3 questions you should ask yourself before applying for loans online

Online loans are one of the most common current ways to get out of trouble, no matter where you are, you can always access one of them

The ease with which you can apply for a credit online allows you sometimes not to ask yourself some questions that are truly important when asking for this help. However, for your personal finances, you need to be aware of the responsibility to take this step in a planned, thought and organized way.

Take careful note of the following list of questions and at the time you are going to request a loan, review it, in this way you will be more sure of the decision you are going to make:

1. What do I need the credit for?

Something you should keep in mind, is that it is not very helpful for you to apply for a loan if you do not have a clear idea of what you are going to use it, in this way, the money that arrives in your bank account can evaporate easily in things that are not They have a clear utility and that definitely will not help you much.

The first thing you must define is the use that you will give to the money that you are going to request, be it for an emergency, pay a delay in your bills or an unforeseen expense that arose, the important thing is that you do not do it if you need it, but what do because it is the right solution for a critical moment that you go through.

2. Can I pay it in the time that the financial institution gives me?

Generally, the time they give you in financial companies to pay the total debt is 30 days, so it is important and necessary that you make a projection and analyze exactly if in this time you will have the capacity to make the payment.

Something you should keep in mind is that in entities like Rapicredit, if you do not make the payment in the stipulated time, you run the risk of being reported in a negative way in credit bureaus and what you do not want is to make the situation worse, but on the contrary , have this door open for future occasions when you need it again.

3. Does the amount they accepted really help me?

When you apply for your credit you put an estimated amount of what you need, however, when doing the credit study these entities calculate an average of what they can lend you based on your credit history, score in credit bureaus and debt capacity.

For this reason, it is possible that, when your credit is approved, the authorized amount is lower than the amount you requested. At this time it is important that you calculate if it is really worth acquiring credit if the money you were authorized covers the need you have or if on the contrary, this would worsen your financial situation.

As you can see, the 3 questions you must ask yourself must be answered in an honest and clear way, because in this way you can have a clearer control and order of your economy and make appropriate decisions at the right time.

Remember that at Gad Capital we lend you free money, that is, you can use it for what you need and you can access our loans from wherever you are.

The Execyl Foundation provides the keys to financing at the service of companies


Fundación Execyl.

Teresa Cetulio, president of Execyl, was in charge of welcoming the attendees by presenting the Commission on the ‘Keys to financing: at the service of companies’.

In his speech, Cetulio has highlighted “the importance of this commission within Execyl, aimed at providing knowledge on essential issues to undertake in the most classic sense, as well as to undertake within the companies themselves. otherwise, part of these core contents and it is a luxury to know first-hand both the strategic plan of Iberaval and the experience and the keys that SMEs use to obtain the necessary financing “.

After the presentation of the day, Cetulio has given way to Pedro Pisonero, general director of Iberaval, who has shelled his Strategic Plan 2017-2019, explaining the operation and direction of this guarantee society and making known what are his priorities, challenges, and objectives that can serve the tool companies in order to obtain financing.

The new Strategic Plan of Iberaval has among its main areas of action the multichannel and digitalization of processes, the expansion of commercial segmentation, the strengthening of strategic alliances and a model of economically sustainable growth.

These are ambitious objectives that, according to statements by Pisonero, “will be articulated through a dozen action plans aimed at strengthening the operation, customer service, and modernization of the entity.”

In this same line, trying to bring companies experiences and guidelines that facilitate a negotiation as fruitful as possible with financial institutions, the director of business development AmbiNor, Mauricio Bermejo, has shared with all present a success story that your company puts into practice when it comes to getting financing in an effective way and within reach of anyone.



“When it comes to managing the financing of a company, the quantity obtained is as important as its quality and the adaptation to the real needs of the company.” In this sense, a good planning is essential, as is establishing an adequate process. work during the negotiation with the entity to obtain conditions that are favorable, “says Bermejo.

Several interventions have served to generate an interesting debate and exchange of experiences regarding the search and negotiation of financing, moderated by Cecale, among the different assistants to the Commission: Michelin, Bodega Laderas de Valverde, Collosa, CaixaBank, Cecale, Confaes, Ediesa Group, Edipro, SpainDuero, Caja de Burgos Foundation, Iberacústica, Interbús, Vital Innova, AmbiNor and Iberaval.

Execyl is a private foundation consolidated as the Forum of reference at a regional level in the exchange of ideas and experiences of companies to achieve excellence in their business models. Efficiency, Innovation, ICT, and Support for Entrepreneurs and Entrepreneurs make up its four main lines of action.

At present, around 65 successful companies from Castilla y León, representative of the different activity sectors, actively belong and collaborate actively with Execyl, seeking to share knowledge and real experiences in order to make this region a collaborative, competitive and sustainable business environment.

Looking to the future, the Execyl Foundation works to break down barriers and lead new ways of doing business, trying to emphasize not only the results but especially how to achieve them.

Iberaval is the guarantee company (SGR) of Castilla y León. It is a non-profit financial entity that provides financing to SMEs, self-employed workers, and entrepreneurs, through guarantees.

It has public participation-the Board, through ADE, has 14 percent of the shareholding and the support of banks and employers, although the bulk of its capital is contributed by the participating partners, which are the entrepreneurs who, for getting a technology dollar loan or credit, become associates.

The great advantage that Iberaval brings is that it lengthens deadlines and reduces costs and types of costs. So, the quota for an Iberaval partner is always lower if it has an endorsement and allows you to amortize amounts in a longer period of time.

In addition, in Castilla y León, the regional government offers financial support and bonuses from programs such as ADE Financia, which has reached its 17th edition this year, and which reinforce that vocation of support for companies.

For its part, AmbiNor is a company oriented to provide companies and administrations with all the technical, legal and administrative support necessary to achieve success in projects with environmental implications or content. This company, which was born in the region 15 years ago, is present in different parts of the national territory, as well as in Central America.

Adimur executives meet with banking representatives to analyze the financial sector



Imagen del encuentro

Image of the SPOKESMAN meeting

Analyze the situation of banking and integration processes, the challenges facing the Spanish and European banks, the purchase of Banco Popular, the evolution of the different economic sectors of the Region have been some of the objectives of the work lunch organized by the Association of Directors of the Region (Adimur) with four financial entities operating in the Region.

At lunch work, sponsored by BAL Partners, Manuel Ruiz Escudero, president of Caja Rural Central; Olga Garcia Saz, Levante territorial director of BMN; Emilio Valencia Concha, territorial director of Murcia de Cajamar; and Carmelo Vera Hernández, regional director Murcia Sabadell Bank Center, according to sources of the spokesman in a statement.

The president of Adimur, Javier Navarro, stressed during the presentation that “the financial sector is one of the economic sectors that has suffered most during the crisis and still faces important processes of change such as the acquisition of Banco Popular”. He added that “a healthy and active banking is a sine qua non condition for a strong economy”. The president of Adimur was also concerned about the excess liquidity of the ECB and the federal reserve and the possible bubbles of sovereign debt that may be generated.

The regional director Murcia Sabadell Bank Center, Carmelo Vera Hernández, spoke about the digital challenge. In this regard, Vera pointed out that “Sabadell is committed to the customer experience as a long-term competitive advantage, 50% of our customers are digital and that is reason enough to mobilize the entire organization.”

“The bank is immersed in an intense process of transformation that has as a fundamental focus the client, based on its figure, our entity is weaving a new relational model that combines digitalization, the development of a comprehensive strategy of all its service channels. and the human factor, “he has indicated.

For his part, the territorial director of Murcia of Cajamar, Emilio Valencia Concha, has focused his intervention on the value of advice and the new model of Cajamar’s office. The attendees stressed that banks seek to reinvent the role of branches in their business, which, on the one hand, represent an important expense item, but also serve to build customer loyalty and provide a service to those who have not yet taken the digital step.

Valencia has affirmed that “in Cajamar we are going to try, as up to now, to give them the best of ourselves personally and digitally.” Our goals for the future are training, advisory services of the highest quality, proximity and commitment. all united by dialogue, communication and information with our customers, because it is the best formula to progress. “

The territorial director Levante de BMN, Olga García Saz, has focused her speech on the Law for the promotion of business financing, which “has as one of its fundamental objectives to promote and encourage the financing of small and medium enterprises (including self-employed workers) ) through two complementary channels: make banking financing more flexible and accessible and develop alternative means of financing “.

He also clarified that “one of the reasons that make it difficult to achieve the first objective is the informational asymmetry faced by credit institutions when they grant financing to SMEs, which complicates and makes it necessary to assess their risk”.

Finally, the president of Caja Rural Central, Manuel Antonio Ruiz Escudero, spoke about the solvent demand and stated categorically that “in the financial sector we are looking forward to receiving credit applications”.

Adimur is formed by more than 150 managers and executives of multinational and national companies with interests in the Region, as well as regional companies. Its objective is the growth and professional and personal development of the associate directors, as well as being a forum for the exchange of ideas and reflections on society and the role of the directors in it. It also aims to serve as a communication channel for managers with institutions and civil society.

The Judicial Police implicates Artur Mas in the illegal financing of CDC



Artur Mas

The former president of the Generalitat and president of the PDeCAT, Artur Mas, during the press conference in which he confirmed that he takes “another step to the side” to leave the presidency of the PDeCAT, a decision he has been meditating for some time, before 1 October. QUIQUE GARCÍA / EFE

The former president of the Generalitat of Catalonia Artur Mas would also be involved in the irregular financing of the campaigns of the Democratic Convergence of Catalonia (CDC), according to the report that the Economic and Fiscal Crime Unit (Udef) of the General Commissariat of Judicial Police and that gathers the newspaper El Mundo .

In this document, which implies for the first time the expresident in this case, the Judicial Police maintains that ” new responsibilities have to be attributed” to Mas for maintaining the system established by Jordi Pujol to finance the providers of the electoral campaigns of the training nationalist. He also considers the ex-treasurer of the party Daniel Osácar responsible for this operation.

Artur Mas, who already appeared a little less than a year ago in the Parliament to give explanations about the alleged irregular financing of CDC, said at that time that it was not “unpolluted” but legal . In addition, earlier this year, the former president declared that he maintains his trust in Osàcar, for whom the prosecutor asks for eight years in prison for the Palau case . “I know him and I still think he’s faultless,” he said in an interview on the program El Objetivo .

Now, the Judicial Police has discovered a new bank guarantee conferred by the Sabadell Bank of Andorra, when Mas was president, to the same companies that carried out electoral events of the CDC during the electoral campaign for the 2000 general elections. El Mundo , the report points out that the guarantors are again stuck in the Pujol environment and among them is the businessman Francesc Robert , ex-partner of Pujol Jr. and former director of Andorran television.

In this sense, Udef considers that this practice of endorsing CDC providers from Andorra with funds under the control of the Pujols and their immediate surroundings remained at least “until February 2006” . So, in addition to extending the responsibility of these facts to Mas, Udef argues that it should also affect former treasurer Daniel Osácar, who controlled the party’s finances “since March 2005”, replacing Carles Torrent, who personally took charge to implement the financing of the referred 2000 elections.

According to the investigators transferred to the judge of the National Court that instructs the Pujol case, José de la Mata, that “thanks to the completion of the judicial requirement” it is known that one of the advertising companies that worked for CDC, Altraforma , benefited from “a loan policy” signed before a notary on March 19, 2004 amounting to 400,000 euros. A money that would entail the collection of the jobs commissioned in the elections four years before and that “had remained dormant since June 2003 until the payment of the new liquidity is recorded”.

An operation that for them was presented as “very suspicious, unrelated to normal economic practice and very similar to what was observed during the investigation of the Palau case”. And is that “the massive release of formal payment instruments such as checks was credited, with the sole purpose of presenting them to collection at the window and subsequently having the cash withdrawals , so that it became impossible to trace the money”.

In this sense, the Udef stresses that “the court ruling recognizes ‘the operational scheme when disguising the transfer of funds with the use of bearer bets made effective at the cashier’s window and then delivered in cash to the treasurer of the political formation’ and that among the merchants involved in this system were Altraforma and Hispart “, entities endorsed by the Pujol.