Best Investment With Finance Companies In India

November 29th, 2015

Finance
can be described as a study of funds of management, also deals how
money is spent and budgeted. It is one of the most important things that
require a correct management system to use it in a proper manner.
Finance has great importance and plays important role to run
organizations or caters the needs of individual. Besides that it is
equally important for any country and helps it to make its way on the
path of growth by full utilization of its resources. Finance in India is
on boom, reflects the economical growth of countries and changing the
live style of people.

India
has mixed economy, runs by the great co-operation of both private and
government, became fruitful for country, in fact played a key role for
its adequate development. Today Indian is recognized as a financial
strong country due to emerging industries and huge growth in the
agriculture. Besides that banking sector has been playing great role in
the development of economy of the country. In India number of private
and nationalized banks is engaging to reduce the burden of people by
offering them loan on very nominal rate of interest. Finance in India
has been categorized in terms of Personal Finance, Corporate Finance,
Finance of Public Entities, and Financial Risk Management. Moreover,
industrialization in India is growing by leaps and bounds and helped it
to make an important place on the list of financially powerful country.
Besides that industrialization plays a key role on the course of rooting
out the unemployment, considered to be a great anathema in the
development of country. Indian share market is known for growing by
leaps and bounds, lured people by paving a way for great option of
investment. Today, investment in India includes several sectors that
includes insurance, market share, and several other policy.

Such
option attracted masses by offering several key benefits. On the other
hand a correct review of Finance in India reflects the enterprising
skills and contributory engagement, provided by several instates, banks,
and corporate cleared a new way for its India’s development, and
important for the great aspect of economical prosperity. However,
government chiefly manages the financial flow by taking great control
over several financial instructions. Reserve Bank of India is the most
prestigious institution, got full authorization to introduce new policy
to make smooth flow of money. Besides that it is concerned to look after
the financial policy of several banks and make every effort to make
financial policy more transparent. Now a days, there are several
nationalized banks in India are fully controlled by central government,
engaging to offer easy finance, insurance, debt to help those who
actually need it. More and more such nationalized banks also played a
key role in terms of offering job and made India free from employment,
considered to be a great hurdle in the development of the country, at
great extent.

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Asset Finance – Buy Your Dream Thing..

November 13th, 2015

Finance
is like the amount provided by an institute for buying something and
they took some security against the amount paid. The new idea of
business has been introduced which makes you use of service which is
asset finance. Every person wants to make his dreams true in life and
sometime he is not so financially strong to get his dream in his hands.
This new idea has dissolved the tension of peoples and now every common
man can buy a thing which he want but more expensive from his budget.
Now you can buy everything on finance and just by returning the amount
in small installments, you can enjoy the feel of your dream thing or
asset. The several big companies are using the financing facilities in
order to prevent themselves from financial crisis. Nowadays the world is
going through a financial crisis and some developing countries are
facing financial problems, to solve their problems developed nation has
provided the helping hand. The asset finance is similar as providing the
helping hand in the difficult situations.

For
getting finance the first thing hits in our mind is who will provide us
money. Nowadays there are several ways of getting finance from asset
finance. Most importantly the person who wants his asset got financed
then he would try the financing facility from banks. As bank is the best
medium to get financed and it would be more beneficial to you also. It
would provide you a secure service at low rates on flexible terms and
conditions. Their service is usually fast from others and one should
prefer banks service in order to buy asset. The next method is to look
for businesses to make your asset finance. Several companies are in the
race of providing this service to peoples, for example as you are going
for buying a loading truck for your company, the manufacturing company
provides the facility of self financed and they doesn’t took the help of
bank in order to get financing your asset. This will helps you a lot in
making your dreams come true.

The
other way is to search for a individual who is providing finance at
individual basis and sometimes you find such persons who are giving you a
amount but their interest rates are too high of unaffordable. This type
of case is rarely happened and less reliable. Sometimes you must have
the last option for buying your dream thing and you must find the low
rates provider for your asset finance.

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Unsolved Mystery How A Receivable Finance Company Prices The Cost Of Factoring

November 11th, 2015

One of the mysteries of Business financing in Canada would appear to
be the cost of factoring receivables from a Receivable Finance Company.
Should this issue be as mysterious as the search for UFO’s or Bigfoot?
We don’t think so, so let’s explain.

Most busines owners and financial manager who
consider this method of financing their sales now the very basic – the
fact that factoring is simply entering into an arrangement with a
receivable finance firm that allows you to monetize or cash flow sales,
as you make them . Simple enough, right?

Only a very small
handful of issues come into play when you are financing your firm in
this manner. The trick though, is your management… and understanding
of them! That’s where you quickly become a winner or a loser, and we’re
all for winning. And all of that should not, we repeat, should not be a
mystery to you or your firm.

So those issues? They are as
follows – you need to negotiate and understand the concept of the ‘
advance rate ‘ which is simply the percentage of funds that you advanced
when you generate sales invoices. Typically in Canada that should be in
the 90% range… your financing is definitely costing more if you are
not getting a solid advance rate. In general the quality of your
customer base determines that advance rate, but quite frankly some
receivable finance companies have a policy or practice of lowering
advances to you to increase their profits. So watch out for that one!


In general most factoring in Canada is done on a ‘ recourse ‘ basis,
which simply means that you are responsible to cover any bad debts. You
were anyway, so the only way to avoid this is by getting a facility in
place which includes credit insurance. Naturally this is a bit more
expensive, but we are always pleasantly surprised at the generally low
cost of A/R insurance.

Opportunity cost is a concept that is
pretty well always ignored by the majority of businesses who are
entering into this type of finance. Why? Simply because there is not
direct cost associated with it. but boy is it important for you to
understand. That’s because your ability to monetize sales over and over
again , generating cash on your sale immediately leads to higher profits
and better asset turnover, both key concepts that should be considered
in your overall cost of finance .


There are usually some modest admin expenses when it comes to entering
into this type of facility. These are nominal and should be understood,
but hopefully should not be unreasonable enough to sway your decision to
embrace factoring in Canada. But, as we said, make sure you know some
of those admin fees.

Don’t forget also that just because you
don’t finance your A/R via factoring that you aren’t bearing a large
cost already. That’s because whether you are self financing or in fact
have a bank facility you are carrying your clients for 30, 60… even 90
days these days, forcing you to absorb the major cost of financing your
A/R.

Who controls one of the major factors inherent in
receivable finance? You do! That’s because, for example, that if you are
collecting your money in 30 days, as your terms state the cost of
financing a $ 100,000.00 invoice is 1500.00 if you have a medium sized
facility in place. That seems quite reasonable to us, given that
factoring generates all that cash immediately allowing you to almost
COMPLETELY! offset your financing cost by taking a supplier discount
with your new found cash, negotiating better pricing for goods, or
simply selling more by re investing in new sales and larger contracts.


S0, the cost of factoring in Canada. Is there a mystery to it? Because
of the way many present it there sure is .. but there shouldn’t be. Seek
out and speak to a trusted credible and experienced Canadian business
financing advisor who can assist you with a receivable finance company
solution… that works!

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Financing A Business In Canada What Finance Company Or Solution Works Best

November 9th, 2015

Financing
a business in Canada. One of our favorite writers recently reviewed a
U.S. report focusing on the ability of a company to finance its business
in the U.S. . . . The report was portrayed as a current ‘ pulse ‘ of
the market, including input from business owners and entrepreneurs.

That
got us to thinking … hey… this is Canada. Would that current ‘
pulse ‘ of the market be similar? Let’s take a look and hopefully
provide some insights into Canadian business financing.

A
recurring theme in the U.S. report was actually the concept of ‘
vanishing finances. The average business owner, certainly in the SME
(small to medium enterprise) market, like its U.S. counterpart in many
ways still isn’t fully recovered from the 2008- 2009 world debacle.
Canada, like the U.S. saw sources of financing change considerably.
Unbelievably, even many rational sources of financing simply …
disappeared.

So how did U.S. business owners address the
disappearance of funding sources for their business, and in Canada what
changed also? Here’s where it gets a big ugly … as the majority of
respondents indicated that they had to inject additional personal equity
in their business, and even resort to business and personal credit
cards to fund their firm.

We still meet many busines owners who
rely to some degree, sometimes significant, on credit cards to finance
their business. This sometimes is a hugely double edged sword, as they
do get some additional capital, but it’s sometimes at the expense of
their good personal credit rating. Bottom line, if you can, it’s
important to separate your business and personal life when it comes to
finances.

Business lines of credit are the life blood of most
firms, whether you’re a small, medium or large when it comes to
revenues. In the U.S. on 30% of businesses in the SME sector reported
they had access or could qualify for a line of credit from a bank or
finance company. One alternative that was stated as solution was the use
of home equity lines of credit for busines finance. Again, it works,
but not a preferred strategy!

When
times are tough who can we look to from help? ‘ I’M FROM THE GOVERNMENT
AND I AM HERE TO HELP ‘ As skeptical as we are of that statement the
reality is that thousands of firms in Canada, ( and probably hundreds of
thousands in the U.S. ) utilize the government loan program , In Canada
we call it the ‘ SBL ‘ , in the U.S. its the SBA .

In Canada the
cap for revenues on your firm vis a vis its ability to access the SBL
is 5 Million dollars. That covers a lot of ground in Canada, and you can
borrow up to 350,000$ for much needed financing for equipment,
leasehold improvements, computers, software, etc. We encourage every SME
business to check out the program.

So, is the situation all that
bleak? We suppose it’s the glass half empty/half full saying… we’ll
let you decide. But you clearly can empower your company by checking out
great solutions when it comes to financing a business in Canada. They
include bank credit lines, receivables finance, equipment leasing, asset
based lending, tax credit monetization, securitization of receivables,
and cash flow working capital loans .

Whether from a bank or
commercial finance company you just might find that behind those doors
are some solid solutions you perhaps didn’t even know existed.

Speak to a trusted, credible and experienced Canadian business financing advisor on sources of finance for your firm.

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