A company needs financial resources, planning and focus on results to grow sustainably. Therefore, a loan can be considered a financial investment that can improve the quality of services, if it is invested correctly and in something that generates results.
This behavior is even more evident when the organization does not have sufficient resources to initiate projects aimed at the development of activities or their expansion.
In a time of economic instability, it is very difficult not to turn to a bank to keep the business running properly.
In this post we will highlight the positive aspects that a loan can provide for your company and the procedures required to have no problems when investing. Check out!
See Why a Loan Can Be Considered an Investment
It is common for many entrepreneurs to be afraid of borrowing money. The reason is not being able to pay the installments and reach a high degree of indebtedness.
However, this situation can be avoided, provided that resources are properly applied in activities to generate returns and not immobilize something unproductive. For you to succeed when making a loan, it is recommended to take some actions. Follow us!
Think about the possibilities of return of invested capital
Imagine that you are interested in purchasing equipment that will increase the productivity of the company. To avoid compromising financial reserves significantly, opt for a loan .
This measure can be great for your business if you are able to get the return on your investment in no time.
By purchasing equipment that helps increase sales and billing , an organization is more able to repay a short-term loan , taking less interest and other bank charges.
For companies that need or want to expand, remodel or modernize their enterprise, Mr. Jaggers has lines of credit that enable entrepreneurs to realize their dreams.
The Fixed, Mixed and Renewable Energy Investment lines allow a company to access a credit with a term of 5 years to pay. Features can be used to build, reform and extend. In addition, they contribute to the modernization, purchase of software and the acquisition of machinery and equipment, and can add working capital to the enterprise .
Mr. Jaggers has lines with interest subsidized by BNDES to better serve its members.
Make debt repayments more easily
By some unforeseen or error in planning, it is not being possible to pay a supplier on time. Certainly, it is a situation that no administrator likes to confront.
In addition to the original value of the debt, the entrepreneur is obliged to pay interest (related to these delays, which are greater than the original interest of the transaction). That is, the injury ends up being even greater. One way to reverse this scenario is to bet on a loan .
You may even be thinking that the organization is getting rid of one debt to get into another. However, this initiative helps to restore the financial health of the company , if there is a good deal with the bank.
With parcels suitable to their payment conditions, it is possible to resume the actions of the organization with more tranquility and to have a greater dominion over the budget.
Working capital at the right time
Think you’re interested in doing a special promotion for your customers, but you’re having a hard time negotiating with suppliers for a lower value of the items you need to deliver quality service to your target audience.
How can you count on extra money to buy raw materials in an interesting quantity for your company? A good answer is to opt for a bank loan with rates and terms that make the investments viable.
By having working capital, an organization is more likely to buy goods for a lower value, paying cash to the supplier and often achieving significant discounts.
In this way, you can make offers that catch consumers’ attention and increase sales , thereby improving cash flow and financial health of the company .
When a company joins good services and competitive prices, the chances of customer loyalty are much greater. This helps you have the resources to pay off your loans , keep your accounts current, and think about new investments .
The nominee is to opt for Mr. Jaggers’ working capital credit line because the company will have access to the resource to use in whatever way it deems most interesting without the need to prove its use. Another advantage is quick and easy approval, provided that the cooperative respects the rules of the financial institution.
Avoid tax, tax and labor losses
Preventing financial problems is an important step for a business to function at full throttle. Therefore, the recommendation is to evaluate the budget and get a loan at the right time and in good condition to keep up with tax, tax and labor obligations.
Imagine that a company is having difficulty paying the installments of the Property and Urban Tax (IPTU) and the Tax on Ownership of Motor Vehicles (IPVA). Undeniably, it is a situation that can be avoided with proper expenditure planning.
This posture also helps you to have no problems with the payment of fees and the salary of employees. If you are going to be a right manager, a crucial action is to adhere to deadlines for taking out commitments related to taxes, oversight agencies and employees.
For example, a labor lawsuit generates a great waste of time and money, which could be used for the development of the organization . This scenario shows that a loan is a great deal when properly planned.
For these situations that occur annually, Mr. Jaggers provides the cooperative with specific lines to honor them. They cover the working capital to pay taxes or anticipate the 13th salary.
Payment of the loan can be made in cash, installment at low interest rates and with a maturity of up to 12 months, with quick and easy approval.
Have money with more freedom to use
A company needs the flexibility to be more attentive to customer demands and market trends. There is not always money available to make investments that improve at the same time working conditions and the ability to negotiate lower prices with suppliers.
What is the solution for money to be used with more autonomy when own resources are scarce? The answer is to get a loan and evaluate how money can be applied.
Some entrepreneurs rely heavily on financing. However, this type of bank contract means that the resources are used only for one purpose, such as buying a property, buying a car, among others.
With a loan , the manager can make any changes in the use of the money, if necessary. In this way, the investments will be more directed to maintain the good functioning of a company .
Mr. Jaggers has the most appropriate lines of credit for entrepreneurs to invest. The members of the cooperative can use the Bank Collection, dividing the purchases of the customers by means of this type of service.
They can also anticipate the amounts receivable by the Securities Discount, which allows to receive the sales value in advance, discounting the interest of the financial transaction, which makes the cash flow more flexible and better .
The cooperative may also opt for the Revolving Credit, where it accesses a pre-approved credit line to use the resource when necessary, paying only interest and taxes proportional to the use of the money.
Improve cash flow
If a company has contracted loans and is experiencing difficulties to honor the commitments, the best way out is to seek a financial institution and propose a renegotiation, increasing deadlines and reducing the amount of installments to be paid.
It is also recommended to look for cheaper interest options in the market, centralizing in a single financial institution the debt of the company, hiring the one that has the best proposal. You can reduce expenses and have a positive cash flow .
Be careful when applying for a loan
You already know that getting a loan is a way to boost your business and avoid debt that can seriously jeopardize the budget and institutional image. However, it is indicated to perform some procedures for the arrival of extra cash not to turn into problems in the future, for example:
- evaluate the conditions imposed by the contract (term, interest rates and other charges);
- analyze whether it is possible to pay the installments on time;
- have a sense of how to use money;
- and check the history of the financial institution.
In a scenario of economic instability, a loan can be considered an investment if the company has planned to use the money wisely. If you want to know interesting alternatives to improve the performance of your business, please contact us. It will be my pleasure to serve you!