The form of employment is very important in the process of debt repayment capacity assessment. It determines not only the amount, but also the very possibility of granting a loan by the bank. It is worth remembering that employment based on civil law contracts is not tantamount to rejecting the application for a cash loan.

The fact that employees earn extra income through an ancillary business is becoming more common. Sideline employment occurs when the business only contributes to a small part of the total income. In many cases, it makes sense to initially practice the planned self-employment as a sideline business and only to convert it into the main