Kredyt na rozwój firmy czy oszczędności
10 stycznia 2016
0

Każdy wie, że aby firma mogła zarabiać, musi się rozwinąć. Dobre planowanie rozwoju firmy to jednak nie wszystko – trzeba włożyć w nią często niemałe pieniądze zanim sama zacznie przynosić nam zyski. Skąd wziąć tyle gotówki na rozwój firmy?

Z reguły biznesmen rozważa dwie opcje: własne oszczędności lub kredyt. Jeżeli nie posiada żadnych dodatkowych pieniędzy w zanadrzu, sprawa sama się rozwiązuje – trzeba wziąć kredyt. Aktualnie banki proponują ciekawe rozwiązania szczególnie dla początkujących przedsiębiorców i ich start-upów. Niektóre udzielają nawet 350 tys. Złotych choć jest to dla nich spore ryzyko. Firma bez dużego stażu na rynku może bardzo szybko upaść i nie daje żadnej gwarancji, że zapracuje na spłatę kredytu. Jest to często jednak jedyne wyjście, aby początkujący biznesmen spróbował swoich sił i postawił firmę na pewnej pozycji na rynku. W przeciwnym razie musi samodzielnie odkładać pieniądze, aż nazbiera odpowiednią sumę. Może to jednak potrwać sporo czasu, jednak nierzadko jest to lepsze rozwiązanie, jeśli czas nie gra roli . Nie będzie on bowiem musiał oddawać pożyczki powiększonej o kwotę oprocentowania. Alternatywą jest zapożyczenie się u rodziny bądź znajomych, jeżeli ktokolwiek posiada oszczędności i byłby chętny za mały procent lub bez żadnej prowizji dla siebie, udostępnić pieniądze na rozwój firmy. Jest to również dobre rozwiązanie, tym bardziej jeśli firma faktycznie zacznie się szybko rozwijać i będzie można szybko oddać pożyczone pieniądze. Jeśli tylko jest możliwa taka opcja, warto z niej skorzystać.

Kredyt na rozwój firmy czy oszczędności? Tak naprawdę odpowiedź uzależniona jest od możliwości przedsiębiorcy. Jeżeli nie posiada on własnych pieniędzy a zależy mu na czasie i szybkim rozwoju firmy, najlepszym dla niego rozwiązaniem jest właśnie kredyt.

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