INFOGRÁFICO: Como gerenciar compras de capital
Problemas com frete internacional
março 7, 2022
Custos crescentes na fabricação de plástico
março 7, 2022
À medida que você constrói e expande seu negócio de banheiros portáteis, precisará investir em equipamentos – unidades, pias, caminhões, talvez até terrenos e espaço de armazenamento. Dependendo do tamanho e da frequência dessas compras de capital, você provavelmente estará utilizando algum tipo de financiamento.
Que tipos de financiamento estão disponíveis? Qual opção ou opções fazem mais sentido para o seu negócio? Estas são as perguntas que queremos ajudá-lo a responder. Por isso, montamos este infográfico para servir de referência na hora de gerenciar as compras de capital para o seu negócio.
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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?
- Determine if you qualify
- Decide on the type of loan
- Compare lenders
- 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?
- Review your credit score & finances
- Compare your options
- Check the requirements
- Calculate the costs
- 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?
- Identify a property & put it under contract
- Prepare your financial package
- Submit financial package for a quote
- Choose a loan product
- 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?
- Review your credit score & finances
- Have a solid business plan
- Update your personal resume
- 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?
- Identify the assets you will offer as collateral
- Apply with a lender
- Make a preliminary commitment
- 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?
- Determine if you qualify
- Decide on the type of loan
- Compare lenders
- 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?
- Review your credit score & finances
- Compare your options
- Check the requirements
- Calculate the costs
- 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?
- Identify a property & put it under contract
- Prepare your financial package
- Submit financial package for a quote
- Choose a loan product
- 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?
- Review your credit score & finances
- Have a solid business plan
- Update your personal resume
- 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?
- Identify the assets you will offer as collateral
- Apply with a lender
- Make a preliminary commitment
- Go through an asset audit
