INFOGRAFICA: Come gestire gli acquisti di capitale

Man mano che costruisci e fai crescere la tua attività di servizi igienici portatili, dovrai investire in attrezzature: unità, lavelli, camion, forse anche terreno e spazio di magazzino. A seconda delle dimensioni e della frequenza di questi acquisti di capitale, molto probabilmente utilizzerai un qualche tipo di finanziamento.

Quali tipi di finanziamento sono disponibili? Quale opzione o opzioni hanno più senso per la tua attività? Queste sono le domande a cui vogliamo aiutarti a rispondere. Ecco perché abbiamo messo insieme questa infografica per fungere da riferimento mentre gestisci gli acquisti di capitale per la tua attività.

Ti piace questa infografica? Condividilo con i tuoi amici e colleghi!

 

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

Stai cercando di portare la tua attività di toilette portatile al LIVELLO SUCCESSIVO? Scarica la nostra guida GRATUITA: “La tua guida alla gestione di un’attività di toilette portatile”.

Stai pensando di ENTRARE nel settore dei bagni portatili? Scarica la nostra guida GRATUITA: “La tua guida per avviare un’attività di toilette portatile”.

 

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