EN ES FR HE IT NL PL UA BY PT DE Financial uravlenie and management in business es fr it nl pl by ua pt de en
sections
  • monthly bills of profits and losses (estimates)
  • Forecasting of movement of a cash
  • the Forecast of movement of a cash
  • Forecasting of balance reports
  • the Financial information for monitoring and monitoring systems
  • Information systems of management
  • Information requirements for the small-scale business enterprises
  • the Data recording: account books and other initial documents
  • book keeping System on a method of double record: full system
  • Monitoring systems and monitoring procedures
  • Control devices of the balance report
  • financing Sources
  • Types and sources of financial assets
  • Financing of the basic means
  • Granting of the credit by suppliers
  • Grants
  • Criteria of investments into small enterprises
    • Types and sources of financial assets. Extra financing

    you are: Types and sources of financial assets

    Loans, or loans are money resources which should be returned during an agreed period, with payment of percent. The creditor is interested in the full refund with reception thus profits. The basic sources of extra means - the banks entering into the first five of banks of the Great Britain, and also other less large banks. Separate private persons also can narrow money to the enterprises. In many small companies of the director give loans to the enterprise, preferring such financing to the share capital as such loans can be withdrawn always without any tax complications, what not so simply to make with the share capital. ортопедический матрац

    Before the reference in bank the borrower should prepare the detailed business plan with forecasts of movement of a cash (a little later we will consider business plan questions). Before to make the decision on loan granting, the creditor, except acquaintance with the plan and studying of possibilities of the enterprise, should consider following factors.

    1. The purpose under which money resources are involved. We already saw, that is available two basic types of investments: in a fixed capital and a working capital. In the first case the borrower should specify the equipment type, a got vehicle or a building, its useful service life and cost at resale; besides, the borrower should prove necessity of their acquisition.

    2. Size of the extra sum concerning the enterprise share capital. Importance of this factor is confirmed with two arguments. The creditor will consider, that without the share capital you can easy leave, if affairs go badly, having given to it to solve the problems on ruins of your enterprise. The question on debt repayment is so important. The companies with high level of financial dependence (when the extra capital makes a considerable part of the total capital) have higher degree of risk because of necessity of repayment of debts.

    3. Ability of the enterprise to pay percent on the capital. The detailed and proved forecasts of movement of a cash for the two-year-old period and forecasts of reception of profit for the period Till five years as the certificate of be required to the creditor that the enterprise Has considered payments in the estimates.

    4. Maintenance of repayment of debts in case of enterprise liquidation. One of two forms of such maintenance is possible: actives of the enterprise which have certain market cost, including the basic means, stocks and debitorskie debts, and

    Also personal means of owners of the enterprise, such, as the house, actions and jewelry. The question on the personal property account calls strong excitement the majority of owners of the enterprises, and from time to time the bank position seems to them absolutely unreasonable.

    However taking into account possible risk, a high probability of crash of small enterprises, and also that circumstance, that in the enterprises owners put only insignificant part of personal means, necessity of repayment of debts by personal means it seems quite proved.