Entrepreneur or SME manager, you want to finance transport equipment, IT or office automation?
Overview of the different possible solutions to find the necessary funds for your development projects.
As in the context of traditional bank credit, lenders provide a defined amount, to be repaid throughout the loan.
Essential for the proper functioning of the company, professional equipment allows teams to benefit from new and efficient equipment.
Among the professional equipment that entrepreneurs need to develop their activity, different categories:
IT equipment / furniture : This category includes computers, telephones or copiers. It can also be furniture (tables and chairs)
Transport equipment : Vehicles for the company's salespeople, trucks or specialized vehicles (Ambulances)
The equipment necessary for the exercise of his profession : Industrial machines in a production line
Entrepreneurs and managers have different solutions to finance the purchase of equipment.
The most traditional forms are:
Using your available cash : a choice that guarantees you great freedom of action ... but which assumes that the company has sufficient cash without jeopardizing the company's future expenses
Professional credit , offered by banks or credit organizations, this form of financing is certainly the most widespread. Here, the company bears the interest on the credit in addition to the repayment of the capital and, generally, the pledge of the material in question.
This type of financing adapts to any type of need: office automation, IT or construction equipment.
Another advantage is that the interest charges are tax deductible. However, today, it is not so easy for entrepreneurs to obtain a bank loan! The establishments are always more cautious
Leasing , computer equipment, copiers, vehicles, telephone, offices, can now be rented! To do this, the company must pay rents, which are tax deductible. This alternative allows you to take advantage of recent equipment, and especially to renew it frequently. But the company does not own it and the leasing contracts are expensive
Crowdlending (participatory loan) is a new financing solution , interesting for entrepreneurs, whatever their sector of activity. The principle is simple, it is individuals or companies who lend a sum of money to finance a business development project. The loaned amount is repaid to the lenders each month with interest. Thus, through crowdlending, a baker needing $ 50,000 for his new bread oven will find his financing more quickly and simply .
Crowdlending was made possible thanks to the 2014 law on crowdfunding. A measure that allows individuals to finance other individuals or businesses. Since then, the formula has grown significantly, with a market increase of 200% between 2015 and 2016! Now, thanks to dedicated web platforms, there is no need for investors and project leaders to travel. The result is a simplification of the procedures, time and energy savings.
Do you want to finance the purchase of professional equipment, without going through a bank?
whimblegardens.co.uk , the leading French platform in participatory lending, allows individuals or companies to lend directly to craftsmen, traders, liberal professions or SMEs in order to materialize their development projects. whimblegardens.co.uk allows you to finance any professional material. Benefit from loans of $ 20,000 to € 2.5 million, ranging from 12 to 84 months from 2.40%, and without personal guarantee !
To benefit from crowdlending credit via whimblegardens.co.uk, your company must:
To buy construction, medical or IT equipment, discover the new crowdlending solution. An alternative allowing companies to finance their purchase of professional equipment, without the intermediary of banks.