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How Does Business Loan Work?

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İşletme kredisi işletme sermayesine erişim sağlayabilir, mevcut bir işletmeyi genişletebilir, yeni bir girişim başlatmak için ihtiyacınız olan sermayeyi elde etmenize yardımcı olabilir. Ancak, tüm ticari krediler aynı kapsamda değildir. Bu nedenle işletme kredisinin nasıl çalıştığını öğrenmeli ve ihtiyaçlarınıza en uygun işletme kredisini seçmelisiniz.

İşletme kredisi gereksinimleri

Ticari krediler için temel olan ve hemen hemen hepsinde karşılaşacağınız bazı koşullar vardır. Bunlar;

  • Kişisel ve işletme kredisi puanları
  • Kredi raporları
  • İş zamanı
  • İşletme finansalları
  • yan

Kişisel ve işletme kredisi puanları;

Ticari krediler için ilk husus işletme kredisidir. puanıdır. İşletmeniz adına daha önce borç aldıysanız ve ödemelerinizi zamanında ve eksiksiz yaptıysanız, ucuz finansman için onay almak daha kolay olacaktır. Ancak, işletmeniz için bir kredi aldıysanız ve krediyi doğru bir şekilde geri ödememişseniz, ucuz finansman onayı almak zorlaşacaktır.

İşletmeniz adına daha önce kredi almadıysanız, borç verenler kişisel kredi puanınıza bakacaktır. Bunun nedeni, işletmeniz adına krediyi ödemezseniz, ödemenin gerçekleşmesi için kişisel mülkünüzden yararlanmak isteyeceklerdir. İyi veya mükemmel bir kredi puanınız varsa, işletme kredisi alma ihtimaliniz yüksektir . Ancak, kredi puanınız düşükse, borç verenler için çok fazla riskiniz olduğunu düşünüyor ve size kredi vermek istemiyorlar.

Kredi raporları;

A credit score is a number that shows how responsible you are for your payments. But alone is not enough. Even if you have a good or excellent credit score, lenders may not want to give you a business loan if your credit history is disturbing to lenders (such as bankruptcy or foreclosure). Things change when the opposite happens. Even if you don’t have a good credit score, lenders can give you a business loan if you don’t have one of the drawbacks in your credit report.

Time in business;

Starting a new business is risky. Although there are many types of business loans, it is more difficult to get a business loan for those who want to start a new business. Because lenders often want to give business loans to businesses that have been operating for 2 or more years. For example; SBA loans and business lines of credit. Additionally, you can typically get trade credit, merchant cash advances, invoice financing and collateralized loans like equipment financing from the beginning.

Business financials;

In order to receive a business loan, you need to provide detailed information on a variety of topics, including profit and loss statements, including cash flow statements, and a balance sheet and projections for the future. The stronger your financial situation, the easier it will be to get a good business loan.

Collateral;

Not all business loans require collateral, but many of them do, especially ones with lower interest rates. Therefore, it may be difficult to get some loans if you do not have a physical asset, such as real estate or equipment.

How does business loan repayment work?

The type of business loan determines how you pay. There are basically 3 payment methods for paying business loan. These are;

  • Revolving
  • Installment
  • Cash flow

Revolving;

When you open an account, you have a credit limit that you can access when you need money. You can withdraw money or use your credit card in line with this limit as you need money. You can redeem these types of business loan with the same limit as long as you’re repaying. As long as your account remains open you have the possibility to redo these.

Installment;

Most of the business loans are installment loans. In installment loans, you receive the full amount of the loan in advance and start repaying in the form of monthly payments. It is usually given at a flat rate and you continue to pay for a certain period of time.

Cash flow;

A cash flow-based business loan functions similarly to an installment loan in that you receive the full amount of the loan upfront. However, repayment is based on your cash flow rather than a set repayment term.

How does business loan work by type?

It works differently according to the type of business loan. The types of business loans are as follows;

  • Term loans,
  • SBA loans,
  • Business lines of credit,
  • Business credit cards,
  • Trade credit,
  • Invoice financing,
  • Merchant cash advances,
  • Equipment financing,
  • Real estate commercial loans.

Term loans;

There are 3 types of term credit; short, medium and long term loans. Medium and long-term loans are usually traditional bank loans. These loans require strong income and at least several years of work. The term is usually between a few years and 10 years.

SBA loans;

SBA loans are provided by individual lenders, and therefore eligibility requirements may vary from lender to lender. However, you will usually need two or three years of work to be eligible for this type of business loan.

Business lines of credit and Business credit cards;

Both have similar characteristics. You have a certain limit and will be renewed as you pay back until you close your account. The biggest difference between the two; business credit cards do not have a specific refund condition.

Invoice financing;

Invoice financing involves putting up an invoice from accounts receivable as collateral for a loan. Depending on the lender, you’ll typically be able to borrow up to 80% or 90% of the invoice amount — though some lenders may offer up to 100% financing. You’ll then repay the debt when you receive the payment for the invoice.

Trade credit;

This type of business loan involves setting up a credit arrangement with a vendor or supplier. Instead of paying cash on delivery, trade credit allows you a set period, typically 30 days but sometimes longer, to pay the invoice without any interest.

Merchant cash advances;

Bu finansman seçeneği gelecekteki ticari borçlar ve kredi kartı satışlarında avans sağlar. Buna karşılık, genellikle eşit taksitlerden ziyade gelecekteki satışlarınızın bir yüzdesiyle borcunuzu ödeyeceksiniz.

Ekipman finansmanı;

Ekipman kredileri  genellikle taksitli kredilerdir ve satın aldığınız varlığı krediyle teminat olarak koymanız istenir. Pek çok durumda, kredinize bir miktar para koymanız da gerekebilir.

Gayrimenkul ticari kredileri;

Gayrimenkul ticari kredileri, gayrimenkul işlemlerinde kullanılmak üzere tasarlanmış özel bir kredi şeklidir. Gayrimenkul ticari kredileri uzun vadeli taahhütlerdir, bazı borç verenler borcunuzu geri ödemeyi 30 yıla kadar sürebilir ancak düşük faiz oranları talep ederler.

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