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Business Loan-Guide to Making a Business Financial Planning

Every company has a common goal: to grow. For this to happen, it is important to take care of a number of internal factors, such as product, service and salaries, as well as external factors such as interest, inflation and falling economy. has details

This means that, in addition to the difficulties imposed by the scenario experienced by Brazil, the entrepreneurs themselves have not made the right decisions for the longevity of their business.

Careful planning of how to use the resources available


Without money, it is impossible to make a business go far. Careful planning of how to use the resources available is imperative to ensure the success of a company.

That’s why business planning is much more than spending control. It is able to determine short-, medium- and long-term financial goals, helping entrepreneurs make the best decisions for their business.

Good planning, the current situation of the company and, through a set of actions, allows:

  • Anticipate problems
  • Level your budget
  • Determine whether or not there is a lack of resources
  • Set goals
  • Make investments

Think about your household expenses. In order to have a healthy financial life, you must define your priorities, superfluous discard, and understand where and how your money is being invested.

Guide to Business Financial Planning

Now that you know the importance of conducting good business financial planning, it’s time to put it into practice.

As we said before, the main function of this tool is to help companies to have longevity. In a scenario like that of our country, this becomes even more imperative.

After all, according to IBGE, more than half of the companies founded in Brazil closed their doors after four years of activity (figures released in 2015, with data from 2013).

Take note. Follow our steps and achieve even more success in your company.

1. Do not mix individual with legal

It is very common for entrepreneurs to mix their personal finances with professionals, which always gets in the way and confuses the cash flow of the business. To make good business financial planning, it is essential to separate the individual from the legal entity.

Set a pro-labor for the members and follow it to the letter. That way, you can understand what the company’s current expenses are, to make adjustments and perform analyzes that will allow you to make the best decisions in the future.

2. Maintain a relationship with the financial

Dialogue with your financial sector should be part of the whole process within business financial planning. It’s no use setting goals, thinking goals if everything is not aligned with this important department of your company.

If you are the one who takes care of the financier, organize your weekly schedule and set aside time for planning. If it is a task for your partner, understand that it is essential that you have the characteristics to be a good professional in the industry. If you are a contracted person, you have no secret: look for the best.

3. Organize cash flow

Cash flow is the tool that allows you to make a financial control of the inflows and outflows of money of a company, based on a certain period of time. It is the heart of all financial planning.

Identify your company’s revenues and expenses and set a time frame for your reviews.

Put on paper what your accounts payable and receivable. This gives you an overview of your company’s situation, allowing you to identify problems and propose solutions.

4. Make predictions for the operational cycle


The operational cycle is the sum of all the events that occur in a company, from the purchase of the raw material to the sale of the product.

How to plan is also to anticipate scenarios, forecast your cycle, defining the costs required to maintain each stage of your production process.

It is in this step of financial planning that you avoid going through unimagined situations, having to resort to loans.

5. Beware of interest

As we explained in the previous step, if you do not make predictions for the operational cycle of your business, you run the risk of needing loans.

The high interest rates charged by this modality are among the great causes for ending the profits of a business and, consequently, its continuity. When conducting your business financial planning, always keep an emergency financial reserve for use in contingencies.

6. Negotiate prices and payments

One thing pulls the other: having a good price allows you to charge more interesting value to your consumer.

If you sell products, look for the best value for the purchase of your raw materials. If your company offers a service, check the amounts spent to keep it running and streamline your process.

Keep a bargaining agenda with your suppliers. This allows you to establish a relationship with them, to achieve higher payment terms and better purchase costs.

Then consider factors like production cost, your expectation of profit, fixed and variable expenses, and establish the best final price.

7. Track return on investment

The ROI, or return on investment, is nothing more than the ratio of the amount of money earned or lost as a result of an investment. In a very simplified way, it’s how much you earned versus how much you spent. To calculate it, it’s simple:

Investment profit minus investment cost

For example, if you invested $ 1,000 in advertising and sold $ 5,000 of your product, that means your ROI was 3%.

In order to achieve good business financial planning, it is very important to keep track of the ROI of your business. By finding out if your spending is giving you the expected return, you can reallocate your money to actions that work the most.

Did you like the tips? Leave your questions in the comments and start doing your business financial planning right now.

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Non-bank Loans – Who Uses Loans Without BIK?

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Non-bank loans – who uses loans without BIK? Non-bank loans are becoming more and more popular from year to year. More and more people use them and more and more new loan companies appear on the market.

Where does this tendency come from? This is probably due to the fact that banks are increasingly tightening procedures for obtaining loans. The coefficients of calculating the creditworthiness of the customer have changed, the banks require more and more documents, the loan offer for the statement for new clients who do not have an account has completely disappeared.

Once, to get a loan from the bank even at PLN 50,000, it was enough for the customer’s statement about the place of employment and the amount of income obtained. The income statement was of course confirmed by telephone, but it was enough to sign the contract. In this way, getting a bank loan was possible a few years ago “on the spot”, ie within an hour of time.

With the appearance of the banking crisis, the form of loans in banks on the statement completely disappeared. As of today, only the regular customer of a bank whose income is influenced may obtain a loan for the statement. Some banks in such situations, on the basis of verification of receipts on account, offer their regular clients credit for a statement. Based on the account history – up to some amount, these are usually small amounts.

And in response to the needs of clients who often need to borrow money quickly, without certificates, without statements or even without the ability – there are offers of non-bank loans. It would seem that with the so-called quick loans are used only by customers who have a negative credit history or which banks refuse to credit. This is not true. Of course, such people also reach for non-bank loans, but they constitute about 60% of clients. Non-bank loans replaced old bank loans with a statement. Hence, often for quick non-bank loans, people who need to borrow money quickly, for example, can not get a certificate of earnings on the spot.

Non-bank loans are also often used by people who run a business. It is well known that the procedure for obtaining a bank loan in the case of business is very complex. Certificates from ZUS / US, PITs, company and personal account statements are not all that appealing, especially when it comes to a small sum of money, e.g. PLN 10,000.



Non-bank loans are regulated by banking law and the Consumer Credit Act. Thus, the customer, as in the case of a bank loan, has the right to withdraw from the contract within 14 days, and also has the right to reimbursement of the costs in the event of early repayment of the loan. The terms of non-bank loans are becoming more and more attractive. As of today, there are many well-known companies that offer loans without certificates even up to PLN 15,000. Taking into account the interest rate on the loan at the level of 10% per annum, it looks really good. Non-bank loans are no longer associated with old usury or lawlessness and have become an excellent alternative to bank loans.

Low interest rate, no required certificates, the possibility of obtaining cash in one day, the possibility of early repayment including the return of some fees. All this makes non-bank loans a very attractive loan product that reaches for more and more people.

What conditions must be met to get a loan?

What conditions must be met to get a loan?

Non-bank loans are very easily available. The easiest and fastest way is to simply take out a loan from the credit office. As previously mentioned, up to PLN 15,000, it is usually enough to provide your ID card and you can count on the payment of money within a dozen or so minutes of signing the contract at the office. In order to obtain a non-bank loan, you need to earn income and pass a positive verification at the Economic Information Office (BIG).

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Loan for Indebted Installments

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If you have a debt problem and have no chance of getting a loan from either the bank or most non-bank companies, try the Lapuda cash offer.

The Lapuda cash company described today is a complete novelty on our loan market, a company that specializes in providing loans to indebted persons. It can not be concealed that such loans are bypassed by our loan industry. Lapuda cash is just meeting indebted people and allows you to get a loan of up to PLN 25,000.

Lapuda cash is not at all fresh on the loan market because it has been successfully operating since 2005, but only now has the brand debuted on the Polish market. The company originates from the United Kingdom and has so far granted loans for a huge amount of PLN 5 trillion (in terms of ours) to 230,000 clients.

What can we count on using the Lapuda cash offer – loan for indebted installments?

As I mentioned earlier, it is a loan offer without Retrodatabase, prepared mainly for people struggling with various types of debts. Therefore, both people with bank debts and a negative credit history at Retrodatabase have the chance to get extra cash. Also people with debt bailiffs. The main condition for obtaining financial support from Lapuda is to have a guarantor or, if you prefer, a buyer. The company does not give loans in a different way as with a person who will guarantee the loan. He is the person who is fully responsible for the debtor’s obligations towards the creditor (in this case, in the case of Lapuda Cash).

What conditions still need to be met to apply for a loan in Lapuda? Loans are granted to persons who are between 18 and 75 years old and who reside in Poland. However, it can not be a person who is in the process of proceedings for the declaration of consumer bankruptcy. All formalities related to obtaining a loan are dealt with remotely, when submitting an application by electronic means. Additional verification takes place via additional telephone calls, both with the borrower and with the loan guarantor.

The amount available under the loan offer for indebted in Lapuda cash is from PLN 2,500 to even PLN 25,000 with a repayment period from 12 to 48 months. The detailed cost of the loan can be found on the company’s website by entering the amount of the loan we are interested in along with the repayment period. Most loans are paid out to the guarantor’s account (not to the borrower’s account) within 24 to a maximum of 48 hours. In some situations, the loan granting process may be slowed down. Especially if we submit the application during the weekend (Saturday or Sunday) or if the company has a problem in contacting us or the guarantor. A loan may also delay the delivery of additional documents such as ID or bank statement.

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