One: Shareholders' capital is the initial capital, generally between 500 W and 800 W. The lower the initial capital, the more difficult it is.
2. Long-term loans: Long-term loans can be issued before the first quarter of each year, the amount of which is three to four times of the share capital, the longest time is four or five years, and the interest rate is 65,438+00% (rounded). Repay the principal and interest after the first quarter of each year, and repay the principal and interest at maturity.
3. Short-term loans: You can borrow short-term loans at the beginning of each quarter, with an interest rate of 5% (rounded off), and you need to repay the principal and interest before the short-term loans in this quarter of next year.
Discount: Discount is to take the accounts receivable that have not arrived to the bank for money exchange. Of course, there will be a certain interest charge. There is also a discount of 1~2 quarters, that is, 10%, that is, you put 100W discount of 90W, 10W in the bank pocket. If there are still 3-4 quarters in the accounting period, then the discount is 12.5%, rounded off.
Five: inventory auction, raw materials are sold at 80% of the original price, and products are sold at cost price.
Sixth: sell the production line (generally, the production line will not be sold)
Some loan tips: 1. Try to set the number of units of long-term loans to 4, for example:144,364.
2. The ten digits of short-term loans are set to even numbers, and the single digits are set to 9, for example,149,249.
3. Use more short-term loans to roll short-term loans, and try to borrow short-term loans in the second quarter to avoid excessive financial pressure at the beginning of the new year. If the amount of short-term loans is large, it is best to choose the third and fourth quarters.
Discount: Discount can be said to be a good medicine for enterprises to come back to life at a critical moment, which can help you alleviate the problem of insufficient capital flow. Accounting period 1~2 quarters, accounting period is as high as 80%. Discount decisively when it is time to discount, and try to use short-term loans instead when it is not.
How to calculate the equity: the premise and foundation of the loan is equity, so if you want to know how much money you can borrow at any time, you must know the calculation of equity like the back of your hand. To know how to calculate rights and interests, we must first understand the following concepts:
1, comprehensive cost
Comprehensive expenses include: management fee, advertising fee, equipment maintenance fee, workshop rent, production conversion fee, market development fee, ISO certification fee, product development fee and loss fee.
2. Loss of expenses
Losses include: liquidated damages, emergency procurement losses and production line sales losses.
3. Financial expenses
Financial expenses include: loan interest and discount.
4. Annual net profit
Annual net profit = sales revenue-direct cost-comprehensive expenses-depreciation-financial expenses-taxes.
5. Profit retention
This year's profit retention = the previous year+the previous year's net profit?
The profit retention for the first year is 0.
6. Shareholder's capital: fixed as initial capital.
Equity = shareholder's capital+retained profit+annual net profit.
Some personal views on loans: dare to lend. Many people often refuse loans when they first come into contact with sand tables, fearing that they will not get loans, but they are not. To be bigger and stronger, enterprises must have loans, and it is very common that the total liabilities are greater than the rights and interests.
Good at borrowing. Sand table simulation management is actually a game of playing interest leverage. How do we use the limited funds in our hands to incite greater profits is the core issue. So be good at planning loans.
(1) Try to replace long-term loans with short-term loans. If you can protect your rights and interests well and achieve the effect of long-term loans through serial short-term loans, you can save a lot of money.
(2) the loan should be moderate, and you can borrow as much as you can. You must calculate how much money you still need, ensure that every penny has its own purpose, and try to reduce idle funds, so that you can reduce a lot of wronged interests.
(3) Be good at using discounts. Discount can be said to be a life-saving straw for enterprises, and it is essential when discounts are needed. When we are in urgent need of funds and can't get loans, then discount is the main way out.
(4) Be good at budgeting. When judging whether a scheme is qualified, it is necessary to calculate whether it will go bankrupt in the first four years. Great gods often budget accurately, and all the situations are reflected in his plan early. So don't ask why your plan always goes bankrupt, because you don't have a budget, and your plan has already gone bankrupt in the budget!