there are always those who do not want to work for someone else, "uncle", and wants to be financially independent and have a greater degree of freedom by opening their own businesses, such as auto repair car repair.Aspirations and desires of man - this is certainly good, but they are not enough alone.It is desirable to have some other your starting capital, you can own, but you can ask for a loan.But not everyone will lie in store a certain amount of resources or those friends who can, without batting an eye, borrow, say, 300,000 rubles.
And the surest way in this case - is to get the money to open a small business in the bank.
Thus, according to the site http://moneyprofy.ru, before you go to the bank and get a loan to small businesses, it is useful to know that there are several types of lending aimed at creating small businesses and its support in the future.
By the simplest and most common form is consumer credit, which can take any natural or legal person having a permanent source of income and proof of identity.But, in addition, now many banks require a business plan for the future organization, consisting of its purpose and settlement documents.This is all done so that the bank could ensure profitability (profitability) of the enterprise, and therefore in the future solvency of the client.
Before taking any consumer credit, even if we are talking about such a loan as a bank loan on the car, it is necessary to calculate all the pros and cons of such a decision.The advantages, of course, is that the future businessman himself can see the entire profitability of the enterprise for himself or others, calculate the risks and consequences of them.All this means that, based on the SWOT-analysis, you can create an optimal and efficient strategy for the development of the organization in the future.But the drawback in this case is that when you make a loan the need to take into consideration the time, which, strictly speaking, the whole future depends on the success and is often not enough!
But even minus the above, if you make a serious effort, you can easily turn into a plus, since any bank primarily interested in paying and profitable customers, whom can be seen, if calculated by a target date.And for its part, the bank can go to meet these customers, making them, for example, credit conditions for lower interest rates or to give a large sum of money, which is a kind of trust loan.
The aim in this case, as has been described above, will be the successful construction of a small business, so if a budding entrepreneur a good start in this field of activity and correctly used the money to open a small business, banks change the terms of the loan agreement, the size of credit lines andbail conditions.On the latter point, it will be possible, for example, to keep as collateral some unused piece of equipment, raw materials and other things.
However, making out a loan target, you need to clearly calculate all maturities on it, because it is an indicator of the enterprise!
is important to remember that any banking organization is primarily interested in those who are the guarantee of a successful and prosperous, such persons or entities are going to meet and create all the conditions for the prosperity of small businesses.Conversely, if the loan takes a man with a normal salary, not a businessman, the conditions of the loan agreement will be different, but she amount of the loan - less ...
So, before you go to certain banking structures and take the credit for starting a business, you need to calculateand take into account all the "pros" and "cons" of its decision to the person to avoid rapid financial collapse of the alleged enterprise.