Hello, I'm about to launch a new tiny business, a mobile streetfood restaurant/takeaway/traiteur (deli) Le Lunchbox de Pandore - or "LP" for short in French title-speak.
So, I need some "eLP!" please.
My dilema is, I have to create a brand new small business account in order to register us as a SARL and I don't trust ANY of our esteemed financial institutions to....
a.give me a fair rate of charges
b.not run off with my very hard earned profits when the banks crash again
I am not going with my own €ankers Credit Agricole, as my personal business advisor/investment banker there refused to loan to us on the grounds that the profits might mostly be coming from the UK for the first few seasons.
I am tempted to chose CIC, not "parce-ce-que le monde bouge" at all, but because their business advisor here in my own town, although refusing the loan application, was at least positive about the project, seemed interested, helpful, civil and not impatient with my language deficiencies.
Of course, personal advise & a positive attitude is priceless. So CIC are front runners so far.
Seeing as how we are probably receiving the loan from the charity ADIE, we could use whatever bank they are linked with, however, they are equally likely to tell me to do this myself as I guess they won't be wanting to seem in any bank's pocket.
Any advice, experience or suggestions of criteria welcome...when I read the gumf the banks publish, it's all pretty vague and promisey, or so full of small print that I get bored and drift away to La-La land.(oh, I am already living here)
Our turnover will be small, tho registered for VAT in france
I'm also looking for a bilingual certified accountant, to help set up the first year's books and some simple accounting software that can be used on my laptop so if anyone has any recommendations or wishes to contact me i'd be very glad to hear about that too.
I've been given a grant to pay for the software so I can afford professional stuff - YAY!