Monthly Archives: March 2011

Differences Between Debt Financing And Equity Financing

Finance loans play a very major role in business. Finance is equally needed to start a business as well as to run and maintain the business smoothly. Financing can be mainly classified into three – Self Financing, Debt Financing and Equity Financing. Normally big businesses will not opt for self financing; they will always go for either Debt or equity financing.

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Understanding Debt Equity Finance

Now let’s have a look in to the world of debt equity finance. Basically debt equity finance is the cash that proprietor or the business partners put into the business from their own pockets. As a return for the money that has been put into the business they get a share I the ownership of the company. Not only this ends here, but the profits arising from business after the payouts on interest and profit after taxes. All these profits after deductions are accessible to the equity owner. The invested money remains in the company and the owners thus get their invested money only after selling the shares of the company to someone else.

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Obtaining A Business Credit Loan

Any financial institution that offers finance loans for a business will always check for the credit history of the business owners before granting them a loan. If there is any bad credit under your name, then the loan process application will be cancelled. But in today’s world people obtain business credit loans even though their credit history is bad. Let us discuss some methods through which business credit loans can be obtained in spite of the bad credit history.

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How To Get A Bad Credit Car Loan?

The situation where you want buy a car and you are running out of cash and you are having a very poor credit score will make your life a big disaster. But today there are many financial institutions and lenders that provide bad credit card loans as well. Demands for such types of loans are increasing day by day and many new bad credit car loan lenders are evolving. These types of auto loans are mainly offered in America.

The first step to get a bad credit car loan is to conduct a thorough research about all the car dealers who provides auto loans for poor credit score holders. Usually such lender will charge you more and with more interest rate. Very rarely you can see dealers who will not charge more and their interest rate will be also moderate. Hence make sure to compare the charges and interest rates with other lenders and choose the best one. Also keep in mind how much amount you are going to take as loan and how much amount you can give as down payment. You should have a clear idea about all these points.

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