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.

Credit Score Requirements: 
Low
Loan Wait Times: 
Low
Interest Rates: 
High
Vista Rápida
Features: 
  • 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
Things to consider: 
  • 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.

Credit Score Requirements: 
Low
Loan Wait Times: 
Low
Interest Rates: 
High
Quick Overview
Features: 
  • 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
Things to consider: 
  • High interest rates (20-90%)
  • Lender has direct access to bank account
  • May have pre-payment penalty
  • Typically requires 2 years of business history

Needing Cash, Some Small Business Owners Bypass the Bank

After losing her job at LivingSocial, the online deal company that went nearly bankrupt three years ago, Kate Levenstien decided to take a chance on a business that combined two things she loved: bacon and beer.

While successful entrepreneurs have plenty of stories about the early risks they took, Ms. Levenstien said she learned something from that first event that helped her build her business and put her on the path to personal wealth: the security of getting money in the door months before people attend an event and using those proceeds to finance the company’s growth.

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.”