthopedist or nurse, do you want to invest in medical equipment or do you need to finance your cash flow? Discover whimblegardens.co.uk's crowdlending solutions, dedicated to financing healthcare professionals.