Business Blog

One of the main obstacles to a person starting a business is the capital, most often the ideas and concepts already exist, only the capital. Although there are other capital than cash to be used as working capital, capital in the form of money, but a very important factor in starting a business. For those of you who do not feel sufficient capital need not worry. Today, many sources that can be used for operating capital. Some are:

# 1 bank loans

These credits can be found or products not in motion in motion, such as land, houses, buildings, equipment and machinery, automobiles, motorcycles, etc.. The Bank will assess the property or assets. With the baseline assessment, the Bank will provide a reasonable rate for the loan, usually 70% of NAV. The Bank is also considering other requirements, such as general identification card isrtri spouses, family, Path of the credit applicant, the account of the last 3 months salary slips (for employees), the financial statements of the contractor or the company.

# 2 unsecured loans from banks

The loan is suitable for SMEs (small and medium micro enterprises), many years, the Bank offers loan products without the capital to SMEs, and now the government is also in favor of capital for SMEs, whose name KUR (loans the company of people) the conditions are similar to previous loan rates, but more active process easier and less committed as collateral. Banks that offer KUR is a BIS, BTN Bank and the other of the Bank.

# 3 Using a credit card or bank credit card

Credit Card is now easy to obtain, because the seller of the Bank’s credit card program target customer credit card chase set by the Bank. Their position is similar to the above credit less persaratan warranties, and croscek only by telephone, not in the household survey.

# 4 loans of cash from non-bank financial institutions

Loans of this type are now facing, and some even dared to write in their marketing campaign loans campaign cash, time, process a “complete, the security is used goods, such as cars and engine condition similar to the Bank, but the process faster and easier. But consider the Bank’s largest flower.

# 5 Loan Savings and Loan Cooperative (KSP)

Such loans more affordable, and the process is very simple, there is no guarantee that life is not depending on the size of the loan, its terms are similar to the Bank, but vary your payments there every day or every 1 -2 months so far borne fruit, there are also weekly and monthly. These credits more flowers, usually 20-25% of the loan.

# 6 Loans to employees of the partnership (MAES) special staff / employee

For those of you who are still employed, usually the Office of the Company or a cooperative, the situation cuman firm, mild interest and payment is easier to cut through the fat.

# 7 loan from their parents or relatives

For those of you who have no guarantee of a bank or other financial institution, you can try to borrow your parents or your brother or your family presentasikanlah with clear ideas, business plans, capital requirements, benefits, and how to get back. Although parents or family in a softer equity loan, you need professional and consistent implementation of its activities in the recovery period, which certainly does not want to strap a good relationship so far become a bad time, even because of negligence or disappointed not to repay the loan according to his promise.

# 8 loans from friends and investors

Many people now have the capital, but not an unthinkable idea of doing business, including perhaps their close friends, the friends work together, or a neighbor. The principle is the same with the help of capital from family, but if others are often more difficult, so it should be more professional and willing to share the results with them. And do not let your reputation is damaged because of loans.

# 9 of loan by the supplier or manufacturer

For those of you who have a strategic business or marketing channels memengang usually a manufacturer or supplier of specific products will help in the capital, but usually in the form of products or goods in production machines shipping and paid and could also be payable for business operations. Since I also follow their turnover.

# 10 Loans buyers

For some companies, consumers who appreciate the potential of its production is given a cash loan and the production of machine tools so they can continue to trade.
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