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Here are the most common loan scams and how to avoid becoming a victim. Beware of financing deals that sound too good to be true. Here are the most common loan scams and how to avoid becoming a victim. 6 Business Loan Scams and How to Spot Them. By Guest Post | In: Financing & Credit, Security. By Carl Faulds. Search for personal loans online and you may well run across a few loan scams. Although it can be hard to distinguish them from legitimate lenders making genuine offers, just remember the seven signs of a potential loan scam. In response to many questions I have seen regarding this subject, and many calls I have taken, I felt it was appropriate to provide a guide to help spot potential payday loan collection scams. These tips should be used together, rather than individually, when weeding out illegitimate collectors.
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Sign our petition to demand better. New rules mean more choice as you approach retirement. Join our call for better pensions. Plagued by nuisance calls and texts? Use our tool to report the culprits. This is a variant on the peer lending scam, only this time the individual contacting you will claim to be a wealthy investor with plenty of cash on hand.
After being flattered that your business sounds like an excellent investment prospect, you will be asked to pay for background checks, due diligence paperwork, or legal documentation. The individual or firm in question will approach you, claiming that obtaining business financing is so complicated that you stand no chance without their assistance. Most young businesses have an inadequate credit score. These services are a straightforward waste of time and money, and should not be confused with similar services for personal credit scores, where it is possible to make a difference.
Loan brokers exist to identify the right products for your business, make introductions to lenders, and prepare the paperwork to ensure a smooth process. There are plenty of legitimate and professional brokers, who get paid a commission from lenders for arranging loans; unfortunately, there are also quite a few sharks, who charge upfront fees for the same service.
Tantalising you with the prospect of a generous business loan with very low interest rates—even if your credit score is damaged or incomplete—the scammer will persuade you to part with an upfront arrangement or processing fee.
In particular, be very careful of lenders without physical premises that you can visit or which use generic email addresses, and never give in to hard sell tactics. In short, keep your wits about you and always trust your instincts. As Managing Director of Cashsolv Business Loans Carl offers advice and support to overcome cash flow problems and identify possible underlying problems.
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