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What You Need to Know About Working Capital Loans

Regardless of your company’s assets, line of credit or collateral available, having enough cash on hand to run your business is key to successful operations. Though it is good to have orders coming in and bills waiting to be paid, it is essential to have cash on the ready to cover costs associated with day-to-day operations.

In manufacturing, this involves covering the costs associated with converting raw materials into finished, sellable products. In trucking and transportation, it might mean paying for fuel, mantenimiento, and drivers to transport those goods in a timely process. Though each industry differs, without working capital, you won’t be able to sustain business operations for long.

Cash flow cycle can be described as the following, por ejemplo:

  1. A business needs cash to acquire additional resources (inventario, bienes, space, equipo, etcétera),
  2. Cash resources are used to be put to work, create goods or provide services.
  3. Goods or services are sold to customers.
  4. Customer who pay in cash = good. Others have a net 30 90 pay period; therefore, these funds are eventually used to settle liabilities for the business.
  5. This cycle continually repeats & shows why working capital is sometimes needed.

Keep Cash Flow Moving with Working Capital Financing

That’s why even when times get difficult and available cash is in shorty supply, companies will need to do what they can to secure a working capital loan. Similar to other types of term bank loans, working capital financing enables you to get the cash you need to pay for your day-to-day operating expenses. El banco o institución de préstamos puede pedirle que les proporcione los detalles en cuanto a lo que necesita los préstamos de capital de trabajo para. Por ejemplo, si se encuentra en la fabricación, puede que tenga que mostrarles las órdenes y explicar lo que necesita la financiación de capital de trabajo a los efectos de cumplimiento de la orden.

Factoring compañías también ofrecen Préstamos de Capital de Trabajo

Aunque se puede aplicar para obtener la financiación del capital de un banco estándar, it will generally require you to put something down as collateral and more than likely will run a credit score and background check. Como resultado, these sort of business loans can take several weeks or longer due to these assessments and bureaucratic processing. sin embargo, many alternative lending institutions including merchant cash advance companies or factorización de facturas companies can provide you with a working capital loan in much less time.

If your cash flow is drying up and you don’t have the time to wait for bank processing, obtaining funding from an account receivables factoring company, like Business Factors & Finance, might be a good alternative for you to consider. They can charge more than banks, but you’ll get your money right away when you need it.

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Sobre el Autor:

Robert Bernfeld se inició en el sector financiero comercial en 1974. Sus primeros años incluyen posiciones con Aetna crédito del negocio y el Grupo Foothill. Durante los próximos treinta y cinco años. Señor. Bernfeld establece tanto el arrendamiento de equipos y cuentas por cobrar empresas de factoraje. Se asoció en la fundación de facilitadores comerciales, Cía. en 1999. Sr. Bernfeld se graduó de la Universidad de California, Riverside en 1974 y recibió el grado de Doctor en Jurisprudencia de la Facultad de Derecho de la Universidad de Loyola en 1977.

Ver más artículos por Robert Bernfeld