Beruflich Dokumente
Kultur Dokumente
Business Growth
Robinson (Rob) Caro
Michael Dunn
TYPES !EY "SPECTS
#F F$%"%C$%G
Matching Offerings to the Needs of the Business
3
Bank
Financin
g
&ine o' Credit
Ter( Debt &easing
Debt Financing #)tions
4
Line of Credit
* Facilit+ a,ailable as needed o,er
the ter( o' the agree(ent
* #'ten ,ariable rates charged
* Re)a+(ent is interest onl+ or interest )lus )rinci)al
Fre-uentl+ used to 'und short.ter( wor/ing
ca)ital needs and une0)ected e0)enditures
Debt Financing #)tions
5
Term-Debt
* &oan 'or a 'i0ed a(ount with
s)eci'ic re)a+(ent ter(s
* $nterest rates (a+ be 'i0ed or ,ariable
* Generall+ does not )ro,ide 'or borrowing
be+ond the initial a(ount
* Fre-uentl+ used to 'und asset ('acilit+
and e-ui)(ent) )urchases
Debt Financing #)tions . continued
6
Leasing
Financing arrange(ent )ro,iding the right
to use an asset o,er a )eriod o' ti(e
Re-uires )a+(ents o,er the ter( o' the arrange(ent
Ma+ or (a+ not trans'er ownershi) o'
the asset at the end o' the lease ter(
Used b+ co()anies to 'ul'ill their asset
needs without signi'icant u)'ront in,est(ents
inherent in )urchase transactions
Debt Financing #)tions . continued
!EYS T# S1CCESSF1&
B#RR#2$%G
Optimizing the Chances of a Desired Outcome
8
Be Pre)ared