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类别:医疗设备

By 鲍勃·卡兰德

Borrowers…What are You Looking For?

Borrowers…What are You Looking For?

(七个问题)

 

So, your company is acquiring 新 equipment and you’re ready to search for a lender, 贷款经纪人, leasing company or maybe even a supplier financing option.  In today’s economy, the choices are 许多 and growing fast.  With such a vast array of financing providers how does a business sort them out?  也许 it’s simply a matter of deciding the best fit.

There are certainly any number of traditional big banks in your market, in addition to numerous loan shops, 小型社区银行, 澳门真钱游戏官网专家, internet lenders and captive financing companies.  Only you can decide which is best for your needs.

To help you sort them out, start by making these comparisons:

  1. 我需要一个 traditional big bank with 无限的 能力 or would a smaller community bank or perhaps non-traditional lender provide 足够的 能力?
  2. 我喜欢喝咖啡吗? 在线 应用程序或一个 面对面的 经验?
  3. 是一个 现有的 关系最好的人 ?
  4. 我应该找个家庭主妇吗 最低水平 along with possible side fees and charges, or a provider offering a 公平的速率 没有惊喜?
  5. 我需要一个 快速 credit decision (less than ten minutes) or would a 加工过的 decision based on mutual respect, trust and communication be fast 足够的?
  6. 这是一个 只有一次的 deal or is it better to line up future financing with a trusted credit partner for 许多 多年的交易?
  7. Am I okay with a lender who will plug my company’s financial statements into their credit 评分模型 or one which will look beyond the numbers and ask questions to 就我个人而言 了解我的故事?

It all ties back to finding a lender that serves your needs first.  定价有多重要?  What about trust, timeliness, longevity, integrity, 经验?  How important is building a future relationship?

There is no right or wrong lender for your business.  Most are very good at what they do.  So, go find the one that best fits your needs.

By 鲍勃·卡兰德

Top Five Questions to Ask 之前 Financing 医疗设备

Top Five Questions to Ask Before Financing 医疗设备

Starting a medical practice or any other healthcare business is tough. Running it successfully over several years can be even tougher, especially given the slow pace of government and insurance company payments. 现金流不可预测, there’s very little forgiveness if a 新 business stumbles out of the gate. Everything must be right, including the equipment financing.  Here are the top questions to ask your financing provider…之前 agreeing to terms and conditions of an agreement:

  1. As the owner of the business or practice, am I 就我个人而言 responsible for this debt?

Typically, the answer is YES you are.  然而, once your business 经验s several years of confirmed profitability, 公司内部流动性, 累积的资产, 良好的信用记录, owner guarantees will become less important to lenders.

  1. Must 新 debt be secured with business and/or personal assets other than the financed equipment itself?

也许. While this is often a requirement, it doesn’t have to be. The strength of your personal credit and your business’s historical profitability will come into play. 也, while bank loans are more often approved based on the value of all business assets, equipment leases tend to be secured only by the assets included in the lease.

  1. If my business fails 之前 the equipment debt is paid off, will I still owe the entire balance or will the equipment’s resale value cover what is owed?

Banks do not want to be in the used equipment business. Neither are they venture capitalists. Prepare to pay off equipment loans and leases in full. If the equipment is worth more than owed, sell it after paying off the debt, not 之前.  In short, don’t make selling the equipment your banker’s responsibility.

  1.  If my business takes off, will I likely qualify for additional financing to expand?

也许. Once you show a proven and profitable business concept and a good payment history, 融资将变得更容易. 贷方希望看到你过得好. And, they want you to come back often, if you can show steady and profitable growth. Expect the financing doors to open wider over time.

  1. When loan and/or lease payments are not made on time, 我是否需要额外的费用, 利益评估, 迟到罚款, 等.?

Financing contracts typically contain fees, penalties and additional interest if you don’t live up to the payment terms. This should be expected, and can get quite expensive. Don’t take missed and late payments lightly. Your personal credit score will be affected along with your business credit.  避免这种情况!  最好按时付款.

Equipment financing and leasing for any business can be a great way to leverage your capital, 但要知道会发生什么. Ask these questions 之前 agreeing to any non-cancelable agreements and don’t sign until you have the answers. 你会很高兴你这么做的.

Borrowers…What are You Looking For?
Top Five Questions to Ask 之前 Financing 医疗设备