銀行貸款一直是公司最傳統的借錢錢錢方程式之一獲勝資本和投資的機會追求他們的業務目標。本文解釋了銀行貸款的運作方式並探討了其利潤處，蓋了以下主題：
- 什麼是銀行貸款？
- 銀行貸款如何運作？
- 銀行貸款的收益
- 銀行貸款的缺點
- 銀行貸款的替代方案：基於「收款」的投資
- 最後一句話
什麽是銀行貸款？
銀行貸款 是銀行貸款機構為您的企業提供定期貸款，以滿足您的財務需求。將對未清的余額收取利息，需要按照 maclish 在固定的時間表還款時按照。
要申請銀行貸款，您通常需要提供財政部產出或 設備作為抵押品。如果發生違規的話語，貸款人將無法收集和退出這些資產以補償損失。
銀行貸款如何運作？
商業貸款申請通常從提交申請表開始，包括貴公司的營業登記證明、財務報表等文件。收集所有必需文件後，銀行會對您的業務進行信用分析，並考慮多種因素來決定是否核發貸款。
這些因素包括：貴公司的財務報表、現金流、商業計畫書、資產覆蓋率等。
若您的貸款申請成功，銀行將向您提供現金，並依一定利率進行償還。通常，您還需要提供有形資產作為抵押品。如果違約，銀行將有權收回並出售這些資產以收回債務。
毫無疑問，銀行在傳統企業中扮演重要角色。然而，銀行貸款可能並不適合靈活、創新且快速成長的電子商務公司。這是因為這些公司可質押的資產較少，且風險回報率較高。由於這些獨特的特性，這類公司在銀行使用的傳統信用評估模型下，往往難以獲得銀行貸款的資格。
缺點
嚴格的財務報表要求和審核標準，可能成為企業取得銀行貸款的障礙。
銀行貸款的利弊
了解更多：電子商務貸款——貸款選擇與替代方案
| Advantages |
Explanation |
| Clear loan terms |
Interest rates and repayment amounts are fixed at the outset, making it easy to plan your budget and predict spending. |
| No equity dilution |
Bank lenders do not share ownership of your company. |
| Relatively low interest rates |
Interest rates on bank loans are usually lower than that in other financing methods (e.g. inventory and invoice financing). |
| Disadvantages |
Explanation |
| Complicated application procedures |
Bank loan applications require collection and submission of lots of paperwork. The process could be taxing and time-consuming. |
| Long turnaround time |
The loan approval process could take months. |
| Collateral required |
E-commerce companies may not have adequate tangible assets to serve as collateral.In these circumstances, banks may require that the loan be secured against your personal assets. |
| Difficult to qualify |
Some bank lenders require that businesses be established for a certain period of time (e.g. 2 years or even more) in order to be an eligible applicant. Credit assessments are not easy to pass. |
| Rigid repayment schedule |
Repayments must be made on schedule. Loan default could lead to seizure of collateral. It would also affect your credit score, making it harder for you to borrow from financial institutions in the future. |
| Interests on outstanding balance |
Interests accrue on unpaid amounts. Cost of debt could be high if you fall behind on loan repayments. |
| Restrictive covenants |
There may be restrictions on how you use the borrowed money. |
銀行貸款的替代方案：基於「收款」的投資
基於「收款」的投資（RBF）近年來在小型企業、初創企業、電子商務公司中越來越受歡迎。本質上，基於收款的資金是銀行貸款的另一種融資方式，在此模式中，公司根據未來的收款獲得資金。
在申請並獲得資金後，將對您的業務進行風險評估。若符合資格，資金通常會在 48 小時內匯出。與向銀行借錢（基於「借款」的投資）並定期償還固定金額相比，基於「收款」的資金模式因為提供了還款彈性而更具靈活性。
在 RBF 模式下，資金提供方會分享您每月收款的一小部分作為還款。如果您的某個月營收較低，還款額就會較少；若營收較高，還款額則會增加。最終，還款上限為事先確認的金額，通常是本金加上少量的固定費用。
透過基於收款的方式借錢的利與弊
| Advantages |
Explanation |
| Flexible repayment |
Repayment amounts are directly proportional to revenue. There is no pressure to ‘keep up with loan payments’. |
| No interest on outstanding balance |
Repayment is capped at the capital plus a flat fee. |
| No collateral required |
Makes access to capital easier for asset-light e-commerce companies. |
| No restrictive covenants |
There are no restrictions on how you use RBF funding. |
| Streamlined application process |
Application is quick and easy. For example, Choco Up’s data integration system facilitates risk analysis, enabling eligible applicants to get a preliminary offer in just 10-15 minutes. If everything works out, funding could be ready in as soon as 48 hours. |
| No equity dilution |
RBF platforms do not take equity or board seats at your company. |
| Disadvantages |
Explanation |
| Pre-revenue companies may not be eligible |
Provision of funding and repayment are both dependent upon your company’s monthly recurring revenue. With little or no revenue, it could be difficult to obtain RBF funding. |
了解更多：商戶現金透支（MCA）：需要知道的一切
你應該考慮自己能從銀行貸款中獲得多少資金嗎？
就像 pimilePersonFerPerson都是獨一無二的，沒有兩家公司是相似的。長期貸款可能適合一家公司的相反安全性和保障，而另一家公司由於其適應性可能更適合 RBF。
這兩種選擇器都有其優點和缺點，公司的領導層有責任對他們提名的所有選擇進行評級，然後再根據他們的需求選擇最佳選擇。如果沒有企業的最佳資質選擇，只有對您的業務所需的資質選擇最滿意。
為了幫助你找到最適合你業務的方案，Choco Upcodecate制了一份比對銀行貸款和基數進行比對銀行貸款和基數進行比對比比較以獲得入場賬戶資格的表格。
|
Revenue-based financing |
Bank loans |
| Application process |
Simple |
Complex and time-consuming |
| Approval process |
Quick |
Slow |
| Fees |
Flat fee only |
Interest on loan plus other fees (e.g. drawdown fee, facility fee, early repayment fee, etc.) |
| Interest on outstanding balance? |
No |
Yes |
| Available funding |
Depends on revenue performance |
Depends on credit score and history |
| Collateral |
Not required |
Company or personal assets |
| Repayment schedule |
Flexible |
Fixed |
| Repayment amount |
Proportional to monthly revenue |
Fixed (principal plus interest) |
| Restrictions on use of funding |
No |
Usually yes |
有興趣進一步了解貴公司為貴公司集合金嗎？查看我們為你準備的以下指南：
