Finanse

Finanse

- Today's interest levels have reached historic lows

-  Companies can reap the benefits of really low borrowing rates

-  Unfortunately, there's another concern; delinquent invoice payments increase a company's financing costs as it extends the time that these interest rates must be covered

-  In essence, it's like the corporation itself has turned into a bank and is financing its customer's business

-  However, there's a method to transition from working with late customer payments to lower costs of capital

-  It can be done, however it isn't immediate

-  It's never relegated to just one strategy

-  In fact, it requires a multipronged approach, one predicated on reducing the company's tariff of capital by shortening time it will take the corporation to get paid

-  So what can companies do today to reduce their costs of capital

- In the past banks played a very active role to help companies of all sizes with day-to-day financial needs

-  Short-term funding and funds management were usually called working capital, and longer-term financing stood a variety of names that included commercial home mortgages to finance the commercial real estate for a company

-  Both sorts of these financial services for smaller businesses from banks have largely been missing for doing things since the beginning with the banking bailout

-  But the focus here's on what can be achieved specifically when working capital management help is unavailable from the banker

- While investing profit various kinds of investment options, every investor has to move across each one of the possibilities coupled with profit probability and in addition the danger factor linked with each and every investment opportunity on offer

-  However, under-going these is definitely an long and cumbersome process which besides needs time to work but additionally if done alone from the investor himself, the precision of those calculations is furthermore reduced on account of human factor involved in it

- Whenever a need arise, begin with asking a few questions that will help you in assessing your existing financial circumstances:

-  How much extra working capital would you already have

-  How much cash is required

-  Do you have extra cash for that new requirement

-  Where is working capital getting tangled up, and exactly how can I unlock that capital

- Forty-five percent of financial executives felt that their company's technology needed significant improvement so that you can lower operating costs

-  One particularly expensive to businesses is manual account data reconciliation - an activity that could often take weeks, or perhaps months, to complete

-  Good data reconciliation helps as well to raised manage business risk, an important goal for 33% of respondents, so it helps ensure consistency between transactional data and analytics, a serious objective for 38% of financial executives

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