The finançament alternatiu is every month vegada necessari to Europe. At the post d'avui exposem by whom reason, who are the main advantages or who type of alternative financing exists.
From the economic crisis of 2008, in which 70% of the financing per companies was bank , and in the case of finançament per private it could exceed 90% , the banks will deixar to donate finançament and will sharpen facing more problems Economics of the companies and families.
From that moment on, alternative financing, alternative financing to the bank , will be extremely important , and that many countries learn from the error and assert a more diversified financing structure so that the companies continue to be more resistant to disturbances that affect the banking system. Financial diversification in an important company shows a healthy financial point for a company.
For posing some exemple d'aquesta he transitioned to alternative financing, hi has countries, with the State Units , which currently the bank financing represents less than 25%, a fet that unfortunately does not pass to Spain , because the bank financing it faces represents 80% of the total financing, a trend considered negative by the European Central Bank because it ensures that a diversified financing and the non-dependence on aid in the economies.
In the last years, it has increased the voltant of 114% in the European Union and the leading countries in alternative financing are the Regne Unit, France, Germany, Sweden and the Baixos Countries.
If you want to know more information, you can observe the study carried out in 2017 on this type of financing carried out by the prestigious University of Cambridge click on the link.
In the following graphs it is shown the growth of alternative financing to Europe, in the month and the second graphical distribution to Europe:
What is the financing alternative?
It is possible to find out more definitions for the description of what alternative financing is , but the one that is widely understood, is the one that understands alternative financing to all those sources of financing that are independent of traditional banking financing , as being private financing .
Alternative financing unites investors from companies that need financing to complete. Also per particulars. This financing does not offer a bank, it offers private financial institutions, which have a similar function to the bank that is regulated by the Banc d'Espanya .
The alternative financing created every month in Spain, as these financial services serve more advantages than disadvantages, especially when a bank denies access to credit .
Advantages of alternative financing
The main advantages are:
- Rapidesa : it is not necessary so much bureaucracy that both a traditional bank and you get a more personal tracte, which includes an access to the credit more quickly and adapts to totes the necessities.
- Flexibility : it is possible to advise a refund of the credit totally adapted to the needs of the client, both periods of charity if they are necessary.
- Regulatory supervision : currently, the financing alteratiu is every year more regulated, all of which are faced by companies that try to offer services of sense to have carried out all the corresponding steps. It is very important to request the timely documentation before going to the private financing to ensure that it is complex with the legal system.
- Reduce bank dependence : As previously mentioned , for a global and entrepreneurial economy, it is necessary to diversify financing and reduce the excessive dependence on bank credit.
- Major risk of loss : With alternative financing, generally a real estate guarantee is required to reduce the risk of operation. If the import is not returned, it is the risk of losing the property.
Tipus de finançament
Hi has many types of financing alternative to the bank, every month. Show the most common:
- Finançament privat : it is the finançament a month, it runs after bank financing and it is fully regulated also by the Banc d'Espanya. It works in a way towards bank financing but the diners come from an investor and with the particularity that, to reduce the risk, an owner guarantees the operation. Dark Keep is some of the leaders in the market oferint that solved the national market.
- Microcredits : Also proceeds from non-bank entities and may involve abusive interests, as well as compte.
- Commercial credit: Ajornament that the companies grant to their clients, normally payable at 30 or 60 days.
- Factoring : Cessió dels drets de cobraments a canvi d'un interès. If it is done through a financing platform, it will be Crowdfactoring.
- Family, friends and subsidies, to provide opportunities for the status and the environment more proper.
- Corwlending : Loans between individuals and companies, There are online platforms that contact people or companies that need diners and investors who can grant it.
- Equity Crowdfunding : A number of people or companies that finalize a project to canvi d'accions.
- Crowdfunding : Massive financing system for compensation, normally for donating support to a project.
Finançament for startups:
- Business Angel : Contribution of diners for profitability at the good market of the company. Trust in the project and, in addition to the capital, it brings experience and contacts.
- Venture Capital : Invested in startups with potential at a canvi d'un percentage.
Finançament for companies
I do not have to stop donating importance to alternative financing for companies because it is the great beneficiary of this type of financing. Each year there are more companies that have to go to this funding source and it represents the largest volume of funding, both per quantity and per volume of operations.
The companies go to alternative financing for companies because it is the only one that can unblock any financial situation when the bank does not grant it, but only because of risk, or default. In many cases, alternative financing and private financing is the only way to rescue many companies and the only way to continue with the economic activity.
To Dark Keep are leaders in alternative financing for companies and have experience in all sectors: in construction, commerce, industry, food, service ...
The only thing that must be done, is to fill in the form that will be sent to the dreta d'aquesta mateixa page and in posarem in contact in less than 24 hours.