Why do I need the money?

The new company must have enough money to meet various needs that are present throughout its existence and that, essentially, are for:

* Creation and implementation of enterprise
* Business development

All these funding needs to be collected on a financial plan for the company to help not only to quantify the amount of money but needed to coordinate and determine how to enter (and exit) of this money. There are many source of capital from cash advance to business loan.

Creation and implementation

The first necessity is that the envelope is a new company to finance its own development and implementation. For more details on the cost of setting up a business, see the article What does it cost to create a business?

The mere fact of creating a business costs money. The state, municipalities, the Register, notaries, etc.. etc. will ask his party relentlessly just for the fact that the entrepreneur decides to launch their idea.

Without knowing whether the idea will work, without having paid a penny and have to start paying a third party.

The costs of setting up a business can be relatively large and must be taken into account in planning the implementation of the project, among other reasons, because they are not the only costs and investments that will face the new project.
And while a bit set to estimate the costs of creation can be corrected with more or less skill, the implications for the whole project can be, later, important.

When starting a business will require, on the other hand, give it the means of production and management for daily operations. You will need to finance the investment in machinery, equipment, etc.. and finance the initial procurement of raw materials to produce or buy the first products to distribute.
Even if utilities will be desirable to be able to pay salaries at least, for example, six months to allow time for the company to settle minimally on the market.

Business development

Once the critical stage of creating the company continues to make enough money to keep running. A company is running as a locomotive that burns non-stop ticket to keep moving. The downside is that it takes this much faster machine, more money is needed to make it work. And worst of all, is that often there is no other choice but to take the higher speed as soon as possible.

It is also possible that a few months of reduced activity or delay in charging customers make the pace of financial input is less than expected and, surprisingly, the pace of output remains the same money. Will need to seek other funding mechanisms to continue operating until that money.

Albert has a carpentry business. Much of the work he does in his shop, but in the end makes the adjustments and placement in the homes of their clients. So far has used his car to the movement and transport of furniture, but it is time to think about buying a van that has more capacity and is more appropriate than your car. Now do not have cash for this investment . How can I make? We have talked about the loans, credits and leasing of. What is best for you?

I am interested

How can you afford?

Loans, leasing and credit are one way to fund any investment.

The loan is for a bank advanced the money we pay for what we bought, and must repay the amount that the bank has advanced in just over a period of time (this amount of more interest is what we call). How to return this money (amounts, interest, deadlines, etc.). Negotiator at the beginning of the operation.
The leasing is a financing system in which investment is made in the name of the financial institution pays for the investment. Then set a lease through a monthly fee that includes the interest rate and taxes. By paying the last installment notes the purchase option, ie paying the last receipt is going to be proprietary.
Credits, also known as credit insurance, is a system that is used particularly to address cash crisis. With this option we negotiated a limit of money to use for a certain time. Once this time, you can renew the loan again negotiated amounts, time periods and interest.

The basic difference between the loan and the loan is a loan that you know you have an available amount of money and used it in so far as necessary (within the limits), and cost of credit is based on the quantity prepared or used. With the loan was handed over a specific amount for a certain time. The money is returned under the agreed system, usually through monthly or quarterly quotas.

OTHER INFORMATION

If Albert asks:

A loan: the van will be yours from day one and should the money to the bank.
One credit: the van will be yours from day one, as with the loan. But has the credit because at that time might have been delayed recoveries from customers and plans to recover soon, perhaps in two weeks or a month and no longer need the money. This formula is used when regular cash tension, ie at any given time we need money and have enough in others.
A leasing the van is owned by the lender and he will pay rent for its use. By paying the last installment the van becomes the property of Antonio.

How do I find?

Banks.
Savings.
Financial institutions.