logo-newlogo-newlogo-newlogo-new
  • Member Home
  • Lidwoord
    • Opstarten van bedrijven
    • Verkoop & Marketing
    • Medewerkers & HR
    • Vrachtwagens, uitrusting en techniek
    • Operationele verbetering
    • Fun & Entertainment
    • Zakelijk & Naleving
    • International
  • Classified
  • Ask a PRO Forum
  • JohnTalk Vault
  • JohnTalk-nieuwsbrief
  • Neem contact op
  • Inloggen voor Leden
✕

INFOGRAFISCH: Kapitaalaankopen beheren

  • Home
  • Lidwoord
  • Zakelijk & Naleving
  • INFOGRAFISCH: Kapitaalaankopen beheren
Werknemers aannemen en behouden tot in de zomer van 2021
maart 7, 2022
INFOGRAFISCH: Een voordelenpakket maken
maart 7, 2022
Show all

Terwijl u uw bedrijf voor draagbare toiletten opbouwt en uitbreidt, moet u investeren in apparatuur: units, spoelbakken, vrachtwagens, misschien zelfs land- en magazijnruimte. Afhankelijk van de omvang en frequentie van deze kapitaalaankopen, zult u hoogstwaarschijnlijk een of andere vorm van financiering gebruiken.

Welke soorten financiering zijn er? Welke optie of opties zijn het meest logisch voor uw bedrijf? Dit zijn de vragen die we je willen helpen beantwoorden. Daarom hebben we deze infographic samengesteld om als referentie te dienen bij het beheren van kapitaalaankopen voor uw bedrijf.

Kapitaalaankopen beheren

Vind je deze infographic leuk? Deel het met je vrienden en collega’s!

 

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

Get the JohnTalk “ALL-ACCESS PASS” & become a member for FREE!

Benefits Include: Subscription to JohnTalk Digital & Print Newsletters • JohnTalk Vault In-Depth Content • Full Access to the JohnTalk Classifieds & Ask a PRO Forum

Click here to learn more.

Wilt u uw bedrijf in draagbare toiletten naar een hoger niveau tillen? Download onze GRATIS gids: “Uw gids voor het runnen van een mobiel toiletbedrijf.”

Denkt u erover om in de draagbare toiletindustrie te stappen? Download onze GRATIS gids: “Uw gids voor het starten van een mobiel toiletbedrijf.”

 

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

Related posts

maart 7, 2022

Stijgende kosten in kunststofproductie


Read more
maart 7, 2022

Problemen met internationale vracht


Read more
maart 7, 2022

Verwachte brandstofkostenstijgingen en hoe deze u beïnvloeden


Read more

Geef een antwoord Reactie annuleren

Het e-mailadres wordt niet gepubliceerd. Vereiste velden zijn gemarkeerd met *

The JohnTalk project is designed to be your go-to resource for all the information you need to start a portable sanitation operation or improve your existing portable restroom business.
  • Home
  • Lidwoord
  • Classified
  • Ask a PRO Forum
  • Neem contact op
  • Inloggen voor Leden

Brought To You By

www.polyjohn.com
Locations

Follow Us

Powered by

© 2016 John Talk. All Rights Reserved.
  • Čeština (Tsjechisch)
  • Nederlands
  • English (Engels)
  • Français (Frans)
  • Deutsch (Duits)
  • Italiano (Italiaans)
  • Polski (Pools)
  • Português (Portugees, Brazilië)
  • Español (Spaans)