COMPARTIR
imprimir esta
Print This Page

Préstamos de capital

Working capital loans are a category of loans used to finance a company’s everyday operations. Working capital funding in general can refer to loans, as well as business credit cards and factoring.
  • Business Factors works with you even if your business has been rejected for a bank loan
  • Loans can take many forms, including secured or unsecured
  • Any type of loan can be used for working capital

Introduction to working capital loans

Préstamos de capital se utilizan para financiar las operaciones diarias de una empresa. Los recursos del préstamo se pueden utilizar para:

  • inventario de compra / mercancía de temporada
  • Expandir / remodelación
  • Pagar la deuda o impuestos
  • Obtener capital para financiar la compra de equipos
  • Ejecutar de marketing y / o planes de publicidad
  • Fondo situaciones de emergencia

Préstamos de capital pueden venir en forma de un préstamo o una línea de crédito rotativa. Préstamos pueden ser no segura o asegurados. Un préstamo sin garantía no requiere garantía, mientras que un préstamo garantizado está respaldada por activos de la empresa.

Working capital factoring involves the sale of accounts receivable to a specialized factoring company or a bank at a small discount. A diferencia de los préstamos, factoring relies on the creditworthiness of the company’s client, not the company itself. To learn more about factoring, por favor visite nuestro small business factoring página.

Working capital can also be obtained by using credit cards or a merchant cash advance. The latter is a loan extended by credit card companies against business’s credit or debit card sales. Se devuelve el uso de un porcentaje de estas ventas.

Types of loans

Generally speaking, loans can be unsecured and secured. It is, sin embargo, hard to obtain a truly unsecured loan. Most loans are secured as lenders are usually unwilling to take repayment risk without collateral.

There are two types of secured loans: asset and revenue-based. Asset-based loans use company assets as collateral. These can include a company’s most liquid assets, tales como inventario y Cuentas por cobrar. Hard money loans are asset-based loans that use property or equipment as collateral.

If a company does not have many assets, a revenue-based loan can be a good alternative. This type of loan is backed by the company’s expected revenues. It is faster to obtain because a collateral appraisal is not required. Interest rates and late fees on such loans can be higher to compensate the lender for the lack of collateral.

Any type of loan can be called a working capital loan as long as it is used to fund working capital. Un prestamista siempre va a querer saber lo que el préstamo se utiliza para el riesgo de precio de manera adecuada y asegurar el pago. Las empresas deben tener cuidado con los prestamistas que no preguntar sobre el uso de los fondos (UOP) como tales pueden ser prestamistas predatorios.

Factorización, por otra parte, No está prestando. Por lo tanto, factoring companies are not usually concerned with how funds from factored invoices are being used.

Loan requirements differ from lender to lender and depend on the type of loan. Generally speaking, lenders take into account the business’s financial health and ability to pay back the loan based on historical and projected future performance. For more information about requirements to take out an asset-based loan, por favor visite nuestro Préstamos basados ​​en activos página.

Non-bank companies, can also extend loans and usually have less stringent requirements. Business Factors works with clients with challenging credit history that are unable to provide collateral.

Cost of a loan

Loans can be long- or short-term. Their cost depends on several factors including:

  • The specific arrangement between the business and the lender
  • The company’s financial health and amount of amount of time in business
  • The borrower’s industry
  • Loan type
  • Loan duration

The cost of the loan can be quoted using factor, interest or annual percentage rate (APR). Factor rates (not related to factoring) are usually given as decimal figures or percentages and range from 1.1 a 1.5. The factor rate indicates how much should be paid back when the loan is due. Let’s take a look at an example:

  • Loan amount: $100,000
  • Factor rate: 1.1
  • Plazo del préstamo: one year

En este escenario, the borrower will have to pay back $110,000 by the end of the year. The difference between a factor rate and interest rate is that, in the case of the former, the interest is charged when the loan is underwritten so there is no benefit to prepaying the loan. By contrast, la tasa de interés se cobra sobre el monto de capital pendiente, asi que, si el saldo del préstamo declina, la empresa paga menos en intereses. Aquí hay un ejemplo:

  • Loan amount: $100,000
  • Tasa de interés: 10% fijo
  • Plazo del préstamo: dos años
  • mecanismo de reembolso: la madurez de bala (es decir, el principal se debe en un único pago al vencimiento plazo del préstamo)
  • Pagos semestrales de intereses en enero y junio, a partir de junio después de la emisión de préstamos

En este ejemplo, la empresa pagaría $5,000 de interés en junio del año se emitió el préstamo. Durante el verano, la compañía acumula $20,000 de dinero extra que decida utilizar para pagar parcialmente por el préstamo. Gracias a esto, el pago de intereses en enero del próximo año sólo se cobra sobre el monto principal restante, que es ahora $80,000. El pago de intereses semestrales correspondientes se ha reducido a $4,000. Así, un régimen de tipo de interés en este caso permite a la empresa ahorrar en intereses mediante el pago de la cantidad principal antes del vencimiento (a menos que existan sanciones por pago anticipado, que son los honorarios que cobra el prestamista si el principal se paga temprano).

Tasa de porcentaje anual, o abril, es la tasa de interés más todos los cargos asociados con el préstamo. Estos pueden incluir gastos de cierre y de compromiso.

las tasas de interés fijas y variables

tasa de interés puede ser fijo o variable. Una tasa de interés variable está generalmente ligada a una tasa de referencia, tales como la tasa interbancaria de Londres (LIBOR) o la tasa de fondos federales. Ambos son puntos de referencia ampliamente utilizados en la industria financiera fijar el precio de los préstamos.

Una tasa variable puede ser ventajoso cuando la economía va bien y los precios son bajos. Pero, si el ciclo económico se vuelve, the rates can go up causing the borrower to pay more in interest. The increases are usually gradual and, if the amount of the loan is modest, do not present an immediate problem. sin embargo, with multiple loans or higher principal amounts, the increase can pose a challenge. A prime example of this is the U.S. housing crisis that caused a wave of foreclosures when interest rates on multiple variable-rate loans went up.

Let’s take a look at another example:

  • Loan amount: $100,000
  • Tasa de interés: Fed funds rate+450 basis points (bps)
  • Plazo del préstamo: dos años
  • mecanismo de reembolso: la madurez de bala
  • Pagos semestrales de intereses en enero y junio, a partir de junio después de la emisión de préstamos

En este ejemplo, let’s assume that when the loan is taken out, the federal funds rate is at 1%. Así, the first interest payment payable in June is $2,750. Next, let’s assume that in January the rate goes up to 1.5%. Ahora, the interest payment due that month is $3,000. For the next interest payment, the rate increases to 2% and the interest payment is back to $3,250. Granted, these fluctuations are not large but the impact could be more significant if the loan balance were higher or fluctuations greater.

Conclusión

Working capital loans are used to cover everyday business expenses, such as paying off debt or taxes, la compra de inventario o mercancía temporada y el pago de marketing o publicidad. Estos préstamos pueden tomar muchas formas dependiendo de su garantía (con o sin garantía), capacidad de reborrow (línea de crédito frente a un préstamo) o el tipo de tasa de interés cargada (fijo frente a tasa variable). Secured loans are further subdivided into asset-based and revenue-based. préstamos basados ​​en activos utilizan activos, tales como inventario o cuentas por cobrar, Como colateral. Un subtipo de préstamos basados ​​en activos – conocido como préstamos de dinero duro – utilizar activos duros, such as property or equipment, Como colateral. Revenue-based loans are secured by the company’s expected revenues. Any loan can be called a working capital loan as long as it is used for working capital. Loan requirements vary by lender but generally take into consideration company’s financial health and ability to repay. Non-bank companies usually have less stringent requirements. Business Factors works with your business to find the best lending arrangement.

Cash for the next job now

Obtener una cotización libre de riesgo de factores de negocio para el capital de trabajo inmediato y 24/48 factorización de facturas hora

  • Este campo es un campo de validación y debe quedar sin cambios.
MEJOR DENTRO DE FLUJO DE CAJA 24-48 HORAS DE APROBACIÓN