Zaslal: po 27. únor, 2023 13:22 Předmět: sadaadloans
With myriad varieties of loans and financing options available from banks of all sizes, you'll need to know which option is best for you.
Much like trying to pick the right loan for a home mortgage, you'll likely be overwhelmed by the many types of small business loans your bank makes available.
And, much like a mortgage, one loan option usually floats to the surface as the best fit for you and your situation. Discerning which loan is the right choice isn't necessarily a matter of one type being better than the other.
The term of the loan refers to the length of time you have to repay the debt. Debt financing can be either long-term or short-term.
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Long-term debt financing is commonly used to purchase, improve or expand fixed assets such as your plant, facilities, major equipment and real estate.
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If you are acquiring an asset with the loan proceeds, you (and your lender) will ordinarily want to match the length of the loan with the useful life of the asset. For example, the shelf life of a building to house your operations is much longer than that of a fleet of computers, and the loan terms should reflect that difference.
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