Hoy más que en cualquier otro momento de la historia, las empresas tienen un número de opciones para elegir la hora de buscar y obtener dinero para ampliar, brechas de cobertura de flujo de efectivo, aprovechar una nueva oportunidad o simplemente mantener su negocio en marcha durante los períodos lentos. Uno de esos métodos alternativos de financiación populares es la financiación de activos basados también llamado finanzas comerciales por aquellos en la banca tradicional.
Una vez visto como un esfuerzo Ave María para salvar un negocio en declive, la Wall Street Journal reports that asset based loan financing has become more widely used since the 2008 financial bust. When standard banks began to lend less and more companies needed to borrow cash as a result of slow-paying customers, businesses turned to alternative lending options. Adicionalmente, un asset based finance loan can be processed quickly so companies that don’t want to wait around for a term bank loan are turning to them.
Asset Based Finance: An Alternative Way to Get Cash Fast
Generally speaking, un asset based lending loan is more costly than standard loans but less costly than other alternative financing options such as invoice factoring. This is because the company is putting up its liquid assets, which may include inventory, existing receivables, equipo, and the like. As such the company’s assets serve as collateral for the loan making the process less expensive than factoring receivables, which is not a loan and does not require collateral. Con cuentas por cobrar de factoraje, the factoring company buys the invoices outright paying the seller within 48 hours and collecting the receivables themselves directly from the seller’s customer.
Asset Based Lending Vs. Factoring Accounts Receivables
The downside of asset based lending is that like term business loans, the company’s assets can be legally seized should it default on the loan. Con la factorización de facturas, if the customer fails to pay its bill, la empresa de factoring will go after them rather than the original seller. Asset based financing is sometimes referred to as “betting your future assets for the benefit of your current ones” so if a company feels confident about its projections, then it can feel confident about this type of loan.
Both options will provide businesses with needed cash quickly, yet each one comes with its own set of processes and procedures. So those businesses looking at asset based lending options should do some research before settling down and agreeing to a provider. Muchas compañías ofrecen la factorización de facturas ambos servicios de factoring y préstamos basados en activos, o las empresas pueden encontrar uno de un banco tradicional.