Loans 'on declaration' for sole proprietorships (JDG) – myths and facts

Many promises suggest that an entrepreneur will get hundreds of thousands from the bank literally 'on good faith'. The truth is brutal: for a bank, a business is a high risk. Simplified loans are rare, burdened with draconian margins, and the system analyzes BIK and bank transfers anyway. Due to the high cost of acquiring capital by sole proprietors, optimizing on the purchasing side is an absolute priority. Instead of paying a 3% foreign markup to brokers, a conscious businessman enters a direct transaction, protecting their venture's margin.