Zakładasz firmę? Sprawdź, skąd pozyskać środki na rozwój biznesu

Własny biznes daje szansę na realizację swoich marzeń i pasji. Pozwala zyskać większą swobodę i niezależność. Dlatego rośnie liczba osób zainteresowanych prowadzeniem działalności gospodarczej. I Ty masz ciekawy pomysł na biznes? Sama dobra koncepcja nie wystarczy – sprawdź, jak pozyskać środki na rozwój firmy. Dzięki temu prężnym krokiem wejdziesz na rynek.

Chociaż wielu przedsiębiorców działalność gospodarczą nadal finansuje z kapitału własnego, część firm odchodzi od tego modelu. Rośnie bowiem zainteresowanie finansowaniem z wykorzystaniem kapitału obcego – środków pochodzących od osób trzecich, które charakteryzuje terminowości i odpłatność za możliwość ich wykorzystania.

Kapitał własny czy obcy? Wady i zalety

Zarówno kapitał własny, jak i kapitał obcy to rozwiązania, które mają swoje wady i zalety.

Na korzyść finansowania kapitałem własnym przemawia przede wszystkim:

  • brak konieczności regulowania zobowiązań
  • niezależność w rozporządzaniu środkami.

Minusem jest natomiast ograniczony dostęp oraz większe ryzyko zachwiania płynności finansowej. Ponadto kapitał własny może być niewystarczający, aby od razu przeprowadzić działania pozwalające np. zdobyć większość rynku.

Kapitał obcy wydaje się dawać przedsiębiorstwu dużo większe możliwości. Do zalet takiego rozwiązania zaliczyć można m.in.:

  • brak ingerencji w strukturę właścicielską firmy
  • korzyści podatkowe wynikające np. z możliwości wliczenia w koszty odsetek i innych opłat.

Niestety finansowanie kapitałem obcym może wymagać wykazywania odpowiedniej zdolności kredytowej oraz odpowiednich zabezpieczeń.

Jak wynika z badania „Mikro, małe i średnie przedsiębiorstwa o usługach finansowych”, najczęstszym źródłem finansowania pozostają środki własne.

Zewnętrzne formy finansowania – co wybierają przedsiębiorcy?

Raport przygotowany przez Krajowy Rejestr Długów „Finansowanie działalności MŚP w Polsce 2018” jednoznacznie wskazuje, że nawet 30% przedsiębiorców korzysta z zewnętrznego finansowania. Powodem dużego zainteresowania są takie czynniki jak:

  • krótki czas oczekiwania na środki (33%)
  • niski koszt (24%)
  • uproszczone formalności (23,3%)[1].

Wśród przedsiębiorców zainteresowanych zewnętrznymi formami finansowania znajdują się nie tylko firmy działające na rynku od dawna. Możliwość skorzystania z kapitału obcego pozwala „rozwinąć skrzydła” także podmiotom dopiero rozpoczynającym działalność.

Kredyty bankowe

Banki chętnie udzielają przedsiębiorcom wsparcia finansowego, proponując zróżnicowaną gamę produktów kredytowych. Obecnie ponad połowa średnich firm oraz 2/5 mikro i małych przedsiębiorstw korzysta z kredytów bankowych – tak wynika z badania „Mikro, małe i średnie przedsiębiorstwa o usługach finansowych”[2].

Z myślą o nowo powstałych i dopiero rozwijanych biznesach powstaje wiele produktów. Są to przede wszystkim tzw. kredyty na start lub kredyty inwestycyjne, które pozwalają pozyskać środki na zakup nowoczesnego sprzętu, nabycie nieruchomości, pokrycie wydatków reklamowych itp.

O ile firmy z ugruntowaną pozycją na rynku mają większe szanse na uzyskanie takiego wsparcia finansowego, o tyle nowe przedsiębiorstwa mają utrudniony start. Banki dość restrykcyjnie podchodzą do podmiotów istniejących od niedawna. Dlatego wymagają zabezpieczeń lub proponują nieco niższe kwoty zobowiązania.

Leasing pojazdów, nieruchomości, maszyn

Leasing to forma finansowania, która cieszy się rosnącą popularnością. Jak wynika z danych Związku Polskiego Leasingu, łączne finansowanie polskiej branży leasingowej po trzecim kwartale 2018 roku wyniosło 58,2 mld zł[3].

Istotą leasingu jest oddanie w użytkowanie przez firmę leasingową przedmiotu umowy na rzecz przedsiębiorstwa. W zamian leasingodawca otrzymuje wynagrodzenie w formie miesięcznych rat leasingowych. Na koniec okresu umowy, leasingobiorca ma prawo wykupić użytkowany przedmiot.

W leasing można wziąć nie tylko samochody osobowe czy dostawcze. Przedmiotem umowy mogą być pojazdy transportu ciężkiego, maszyny i urządzenia, sprzęt rolniczy czy nieruchomości.

Na korzyść leasingu przemawiają takie kwestie jak:

  • większa dostępność – z tej formy finansowania można skorzystać już od 1 dnia działalności
  • większą elastyczność – rozumiana jako swoboda w dopasowaniu wysokości miesięcznej raty.

Kredyt czy leasing? Co wybrać?

Nie da się jednoznacznie wskazać, która z wyżej wymienionych zewnętrznych form finansowania jest korzystniejsza. Jeżeli jednak zgłosisz się do naszej Kancelarii Finansowej, pomożemy w wyborze rozwiązania dopasowanego do Twoich potrzeb oraz oczekiwań.

 

 

Źródła:
http://serwisy.gazetaprawna.pl/msp/artykuly/1120846,krd-firmy-msp-zewnetrzne-finansowanie-w-biezacej-dzialalnosci.html
https://zbp.pl/wydarzenia/archiwum/wydarzenia/2018/czerwiec/mikro-male-i-srednie-przedsiebiorstwa-o-uslugach-finansowych
http://www.leasing.org.pl/files/uploaded/ZPL_Infografika_Q3_2018_Jedna%20strona_PL.pdf
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