Hampshire Chamber Of Commerce ~ Hampshire Chamber Of Commerce

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What are the differences between working capital and small business loans?

by Suzana

On the surface, it may seem that there is not much difference between working capital and an SME.  After all, one may argue, it is granted to the business and the unit can apply it to business purposes as per choice. However, this is not true. The main difference lies in the timing aspect. In accounting, there is a concept called as a matching concept. This means that a long-term debt should be applied for long term capex purposes. Alternatively, a short-term working capital loan should be applied for operational expenses. A mismatch can lead to serious solvency crisis for the business. There is a difference between working capital and small business loans and we shall study that in this article.

Understanding Small Business Loans

Small business loans are extended by banks to business owners. The criteria to be eligible for such loans include a business operating period of at least 3 years, good personal as well as business credit scores and strong financial performance.

The banks insist on submission of assets such as property, equipment and/or vehicles that can be used as collateral cover. In the event of a default, the asset may be liquidated to recover the dues.

A small business loan application involves detailed documentation and submission of substantial supporting documents. The approval process is long drawn and time-consuming as the valuation of the assets has to be undertaken by a competent valuer. There is still a high chance that after the long waiting period and frequent correspondence with the bank, the loan may still be rejected.

It is mandatory thatan SME loanis used specifically for the purpose stated in the loan application. For example, if the funds were requested to purchase afixed asset, then the funds can only be applied for capex purpose. There is no scope to deviate from the initially declared usage, even if the business owner comes up with a better reason.

There is a heavy prepayment penalty in case of paying the dues and attempting to settle the loan.

Understanding a Working Capital Loan

A working capital loan isa relatively flexible business financing option. It is mainly availed to fund the routine business expenditure namely raw material purchase, payment to suppliers, wages and other operating expenditure. It can be obtained even by a new, relatively nascent business. This is because, irrespective of the vintage or size of the business, every business would undertake business activities.

A working capital loan application can be obtained from a fintech lender by an online application. In case the loan amount is less than Rs 10 lakhs, the evaluation process is complete within a day. Once sanctioned, the loan amount is directly credited to the registered bank account of the borrower.

In addition, business owners can use the funds for any operating purpose. The fintech lenders do not monitor or mandate the usage of the funds.

The repayment facility is also flexible in case of working capital loan. Rather than a lumpsum repayment, a regular, periodic repayment is made to the lender. Fintech lenders also enable early servicing of the loan with foreclosure charges.

In conclusion, while applying for a business loan, one must bear in mind the difference between a small business loan apply and working capital loan. Generally, a business loan implies a secured loan offered by banks. On the other hand, a working capital loan in the nature of unsecured business finance can be easily obtained from a fintech lender for business operations. Many times, the terms are used interchangeably in a loose manner with business loans broadly being categorized as secured or unsecured loans. Further, each of the above two segments offer short term working capital loans and long tenure term loans for capex needs.

The Economist

by Suzana
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Search For Desktop Help

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Hampshire Chamber Of Commerce ~ Hampshire Chamber Of Commerce

by Suzana
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Purchasing Small Business Liability Insurance

by Suzana

In most cases, no one will attempt to drive across the country or any state without the required auto coverage. Likewise, it will be risky to attempt running your business without a right business insurance brisbane. On the same note, no one would like to take the risk of establishing a business through untold struggles only to lose everything within a blink of an eye. An accident can strike your ventures at any time. Therefore, a great way to ensure that your investment is safe is ensuring that you cover it with liability insurance

However, finding the best insurance policy to cover your business is not always a walk in the park. The best place to begin your hunt for the best insurance policies is from the online platform. All the same, this area also does not guarantee to find what you might be looking for from the word go. This implies that you need to have your options established in the best way possible before you initiate your search. As such, here are some of the factors that you need t to consider when purchasing any commercial insurance for your business.

Identify and Asses Your Possible Risks

Having your risks identified and assessed in the right way is vital because this is exactly what the insurance company will look at before providing you with any policy. This is what is referred to as the underwriting. Therefore, all your policies will be based on the review of your underwriting during the application process. This way, the insurer can decide what he will be able to cover within your venture and also what you will be expected to pay for the policy.

In most cases, the cost of policies will vary from one insurance firm to the other. The higher the deductibles that you will have the lesser the premiums that you will be having. However, before you decide to go for higher deductibles, it is vital to ensure that you can handle such financial issues without many challenges.

Avoid Landing on The First Quote

It is advisable not to land on the first insurance quote that comes your way. Instead, ensure that you shop around to find out what is available for you to take. When you find a policy that seems to address your need, it is important to ensure that you read all the outlined fine prints because they might contain a lot of legalities that should not be overlooked. To this end, hiring a broke can be very vital because they will help you to understand the terms of the policy and even landing a better deal.

Purchasing a coverage policy is like entering into a contract with the service provider. Therefore, the last thing that you should do is entering into an agreement that you hardly understand. This can be another way of leading your business into hot water where you will end up with unending financial challenges. Therefore, always ensure that you weigh your options well before purchasing any insurance policy for your small business.