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INFOGRAFICA: Come gestire gli acquisti di capitale

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  • INFOGRAFICA: Come gestire gli acquisti di capitale
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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.

Come gestire gli acquisti di capitale

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

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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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