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INFOGRAPHIE : Comment gérer les achats d’immobilisations

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  • INFOGRAPHIE : Comment gérer les achats d’immobilisations
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Au fur et à mesure que vous construisez et développez votre entreprise de toilettes portables, vous devrez investir dans du matériel – unités, éviers, camions, peut-être même des terrains et des entrepôts. Selon la taille et la fréquence de ces achats d’immobilisations, vous aurez plus que probablement recours à un type de financement.

Quels types de financement sont disponibles ? Quelle(s) option(s) ont le plus de sens pour votre entreprise ? Telles sont les questions auxquelles nous voulons vous aider à répondre. C’est pourquoi nous avons créé cette infographie pour vous servir de référence lorsque vous gérez les achats d’immobilisations pour votre entreprise.

Comment gérer les achats d'immobilisations

Vous aimez cette infographie ? Partagez-le avec vos amis et collègues !

 

How to Manage Capital Purchases

Bank Loan

What is it?

Funds loaned at interest by a bank for a certain period

What are the pros?
  • Low, fixed interest rates
  • Predictable monthly payments
  • Helps build business credit
What are the cons?
  • Lots of paperwork
  • Long approval process
  • Requires strong credit
How do you get it?
  1. Determine if you qualify
  2. Decide on the type of loan
  3. Compare lenders
  4. Gather documents & apply

Line of Credit (LOC)

What is it?

A flexible loan that consists of a defined amount of money that can be borrowed as needed

What are the pros?
  • Funds can be accessed when needed
  • Enables purchasing flexibility
  • Helps build business credit
What are the cons?
  • Qualifying can be difficult
  • May come with a low borrowing limit
  • Extra charges & fees can add up quickly
How do you get it?
  1. Review your credit score & finances
  2. Compare your options
  3. Check the requirements
  4. Calculate the costs
  5. Gather documents & apply

Commercial Real Estate Loan

What is it?

A mortgage secured by a lien on commercial property as opposed to residential property

What are the pros?
  • Faster & easier approval process
  • Shorter terms
  • More room for negotiation
What are the cons?
  • High interest rates
  • Higher down payments and closing costs
  • Not available to new investors
How do you get it?
  1. Identify a property & put it under contract
  2. Prepare your financial package
  3. Submit financial package for a quote
  4. Choose a loan product
  5. Due diligence & closing

Equipment Loan

What is it?

A loan used to purchase business-related equipment

What are the pros?
  • No collateral requirement
  • Flexible terms of repayment
  • Total ownership of equipment once the loan is repaid
What are the cons?
  • High interest rates
  • Equipment could become obsolete or depreciate by the time the loan is paid off
  • Usage is restricted to equipment
How do you get it?
  1. Review your credit score & finances
  2. Have a solid business plan
  3. Update your personal resume
  4. Gather cash flow statements/documents & apply

Asset-Based Loan

What is it?

A loan that uses existing company assets as security

What are the pros?
  • Ownership of existing assets is maintained as long as you remain in good standing
  • Makes capital immediately available
  • Enables purchasing flexibility
What are the cons?
  • High interest rates
  • Assets are forfeited if you default on payments
  • Doesn’t immediately increase the value of the company
How do you get it?
  1. Identify the assets you will offer as collateral
  2. Apply with a lender
  3. Make a preliminary commitment
  4. Go through an asset audit

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Vous cherchez à faire passer votre entreprise de toilettes portables au NIVEAU SUIVANT ? Téléchargez notre guide GRATUIT : « Votre guide pour exploiter une entreprise de toilettes portables ».

Vous songez à entrer dans l’industrie des toilettes portables ? Téléchargez notre guide GRATUIT : « Votre guide pour démarrer une entreprise de toilettes portables ».

 

How to Manage Capital Purchases

Bank Loan

What is it?

Funds loaned at interest by a bank for a certain period

What are the pros?
  • Low, fixed interest rates
  • Predictable monthly payments
  • Helps build business credit
What are the cons?
  • Lots of paperwork
  • Long approval process
  • Requires strong credit
How do you get it?
  1. Determine if you qualify
  2. Decide on the type of loan
  3. Compare lenders
  4. Gather documents & apply

Line of Credit (LOC)

What is it?

A flexible loan that consists of a defined amount of money that can be borrowed as needed

What are the pros?
  • Funds can be accessed when needed
  • Enables purchasing flexibility
  • Helps build business credit
What are the cons?
  • Qualifying can be difficult
  • May come with a low borrowing limit
  • Extra charges & fees can add up quickly
How do you get it?
  1. Review your credit score & finances
  2. Compare your options
  3. Check the requirements
  4. Calculate the costs
  5. Gather documents & apply

Commercial Real Estate Loan

What is it?

A mortgage secured by a lien on commercial property as opposed to residential property

What are the pros?
  • Faster & easier approval process
  • Shorter terms
  • More room for negotiation
What are the cons?
  • High interest rates
  • Higher down payments and closing costs
  • Not available to new investors
How do you get it?
  1. Identify a property & put it under contract
  2. Prepare your financial package
  3. Submit financial package for a quote
  4. Choose a loan product
  5. Due diligence & closing

Equipment Loan

What is it?

A loan used to purchase business-related equipment

What are the pros?
  • No collateral requirement
  • Flexible terms of repayment
  • Total ownership of equipment once the loan is repaid
What are the cons?
  • High interest rates
  • Equipment could become obsolete or depreciate by the time the loan is paid off
  • Usage is restricted to equipment
How do you get it?
  1. Review your credit score & finances
  2. Have a solid business plan
  3. Update your personal resume
  4. Gather cash flow statements/documents & apply

Asset-Based Loan

What is it?

A loan that uses existing company assets as security

What are the pros?
  • Ownership of existing assets is maintained as long as you remain in good standing
  • Makes capital immediately available
  • Enables purchasing flexibility
What are the cons?
  • High interest rates
  • Assets are forfeited if you default on payments
  • Doesn’t immediately increase the value of the company
How do you get it?
  1. Identify the assets you will offer as collateral
  2. Apply with a lender
  3. Make a preliminary commitment
  4. Go through an asset audit

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