Borrowers…What are You Looking For?
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:
- 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?
- 我喜欢喝咖啡吗? 在线 应用程序或一个 面对面的 经验?
- 是一个 现有的 关系最好的人 新?
- 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?
- 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?
- 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?
- 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.