What is the mode of funding for your investments ?

There it is you have decided. You know in what to invest and you know the purchase price. Now all that remains is to finance it. In cash ? By borrowing or renting ?
To find the right mode of funding, to reassure financial partners are becoming more discerning, your expert accountant will be at your side to help you choose the best solution and evaluate the economic benefits of this investment.

Because regardless of the amount of your investment, you will need to motivate your request and present a strong financial plan that demonstrates the feasibility of your project.

Cash flow

You want to self-finance your purchase ? The advantage of self-funding is that it is free (thanks to the profits earlier) and makes you immune to the high cost of credit. You will have no effect on the repayments to provide, and you send back the image of a company healthy and prosperous.

But to choose this solution it is necessary to know its actual capacity of self-financing to avoid spending all its cash, which could be used more wisely, especially if interest rates are low.

Furthermore, the use of profits for the self-financing does not reward shareholders. Finally, the more often, the self-financing can only cover a part of the investment. An expert accountant as Finexcom to Montpellier then performs for you a simulation in the optimizing assumptions and helps you to find the level of funding is best suited.

Bank loan

The other obvious solution, the loan classic. He will need to establish a complete file for the bank. An expert accountant can help you to design and build this folder to meet the criteria for obtaining funding, collecting all the necessary information. It assesses your financial situation based on your balance sheets and the impact of your investment on your financial situation.

It sets out your actual repayment capacity, one that will not put the company in danger, and lends credibility to your request with the bank. Finally, he enlightens you on the taxation. It may, once the file is essential established, a direct contact with the bank to negotiate with her the best conditions possible. The key to substantial savings.

The LDD

The long-term rental or LLD is to buy the property for professional use necessary for the activity by a financial institution. In exchange you lease it, via a rental agreement without a purchase option at the end of the funding. The costs are related to the application fee, security deposit (returned at the end of the contract) and rent HT. Again, the expert accountant will help you in performing a simulation, accompanying you with your bank if you want to finance this rental and made the point about the VAT.

The credit lease or lease

It helps save cash by renting your equipment rather than buy it. The leasing advantageous from a tax perspective, is usually with a purchase option at the end of the period of use. However, be careful to penalties if you break the contract before the end. The lease-back is a variant that allows you to sell the property while continuing to use it against the rent.