Cash flow loan

Préstamos de flujo de efectivo

Con los préstamos de flujo de efectivo, un prestamista te provee fondos y acepta como garantía del préstamo tu flujo de efectivo proyectado. Esencialmente, estás pidiendo un préstamo en base al efectivo que esperas recibir en el futuro, y le otorgas al prestamista los derechos a un monto predeterminado de estas cuentas pendientes. Estos préstamos se usan principalmente para capital activo o para aprovechar oportunidades de rentabilidad de inversión a corto plazo. Usualmente tu puntaje de crédito será verificado, pero tiene un papel menor que con otros tipos de préstamos. Después de que hagas la solicitud, el prestamista inspeccionará el flujo de efectivo de tu cuenta y tomará una decisión rápida (o instantánea) en cuanto a si ofrecerte el préstamo o no, y la tasa de interés del mismo.

Requisitos de puntuación de crédito: 
Low
Loan Wait Times: 
Low
Interest Rates: 
High
Vista Rápida
Características: 
  • Acceso rápido a dinero (usualmente dentro de una semana)
  • Puntaje de crédito bajo puede ser aceptable
  • Se necesita menos documentación
  • No requiere garantía física
  • Puede mejorar tu puntaje de crédito
Cosas a considerar: 
  • Tasas de interés altas (20-90%)
  • El prestamista tiene acceso directo a tu cuenta bancaria
  • Puede incluir una penalización por pago adelantado
  • Típicamente requiere 2 años de historial comercial

Cash Flow Loans

With cash flow loans a lender provides you funds and accepts your expected future cash flow as collateral for the loan. You’re essentially borrowing from cash that you expect to receive in the future, and giving the lender the rights to a predetermined amount of these receivables. These loans are primarily used for working capital or take advantage of short-term ROI opportunities. Your credit scores will usually be checked, but they play less of a role than with other loans. After you apply, the lender will inspect your account’s cash flow and make a quick (if not instant) decision on whether or not to offer you a loan, and at what interest rate.

Requisitos de puntuación de crédito: 
Low
Loan Wait Times: 
Low
Interest Rates: 
High
Quick Overview
Características: 
  • Fast access to money (usually within a week)
  • Poor credit scores may be ok
  • Less documentation needed
  • No physical collateral required
  • Can improve your credit score
Cosas a considerar: 
  • High interest rates (20-90%)
  • Lender has direct access to bank account
  • May have pre-payment penalty
  • Typically requires 2 years of business history

Is Your Cash Flow Ready for the Holiday Season?

You may not be trimming the tree just yet, but it’s definitely time to make sure your business is ready for the biggest shopping season of the year. From retailers to restaurants, the majority of small businesses will significantly boost their bottom line in Q4. According to a recent survey from Vistaprint, 75% of consumers indicated that they’re likely to do at least some of their holiday shopping with small businesses this year.

What is Cash Flow?

From startup and everyday operating costs to growth and expansion costs, cash is the lifeblood of a business. Large corporate organizations and small business alike are required to make decisions about where and when to spend (or not to spend) money. To do this, it’s imperative that you monitor what is commonly referred to as “cash flow.”