{"id":3539,"date":"2024-06-24T08:56:46","date_gmt":"2024-06-24T08:56:46","guid":{"rendered":"https:\/\/avafines.wpenginepowered.com\/?page_id=3539"},"modified":"2025-09-03T13:15:45","modified_gmt":"2025-09-03T11:15:45","slug":"per-a-autonoms","status":"publish","type":"page","link":"https:\/\/www.avafin.es\/ca\/prestem\/per-a-autonoms","title":{"rendered":"Pr\u00e9stecs per a Aut\u00f2noms"},"content":{"rendered":"<div class=\"av-slider-container av-slider-behaviour-es av-slider-type-type_seo loan-slider payday\">\n            \n            <section id=\"loan-slider-block_26ddc51c88d426af8d1c8751aa949ea9\" class=\"av-slider av-slider-type-type_seo\">\n                <div class='av-slider-inner' data-slide-product-type='1' data-is-delayed='false' >\n                                        <div class=\"av-main av-last-box-not-empty\">\n                                                <!-- SCROLLER AMOUNT -->\n                                <div class=\"av-box av-first-box amount-slider\">\n            <div class=\"av-box-info\">\n                <p>Quant necessites?<\/p>\n                <div class=\"av-slider-quantity-container\">\n                                                    <span class=\"rangeslider-decrease\">\n                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/themes\/lendon.2\/assets\/images\/minus.svg\" width=\"16\" height=\"16\" alt=\"minus\"\/>\n                            <\/span><!-- span.rangeslider-decrease -->\n                         <!-- filter.av_scroller_disable -->\n\n                        <div class=\"av-scroller-number-content\" style=\"display: flex;\">\n                            <span class=\"amount-display\"><\/span>&nbsp;<span>\u20ac<\/span>                        <\/div>\n                                                    <span class=\"rangeslider-increase\">\n                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/themes\/lendon.2\/assets\/images\/plus.svg\" width=\"16\" height=\"16\" alt=\"plus\"\/>\n                            <\/span>\n                         <!-- filter.av_scroller_disable -->\n                    <\/div><!-- div.av-slider-quantity-container -->\n            <\/div><!-- div.av-box-info -->\n            \n                <div class=\"rangeslider\">\n                    <div class=\"rangeslider-fill\" style=\"width: 0%;\"><\/div>\n                    <div class=\"rangeslider-handle\" style=\"left: 0%;\"><\/div>\n                <\/div><!-- .rangeslider -->\n             <!-- filter.av_scroller_disable -->\n\n            <div class=\"range-info\">\n                <span>\n                                        <span class=\"min-amount\"><\/span>\n                    &nbsp;\u20ac                <\/span>\n                <span>\n                                        <span class=\"max-amount\"><\/span>\n                    &nbsp;\u20ac                <\/span>\n            <\/div><!-- div.range-info -->\n        <\/div><!-- div.av-box -->\n                                <!-- SCROLLER TERM -->\n                                <div class=\"av-box term-slider\">\n            <div class=\"av-box-info\">\n                <p>Quants dies vols tornar-ho?<\/p>\n                <div class=\"av-slider-quantity-container\">\n                                                    <span class=\"rangeslider-decrease\">\n                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/themes\/lendon.2\/assets\/images\/minus.svg\" width=\"16\" height=\"16\" alt=\"minus\"\/>\n                            <\/span><!-- span.rangeslider-decrease -->\n                         <!-- filter.av_scroller_disable -->\n\n                        <div class=\"av-scroller-number-content\" style=\"display: flex;\">\n                            <span class=\"term-display\"><\/span>&nbsp;<span>&nbsp;dies<\/span>                        <\/div>\n                                                    <span class=\"rangeslider-increase\">\n                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/themes\/lendon.2\/assets\/images\/plus.svg\" width=\"16\" height=\"16\" alt=\"plus\"\/>\n                            <\/span>\n                         <!-- filter.av_scroller_disable -->\n                    <\/div><!-- div.av-slider-quantity-container -->\n            <\/div><!-- div.av-box-info -->\n            \n                <div class=\"rangeslider\">\n                    <div class=\"rangeslider-fill\" style=\"width: 0%;\"><\/div>\n                    <div class=\"rangeslider-handle\" style=\"left: 0%;\"><\/div>\n                <\/div><!-- .rangeslider -->\n             <!-- filter.av_scroller_disable -->\n\n            <div class=\"range-info\">\n                <span>\n                                        <span class=\"min-term\"><\/span>\n                    &nbsp;dies                <\/span>\n                <span>\n                                        <span class=\"max-term\"><\/span>\n                    &nbsp;dies                <\/span>\n            <\/div><!-- div.range-info -->\n        <\/div><!-- div.av-box -->\n        \n                        <!-- LAST BOX CTA -->\n                                <div class=\"av-box av-last-box\">\n                                    <div class=\"av-cta-container-outer\">\n                                                <div class=\"av-cta-container\">\n                                                                                <a href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" \n                        data-base-url=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\"    \n                        class=\"av-loan-cta\">\n                        Sol\u00b7licitar pr\u00e9stec.                    <\/a><!-- a.av-loan-cta -->\n\n                                                                <a href=\"https:\/\/portal.avafin.es\/wp-login\" \n                            data-base-url=\"https:\/\/portal.avafin.es\/wp-login\" class=\"av-loan-login-cta\">\n                            \u00c0rea de Clients                        <\/a><!-- a.av-loan-login-cta -->\n                                    <\/div><!-- div.av-cta-container -->\n            <\/div><!-- div.av-cta-container-outer -->\n        <\/div>\n\n                                                        \n                    <\/div><!-- div.av-main  -->\n\n                            <div class=\"av-term-container\">\n                    <div class=\"slider-terms\">\n            <ul>\n                                    <li class=\"total-row av-sum-prio-m-1\">\n                        <div class=\"av-term-inner\">\n                            <span class=\"slider-label\">\n                                <span class=\"register-label\">Total a pagar<\/span>\n                                                            <\/span><!-- span.slider-label -->\n                            <div class=\"bold\">\n                                <div class=\"promo-block display-none\">\n                                                                        <span class=\"original-total\"><\/span>\n\n                                                                        \u20ac\n                                <\/div><!-- div.promo-block -->\n                                                                <span class=\"total\" ><\/span>\n                                \u20ac                            <\/div><!-- .bold -->\n                        <\/div><!-- div.av-term-inner -->\n                    <\/li>\n                                    <li class=\"amount-row\">\n                        <div class=\"av-term-inner\">\n                            <span class=\"slider-label\">\n                                <span class=\"register-label\">Import<\/span>\n                                                            <\/span><!-- span.slider-label -->\n                            <div class=\"bold\">\n                                <div class=\"promo-block display-none\">\n                                                                        <span class=\"original-amount\"><\/span>\n\n                                                                        \u20ac\n                                <\/div><!-- div.promo-block -->\n                                                                <span class=\"amount\" ><\/span>\n                                \u20ac                            <\/div><!-- .bold -->\n                        <\/div><!-- div.av-term-inner -->\n                    <\/li>\n                                    <li class=\"duedate-row av-sum-prio-m-1\">\n                        <div class=\"av-term-inner\">\n                            <span class=\"slider-label\">\n                                <span class=\"register-label\">Data de venciment<\/span>\n                                                            <\/span><!-- span.slider-label -->\n                            <div class=\"bold\">\n                                <div class=\"promo-block display-none\">\n                                                                        <span class=\"original-duedate\"><\/span>\n\n                                                                        \n                                <\/div><!-- div.promo-block -->\n                                                                <span class=\"duedate\" ><\/span>\n                                                            <\/div><!-- .bold -->\n                        <\/div><!-- div.av-term-inner -->\n                    <\/li>\n                                    <li class=\"loan-fee-row\">\n                        <div class=\"av-term-inner\">\n                            <span class=\"slider-label\">\n                                <span class=\"register-label\">Inter\u00e8s<\/span>\n                                                            <\/span><!-- span.slider-label -->\n                            <div class=\"bold\">\n                                <div class=\"promo-block display-none\">\n                                                                        <span class=\"original-loan-fee\"><\/span>\n\n                                                                        \u20ac\n                                <\/div><!-- div.promo-block -->\n                                                                <span class=\"loan-fee\" data-prices-id='loan-fees' data-prices-original-id='loan-original-fees' ><\/span>\n                                \u20ac                            <\/div><!-- .bold -->\n                        <\/div><!-- div.av-term-inner -->\n                    <\/li>\n                                    <li class=\"no-display-row\">\n                        <div class=\"av-term-inner\">\n                            <span class=\"slider-label\">\n                                <span class=\"register-label\"><\/span>\n                                                            <\/span><!-- span.slider-label -->\n                            <div class=\"bold\">\n                                <div class=\"promo-block display-none\">\n                                                                        <span class=\"original-no-display\"><\/span>\n\n                                                                        \n                                <\/div><!-- div.promo-block -->\n                                                                <span class=\"no-display\" ><\/span>\n                                                            <\/div><!-- .bold -->\n                        <\/div><!-- div.av-term-inner -->\n                    <\/li>\n                                    <li class=\"preparation-fee-row\">\n                        <div class=\"av-term-inner\">\n                            <span class=\"slider-label\">\n                                <span class=\"register-label\">Comissi\u00f3 d&#039;obertura<\/span>\n                                                            <\/span><!-- span.slider-label -->\n                            <div class=\"bold\">\n                                <div class=\"promo-block display-none\">\n                                                                        <span class=\"original-preparation-fee\"><\/span>\n\n                                                                        \u20ac\n                                <\/div><!-- div.promo-block -->\n                                                                <span class=\"preparation-fee\" data-prices-id='loan-preparation-fees' data-prices-original-id='loan-original-preparation-fees' ><\/span>\n                                \u20ac                            <\/div><!-- .bold -->\n                        <\/div><!-- div.av-term-inner -->\n                    <\/li>\n                            <\/ul>\n        <\/div><!-- div.slider-terms -->\n                            <div class=\"av-disclaimer\">\n                        <form method=\"post\" id=\"promocode-form\" action=\"\">\n                <div class=\"promocode-container\">\n                    <label for=\"promocode\" class=\"promocode-title\">Codi Promocional<\/label>\n                    <div class=\"promocode-wrapper\">\n                        <input type=\"text\" id=\"promocode\" name=\"promocode\" value=\"\" maxlength=\"20\" title=\"Codi Promocional\">\n                        <button type=\"submit\" id=\"apply_promotion\" name=\"apply_promotion\" value=\"apply_promotion\">\n                        Confirma                        <\/button>\n                    <\/div>\n                <\/div>\n            <input type=\"hidden\" name=\"trp-form-language\" value=\"ca\"\/><\/form>\n                    <div class=\"av-disclaimer-content\">\n                            <\/div>\n            <div class=\"av-modal-container\">\n                                            <button type=\"button\" class='av-modal-links have-dynamic-template' data-template-url='https:\/\/portal.avafin.es\/cf-document\/content?documentType=backend_template&#038;id=eu-form&#038;format=js' data-is-contract='1' data-modal-id='eu-info' >\n                                                                <span>Informaci\u00f3 sobre el pr\u00e9stec<\/span>\n                            <\/button>\n                                        <\/div><!-- div.av-modal-container -->\n                    <\/div><!-- div.av-disclaimer -->\n\n                <\/div><!-- div.av-term-container -->\n        \n                                                <div class=\"slider-modal-wrap eu-info_wrap\"  data-modal-id=\"eu-info\">\n                        <div class=\"slider-modal modal-content eu-info\">\n                            <div class=\"slider-modal-header-container\">\n                                <span class=\"slider-modal-title\">Informaci\u00f3 sobre el pr\u00e9stec<\/span>\n                                <span class=\"slider-modal-close\">\u00d7<\/span>\n                            <\/div><!-- .slider-modal-header-container -->\n                            <div class=\"slider-modal-content\">\n                                                            <\/div><!-- .slider-modal-content -->\n                                                            <div class=\"av-modal-download-container\">\n                                    <a href=\"https:\/\/portal.avafin.es\/api\/template\/dynamicPdf?id=39754&#038;templateVariables=x \" class='btn btn-basic btn-md' download=\"\">Descarregar<\/a>\n                                <\/div>\n                                                    <\/div><!-- .slider-modal -->\n                    <\/div><!-- .slider-modal-wrap -->\n\n                                <div class=\"slider-modal-wrap login-reminder_wrap\"  data-modal-id=\"login-reminder\">\n                        <div class=\"slider-modal modal-content login-reminder\">\n                            <div class=\"slider-modal-header-container\">\n                                <span class=\"slider-modal-title\">\u00c9s el nostre client?<\/span>\n                                <span class=\"slider-modal-close\">\u00d7<\/span>\n                            <\/div><!-- .slider-modal-header-container -->\n                            <div class=\"slider-modal-content\">\n                                <p style=\"font-size: 16px;\"> Si ja ets client, inicia sessi\u00f3 amb el teu usuari i contrasenya:<\/p><div class=\"text-center av-modal-btn-container btn-container\">\n                <a class=\"btn btn-cta btn-md\" data-base-url=\"https:\/\/portal.avafin.es\/wp-login\" href=\"https:\/\/portal.avafin.es\/wp-login\">Inicia Sessi\u00f3<\/a><a class=\"btn btn-basic btn-md\" data-base-url=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\">Registra&#039;t<\/a><\/div><!-- .av-modal-btn-container.btn-container -->                            <\/div><!-- .slider-modal-content -->\n                                                    <\/div><!-- .slider-modal -->\n                    <\/div><!-- .slider-modal-wrap -->\n\n                                \n\n\n                <\/div><!-- div.loan-slider -->\n            <\/section> <!-- section.av-slider -->\n\n        <\/div><!-- .av-slider-container -->\n        \n\n\n<h2 class=\"wp-block-heading\">Pr\u00e9stecs per a aut\u00f2noms<\/h2>\n\n\n\n<p>Tens un comprom\u00eds econ\u00f2mic i per resoldre&#039;l busques <strong>pr\u00e9stecs per a aut\u00f2noms<\/strong> adaptats a les teves necessitats?<\/p>\n\n\n\n<p>A <strong>AvaFin <\/strong>som una financera especialitzada en <strong>pr\u00e9stecs r\u00e0pids<\/strong> enfocats a clients de tots els perfils, inclosos aquells que no poden aportar una <strong>n\u00f2mina<\/strong> com a garantia.<\/p>\n\n\n\n<p>Si ets un <strong>petit aut\u00f2nom<\/strong> o acabes d&#039;iniciar la teva activitat per compte propi, tu tamb\u00e9 tens <strong>acc\u00e9s al cr\u00e8dit<\/strong> que necessites mentre que no arriba el cobrament daquesta factura que est\u00e0s esperant. Demana a la nostra<strong> web<\/strong> un <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/300-euros\/\"><strong>pr\u00e9stec de 300 euros<\/strong><\/a> en molt pocs passos amb unes <strong>condicions<\/strong> f\u00e0cils de complir! A <strong>minuts<\/strong> valorarem la teva sol\u00b7licitud i et farem el <strong>ingr\u00e9s<\/strong>!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Qu\u00e8 \u00e9s un pr\u00e9stec per a aut\u00f2noms?<\/h2>\n\n\n\n<p>Un pr\u00e9stec per a aut\u00f2noms \u00e9s un <strong>producte financer<\/strong> que es dissenya a mida dels requeriments de clients que compten amb un <strong>negoci propi<\/strong>.<\/p>\n\n\n\n<p>Ara b\u00e9, com saps el concepte d&#039;&#039;aut\u00f2noms&#039; engloba realitats molt diverses, en poder abastar des dels <strong>societaris<\/strong> amb treballadors a c\u00e0rrec seu, fins i tot <strong>professionals<\/strong> autoempleats que ofereixen els seus serveis a uns pocs clients.<\/p>\n\n\n\n<p>Tradicionalment, els pr\u00e9stecs per a aut\u00f2noms i l\u00ednies de cr\u00e8dit han anat enfocats a aquells amb <strong>alt volum de negoci<\/strong>, o de perfil financer m\u00e9s robust.<\/p>\n\n\n\n<p>Mentre que els petits emprenedors o els que estaven iniciant la seva activitat per compte propi no tenien opcions a <strong>cr\u00e8dits de quantitats redu\u00efdes<\/strong>, amb les quals obtenir una <strong>liquiditat <\/strong>imprescindible per resoldre <strong>emerg\u00e8ncies financeres<\/strong>. Sempre a l&#039;ordre del dia quan cal afrontar una s\u00e8rie de <strong>despeses fixes<\/strong> de precisi\u00f3 matem\u00e0tica, amb<strong> ingressos<\/strong> que per desgr\u00e0cia no resulten autom\u00e0tics com els de les n\u00f2mines.<\/p>\n\n\n\n<p>Per aix\u00f2, a <strong>AvaFin<\/strong> oferim pr\u00e9stecs per a aquests aut\u00f2noms, donant-los l&#039;oportunitat d&#039;accedir a <a href=\"https:\/\/www.avafin.es\/ca\/credits\/sense-nomina\/\"><strong>cr\u00e8dits sense n\u00f2mina<\/strong><\/a>. \u00a1\u00a1<strong>Informa&#039;t<\/strong> de les condicions!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quins tipus de pr\u00e9stecs hi ha per a aut\u00f2noms?<\/h2>\n\n\n\n<p>Els productes espec\u00edfics que poguessin oferir les <strong>entitats financeres<\/strong> han estat fins ara el que \u00e9s habitual en un <strong>tipus de finan\u00e7ament<\/strong> com aquesta, ateses les peculiaritats que tenen els pr\u00e9stecs per a aut\u00f2noms.<\/p>\n\n\n\n<p>Les condicions d&#039;aquestes modalitats de pr\u00e9stecs bancaris per a aut\u00f2noms s\u00f3n for\u00e7a variables, per\u00f2 en general solen anar orientades a <strong>altes quantitats econ\u00f2miques<\/strong> que apareguin <strong>molts requisits<\/strong>, vinculaci\u00f3 pr\u00e8via i una <strong>tramitaci\u00f3 lenta<\/strong>.<\/p>\n\n\n\n<p>Aix\u00ed, per exemple, entre altres m\u00faltiples requeriments s&#039;exigeix un <strong>pla de negoci<\/strong> que ha de ser avaluat i aprovat pel banc, aix\u00ed com un quadre d&#039;amortitzaci\u00f3 consonant, en qu\u00e8 es desglossin com s&#039;abonaran el capital i els interessos al llarg de tot el <strong>termini d&#039;amortitzaci\u00f3<\/strong>, que \u00e9s el per\u00edode per a la devoluci\u00f3 del pr\u00e9stec.<\/p>\n\n\n\n<p>D&#039;aquesta manera, els pr\u00e9stecs per <strong>aut\u00f2noms i pimes<\/strong> que concedeix una <strong>entitat financera<\/strong> s\u00f3n abans de res per fer inversions, en casos en qu\u00e8 per exemple es vulgui <strong>ampliar un negoci<\/strong>.<\/p>\n\n\n\n<p>La previsi\u00f3 seria que el finan\u00e7ament bancari serveixi per augmentar el volum d&#039;ingressos, i que aquest flux m\u00e9s gran doni per satisfer la<strong> alta<\/strong> <strong>quota mensual <\/strong>o una altra periodicitat curta que demanar\u00e0 l&#039;entitat per tornar el pr\u00e9stec.<\/p>\n\n\n\n<p>Com saps, aquesta soluci\u00f3 no resulta viable per a petits aut\u00f2noms, perqu\u00e8 tot i suposar que tinguessin acc\u00e9s a aquest tipus de pr\u00e9stecs, seria impossible assumir-ne un <strong>pagament addicional peri\u00f2dic<\/strong> d&#039;afegir a la <strong>quota mensual<\/strong> de la Seguretat Social per l&#039;activitat, ia l&#039;abonament del <strong>IVA <\/strong>i la resta d&#039;impostos a <strong>Hisenda<\/strong> (ja sigui amb car\u00e0cter trimestral en el format de pagament \u00fanic o mensual si s&#039;ha sol\u00b7licitat un fraccionament). Al que se sumarien a m\u00e9s els <strong>despeses fixes addicionals<\/strong> que pugui tenir el negoci.<\/p>\n\n\n\n<p>Una altra opci\u00f3 te\u00f2rica de finan\u00e7ament per a aut\u00f2noms serien les <strong>l\u00ednies ICO<\/strong>, que involucren un <strong>organisme p\u00fablic<\/strong> com l&#039;Institut de Cr\u00e8dit Oficial, de manera que:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L&#039;ICO presta els diners i n&#039;estableix les condicions.<\/li>\n\n\n\n<li>L&#039;entitat financera avalua la viabilitat del pr\u00e9stec, n&#039;assumeix el risc i gestiona els fons concedits.<\/li>\n\n\n\n<li>El <strong>sol\u00b7licitant <\/strong>(pot ser aut\u00f2nom, Pime i fins i tot un altre organisme p\u00fablic) \u00e9s el <strong>receptor dels diners<\/strong>, que sempre haur\u00e0 de tornar amb els corresponents interessos, ja que <strong>no es tracta d&#039;una subvenci\u00f3<\/strong>, un pr\u00e9stec a fons perdut i ni tan sols d&#039;un cr\u00e8dit tou que asseguri unes condicions preferencials quant a termini de devoluci\u00f3 i tipus d&#039;inter\u00e8s.<\/li>\n<\/ul>\n\n\n\n<p>A m\u00e9s, la majoria de l\u00ednies ICO actuals estan dedicades a <strong>inversi\u00f3 en projectes<\/strong>, exportacions, transformaci\u00f3 tecnol\u00f2gica o similars. L&#039;\u00fanica l\u00ednia accessible seria la de <strong>ICO Cr\u00e8dit Comercial<\/strong>, que contempla empreses i aut\u00f2noms amb <strong>necessitats de liquiditat <\/strong>que requereixin la bestreta de factures que tenen pendents de cobrament.<\/p>\n\n\n\n<p>Els <strong>requisits<\/strong> per accedir a aquestes l\u00ednies ICO s\u00f3n realment <strong>dif\u00edcils de complir<\/strong>, a causa de les exig\u00e8ncies que posen tant l&#039;organisme p\u00fablic com els bancs, que s\u00f3n en darrer terme els que assumeixen el risc. Tamb\u00e9, la tramitaci\u00f3 comporta <strong>molta burocr\u00e0cia<\/strong> i \u00e9s molt <strong>lenta<\/strong>.<\/p>\n\n\n\n<p>Per tot aix\u00f2, <strong>no suposa una soluci\u00f3<\/strong> per resoldre una<strong> emerg\u00e8ncia<\/strong> com els cr\u00e8dits de <a href=\"https:\/\/www.avafin.es\/ca\/diners\/urgent\/\"><strong>diners urgents<\/strong><\/a> que brindem des <strong>AvaFin<\/strong>, al marge que aquestes l\u00ednies de cr\u00e8dit tinguin una difer\u00e8ncia substancial amb els pr\u00e9stecs que cal tenir molt en compte\u2026<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Difer\u00e8ncia entre un pr\u00e9stec per a aut\u00f2noms i una l\u00ednia de cr\u00e8dit<\/h2>\n\n\n\n<p>Un <strong>pr\u00e9stec per a aut\u00f2noms<\/strong> posa a disposici\u00f3 del prestatari o client el <strong>import total <\/strong>pactat des del principi. Mentre que amb una <strong>l\u00ednia de cr\u00e8dit<\/strong> nom\u00e9s es pot comptar amb la quantitat necess\u00e0ria a cada moment.<\/p>\n\n\n\n<p>\u00c9s a dir, que a un petit aut\u00f2nom que hagi d&#039;afrontar un <strong>desemborsament puntual<\/strong> sempre li vindr\u00e0 millor un <strong>pr\u00e9stec a mida<\/strong>, que li permeti obtenir els diners per resoldre el problema, sense necessitat de ficar-se a <strong>l\u00ednies de cr\u00e8dit<\/strong>, amb tot el que comporten, des de dificultats d&#039;obtenci\u00f3 fins a endeutament a llarg termini.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pr\u00e9stecs per a nous aut\u00f2noms sense aval<\/h2>\n\n\n\n<p>Els <strong>pr\u00e9stecs sense aval ni n\u00f2mina<\/strong> que proporcionem des d&#039;AvaFin s\u00f3n ideals per a petits i nous aut\u00f2noms, ja que faciliten <strong>obtenir finan\u00e7ament<\/strong> amb uns requisits adaptats a la seva situaci\u00f3 de treballadors per compte propi; que o b\u00e9 han comen\u00e7at fa poc a desenvolupar la seva activitat, o simplement tenen un volum esc\u00e0s de negoci.<\/p>\n\n\n\n<p>Oferim <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/rapids\/\"><strong>pr\u00e9stecs r\u00e0pids<\/strong><\/a> per assumir <strong>despeses imprevistes<\/strong>, que pots sol\u00b7licitar <strong>en l\u00ednia<\/strong> des d&#039;una <strong>plataforma web<\/strong> sempre <strong>disponible<\/strong> i obtenir en minuts, per tenir els diners transferits de <strong>immediat<\/strong> al vostre compte.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Com aconseguir un pr\u00e9stec r\u00e0pid per a aut\u00f2noms?<\/h2>\n\n\n\n<p>Si vols <strong>sol\u00b7licitar un pr\u00e9stec<\/strong> r\u00e0pid amb<strong> AvaFin<\/strong> tan sols t&#039;has de donar d&#039;alta com a client, completant amb les teves dades un breu q\u00fcestionari en l\u00ednia.<\/p>\n\n\n\n<p>Tria despr\u00e9s la quantitat que necessitis entre <strong>50 i 300 euros<\/strong>, aix\u00ed com el <strong>termini de devoluci\u00f3<\/strong> a un m\u00e0xim de 30 dies. Tots dos l\u00edmits, l&#039;econ\u00f2mic i el de venciment serien provisionals per a aquest primer pr\u00e9stec com a nou client. De manera que en el futur podem <strong>premiar<\/strong> el teu bon \u00fas del nostre servei financer amb l&#039;acc\u00e9s a <strong>majors quantitats<\/strong> i per\u00edodes damortitzaci\u00f3 m\u00e9s amplis.<\/p>\n\n\n\n<p>Quan seleccions les quantitats i terminis del teu pr\u00e9stec per a aut\u00f2noms veur\u00e0s que t&#039;apareix el <strong>total a tornar<\/strong>, amb els interessos i la petita <strong>comissi\u00f3 d&#039;obertura<\/strong> que cobrem desglossats, ja que volem que els nostres clients puguin comptar amb tota la informaci\u00f3 clau abans de fer la sol\u00b7licitud.<\/p>\n\n\n\n<p>Podr\u00e0s comprovar tamb\u00e9 que els <strong>tr\u00e0mits documentals<\/strong> es redueixen als <strong>imprescindibles<\/strong>, ia m\u00e9s es realitzen tots online de forma f\u00e0cil, r\u00e0pida i c\u00f2moda, gr\u00e0cies a un sistema creat per aix\u00f2 per <strong>AvaFin<\/strong>.<\/p>\n\n\n\n<p>En molt <strong>poc temps<\/strong> completar\u00e0s els passos necessaris per sol\u00b7licitar el pr\u00e9stec, i tindr\u00e0s al teu abast el <strong>diners<\/strong> que necessites.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Avantatges dels nostres pr\u00e9stecs per a aut\u00f2noms<\/h2>\n\n\n\n<p>Els pr\u00e9stecs per a aut\u00f2noms d&#039;AvaFin s\u00f3n una <strong>forma de finan\u00e7ament<\/strong> a mida per solucionar una emerg\u00e8ncia econ\u00f2mica que et pugui sorgir, ja sigui per un <strong>despesa imprevista<\/strong> o per no poder disposar d&#039;un <strong>cobrament amb qu\u00e8 comptaves<\/strong>.<\/p>\n\n\n\n<p><a><\/a> T&#039;oferim una <strong>f\u00f3rmula de pr\u00e9stec flexible<\/strong> ideal per a aut\u00f2noms, en tractar-se de cr\u00e8dits que <strong>no requereixen n\u00f2mina<\/strong> i que pots <strong>personalitzar <\/strong>tant en les quantitats com en els terminis de devoluci\u00f3. Aix\u00f2 \u00faltim que va molt b\u00e9 quan necessites comptar amb una quantitat econ\u00f2mica per avan\u00e7at, sabent que en una data concreta t&#039;arribar\u00e0 l&#039;abonament d&#039;una factura d&#039;un client que sempre paga autom\u00e0ticament a 30 dies; o pel cas tan freq\u00fcent que t&#039;hagin notificat quin dia t&#039;arribar\u00e0 la devoluci\u00f3 d&#039;Hisenda, per\u00f2 encara no disposes de l&#039;ingr\u00e9s i necessites els diners ja pel motiu que sigui.<\/p>\n\n\n\n<p>Aix\u00ed, en con\u00e8ixer exactament quan tindr\u00e0s l&#039;ingr\u00e9s per liquidar el pr\u00e9stec, pots<strong> sol\u00b7licitar-ho<\/strong> per <strong>tan sols aquests dies<\/strong> que et falten per cobrar, de manera que estalviar\u00e0s en els interessos associats a la durada.<\/p>\n\n\n\n<p>Un altre avantatge dels nostres pr\u00e9stecs per a aut\u00f2noms \u00e9s que tens l&#039;oportunitat de gestionar-los <strong>24\/7\/365<\/strong>, i obtenir-los al <strong>instant<\/strong>, ja que com <strong>financera fintech<\/strong> tenim les eines tecnol\u00f2giques precises per concedir <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/urgents\/\"><strong>pr\u00e9stecs urgents<\/strong><\/a>, que et permetran resoldre el teu comprom\u00eds econ\u00f2mic al moment i quedar-te tranquil.<\/p>\n\n\n\n<p>A m\u00e9s, hem dissenyat uns pr\u00e9stecs per a aut\u00f2noms que premien la <strong>fiabilitat<\/strong> i la <strong>confian\u00e7a<\/strong>. De manera que si ets complidor i fas un bon \u00fas del nostre servei financer podem <strong>ampliar<\/strong> per a successives sol\u00b7licituds <strong>terminis i quantitats<\/strong>, fins arribar fins i tot a <strong>pr\u00e9stecs de 1.000 euros<\/strong>.<\/p>\n\n\n\n<p>\u00a1\u00a1<strong>Registra&#039;t <\/strong>a la nostra plataforma per realitzar la teva sol\u00b7licitud i beneficia&#039;t de tots els avantatges dels pr\u00e9stecs per a aut\u00f2noms de <strong>AvaFin<\/strong>!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quins requisits he de complir per demanar un pr\u00e9stec per a aut\u00f2noms?<\/h2>\n\n\n\n<p>En ser pr\u00e9stecs en qu\u00e8 no es pot aportar una n\u00f2mina ni qualsevol altre ingr\u00e9s peri\u00f2dic com <strong>garanties<\/strong>, normalment les que demanem van en conson\u00e0ncia amb les que \u00e9s capa\u00e7 de proporcionar un<strong> aut\u00f2nom <\/strong>que efectua una activitat per compte propi.<\/p>\n\n\n\n<p>D&#039;altra banda, els <strong>requisits<\/strong> serien similars als de <strong>altres pr\u00e9stecs<\/strong> de la nostra financera:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ser m\u00e9s gran de 18 anys i tenir nacionalitat espanyola o perm\u00eds de resid\u00e8ncia en regla.<\/li>\n\n\n\n<li>Comptar amb DNI, NIE o passaport en vigor.<\/li>\n\n\n\n<li>Disposar de targeta de d\u00e8bit o cr\u00e8dit en un banc espanyol.<\/li>\n\n\n\n<li>Tenir un compte en l\u00ednia d&#039;una entitat banc\u00e0ria nacional per efectuar la transfer\u00e8ncia.<\/li>\n\n\n\n<li>Comptar amb n\u00famero de tel\u00e8fon propi per comunicar la concessi\u00f3.<\/li>\n<\/ul>\n\n\n\n<p>Les <strong>condicions<\/strong> per obtenir un pr\u00e9stec per a aut\u00f2noms s\u00f3n <strong>assequibles <\/strong>i adaptades a la teva situaci\u00f3 d&#039;emprenedor que no t\u00e9 un salari o sou fix. Fes la teva <strong>sol\u00b7licitud<\/strong> i si tens algun dubte contacta&#039;ns per <strong>informar-te<\/strong> m\u00e9s detalladament!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quins interessos t\u00e9 un pr\u00e9stec per a aut\u00f2noms?<\/h2>\n\n\n\n<p>Un pr\u00e9stec per a aut\u00f2noms d&#039;aquest tipus \u00e9s un <strong>producte financer<\/strong> de risc per a la financera prestadora, en no comptar amb el suport d&#039;una n\u00f2mina o un avalador per cobrir un possible impagament. Per aix\u00f2, apliqui un <strong>tipus d&#039;inter\u00e8s<\/strong> alt, una cosa que no t&#039;amaguem perqu\u00e8 volem ser <strong>transparents<\/strong> amb tu des del <strong>primer minut<\/strong>.<\/p>\n\n\n\n<p>Amb la mateixa claredat, et diem que en calcular-se sobre les quantitats petites que concedim <strong>no donen lloc a totals molt alts a tornar<\/strong>, com tu mateix podr\u00e0s <strong>verificar <\/strong>si fas la prova al nostre <strong>simulador de pr\u00e9stecs<\/strong>.<\/p>\n\n\n\n<p>A m\u00e9s, amb l&#039;objectiu d&#039;ajudar-te a estalviar a <strong>pagar interessos<\/strong> t&#039;oferim l&#039;oportunitat de <strong>liquidar el teu pr\u00e9stec amb anterioritat<\/strong> a la data de devoluci\u00f3 triada, perqu\u00e8 <strong>no hagis d&#039;abonar<\/strong> els corresponents als <strong>dies que no esgotes<\/strong>, el que pot resultar molt benefici\u00f3s si, posem per cas, reps un ingr\u00e9s imprevist d&#039;una factura que donaves per perduda.<\/p>\n\n\n\n<p>A <strong>AvaFin<\/strong> et posem les coses f\u00e0cils perqu\u00e8 sabem que qui tira endavant un negoci propi de la mida que sigui mai no en t\u00e9. Confia en una <strong>financera referent<\/strong> per <strong>pr\u00e9stecs a aut\u00f2noms<\/strong>!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Altres pr\u00e9stecs relacionats amb pr\u00e9stecs per a aut\u00f2noms<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.avafin.es\/ca\/prestem\/facils\/\"><strong>Pr\u00e9stecs f\u00e0cils<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.avafin.es\/ca\/credits\/sense-nomina\/\"><strong>Pr\u00e9stecs sense n\u00f2mina<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.avafin.es\/ca\/prestem\/600-euros\/\"><strong>Pr\u00e9stecs 600 euros<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.avafin.es\/ca\/prestem\/1000-euros\/\"><strong>Pr\u00e9stecs 1.000 euros<\/strong><\/a><\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-center header-full-dots\"><span>Necessites un Pr\u00e9stec per a Aut\u00f2noms?<\/span><\/h3>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center\">Obtingues-ho avui amb AvaFin<\/p>\n\n\n\n<div style=\"margin: auto;\" class=\"flex flex-res\">\n<a id=\"av-get-loan\" class=\"btn btn-cta btn-lg force-data-base-url\" href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" style=\"display: inline-block; margin: auto\">Sol\u00b7licitar<\/a>\n<\/div>\n<\/div><\/div>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Oferim pr\u00e9stecs online per a aut\u00f2noms ideals per solucionar emerg\u00e8ncies de treballadors per compte propi. S\u00f3n accessibles amb requisits f\u00e0cils!<\/p>","protected":false},"author":19,"featured_media":0,"parent":3527,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-3539","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Conoce nuestros Pr\u00e9stamos para Aut\u00f3nomos 2026 | AvaFin Espa\u00f1a<\/title>\n<meta name=\"description\" content=\"Ofrecemos pr\u00e9stamos online para aut\u00f3nomos ideales para solucionar emergencias de trabajadores por cuenta propia. \u00a1Son accesibles con requisitos f\u00e1ciles!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.avafin.es\/ca\/prestem\/per-a-autonoms\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Conoce nuestros Pr\u00e9stamos para Aut\u00f3nomos 2026 | AvaFin Espa\u00f1a\" \/>\n<meta property=\"og:description\" content=\"Ofrecemos pr\u00e9stamos online para aut\u00f3nomos ideales para solucionar emergencias de trabajadores por cuenta propia. \u00a1Son accesibles con requisitos f\u00e1ciles!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.avafin.es\/ca\/prestem\/per-a-autonoms\" \/>\n<meta property=\"og:site_name\" content=\"AvaFin Espa\u00f1a\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-03T11:15:45+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"9 minuts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.avafin.es\/ca\/prestem\/per-a-autonoms\",\"url\":\"https:\/\/www.avafin.es\/ca\/prestem\/per-a-autonoms\",\"name\":\"Conoce nuestros Pr\u00e9stamos para Aut\u00f3nomos 2026 | AvaFin Espa\u00f1a\",\"isPartOf\":{\"@id\":\"https:\/\/www.avafin.es\/ca\/#website\"},\"datePublished\":\"2024-06-24T08:56:46+00:00\",\"dateModified\":\"2025-09-03T11:15:45+00:00\",\"description\":\"Ofrecemos pr\u00e9stamos online para aut\u00f3nomos ideales para solucionar emergencias de trabajadores por cuenta propia. \u00a1Son accesibles con requisitos f\u00e1ciles!\",\"breadcrumb\":{\"@id\":\"https:\/\/www.avafin.es\/ca\/prestem\/per-a-autonoms#breadcrumb\"},\"inLanguage\":\"ca\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.avafin.es\/ca\/prestem\/per-a-autonoms\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.avafin.es\/ca\/prestem\/per-a-autonoms#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Inicio\",\"item\":\"https:\/\/www.avafin.es\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Pr\u00e9stamos AvaFin\",\"item\":\"https:\/\/www.avafin.es\/prestamos\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Pr\u00e9stamos para Aut\u00f3nomos\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.avafin.es\/ca\/#website\",\"url\":\"https:\/\/www.avafin.es\/ca\/\",\"name\":\"AvaFin Espa\u00f1a\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.avafin.es\/ca\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ca\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Coneix els nostres Pr\u00e9stecs per a Aut\u00f2noms 2026 | AvaFin Espanya","description":"Oferim pr\u00e9stecs online per a aut\u00f2noms ideals per solucionar emerg\u00e8ncies de treballadors per compte propi. 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