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Advantages for small businesses

Small business owners often struggle to get the funding they require to grow their business. In fact, sometimes they struggle to raise any money at all to even get the business going in the first place. Banks are unwilling to invest in small companies, no mater how worthwhile or exciting the business idea is. In these cases, it makes sense to try another method to raise the money needed, and a personal asset loan is one way to get the company off the ground. Businesses need assets in order to grow, and so borrowing against things that you already own, can be the only chance to raise the money you need.

 

Logbook loans

Secured loans let you extract the value of an asset without the need to sell. Logbook loans take this one step further where, as well as keeping your vehicle, you can also keep using it – all in exchange for logbook documentation! The advantage is that no one need know you have had to take out a loan. In addition you retain use of your prized asset.

What are personal asset loans?

Get a loan secured against your possessions

If you need money quickly, and have been refused a bank loan or other forms of borrowing, then you might consider personal asset loans as one source of income in an emergency. If you have never heard this term before, then you may be asking yourself “What are personal asset loans?” In their simplest form, these loans are secured in the form of personal assets such as vehicles, watches and jewellery. The loans are worked out based on a percentage of the assets’ value. So, for example, you would not get the full price for a vehicle, but might be able to get a loan of 30% of its current sale valuation.

Why Personal Asset Loans Are Better Than Bank Loans

  • Speed: The whole transaction can take place in as little as 24 hours
  • No credit checks or lengthy loan applications
  • A PAL allows you to tap into the equity in luxury assets to secure capital
  • No personal guarantee: Your asset fully supports the loan as collateral

Frequently asked questions

Below you will find answers to common questions our Clients have prior to enjoying our service.

 

How does it work?

We do our loans against security.  Most people use their cars or if they have any items of value like jewellery or watches.

 

Who are you / Are you a bank?

We are registered company that does small loans between €1,000 and €10,000

 

If I use my car do you keep it or can I continue using it?

You continue using it as normal but you need to bring us the original registration certificate and a signed certified vehicle transfer form that we keep at our offices until the loan is paid up.

 

How long do I have before I have to pay off the loan?

Our loans are for a short period starting from 3 months to 6 months.  If you pay your monthly installments on time, we can extend to 9 months or maximum 1 year.

 

How do I pay off the loan?

The company receives a monthly fee (installment) which is based on the loan amount.

You can pay off in 2 ways:

–           either by paying the monthly fee (fixed amount) every month and when you are ready to settle you pay the

loan amount in one lump sum

–           or by paying the monthly fee every month and adding an extra amount from €50 to €200 or more (based

on your financial situation that month).  This extra amount will be deducted from the loan amount and the

following months fees (installment) will be based on the balance of your loan.  This means that every month

both the loan amount and the loan fees are reduced and you can slowly pay off your loan without worrying

about paying off a large lump sum when the time comes for you to settle your loan.

 

Where are your offices?

Ayia Napa

 

 Do you not have offices elsewhere in Cyprus?

No only in Ayia Napa.  You will need to come to our offices only on the day that we sign the contracts and when you settle the loan (so that we can give you the orginal registration certificate and a vehicle transfer form).

 

Do I have to come to your offices to pay the monthly installment?

No, you can send the installment with any of the courier services (Akis Express, Travel Express or ACS) or you can make a deposit directly into our account (details given to you when we sign the contracts).

 

If I use my car as security how do you evaluate it?

You give us certain information about the car on the phone and we contact our associate who will give us a verbal estimate.  Based on this estimate we will inform you if your car covers the amount you wish the borrow or if it doesn’t cover this amount, we will inform you what the maximum amount is that we can loan against your car value. You will also need to come to our offices with this car so that we can see it in person as some times the estimated value of the car is much higher than the actual condition of the car.

 

Do you do student loans?

No.  We can only do loans for permanent residents of Cyprus.

 

Can I get a loan against personal cheques or my salary?

No.  We only give loans against security with personal assets.

 

Can I use my household furniture / appliances as security?

No. We only accept cars or items of value like jewelry or watches.

 

Can I borrow only €500.

The minimum loan we do is for €1,000.  You need to have an asset with a value of at least €3,000 that you can use as security against this amount?

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