Working capital funding strategy in a company created by observing and considering how to form the structure of the funding can minimize the cost of load fund orthe cost of funds.
Any trustees or shareholders must be very wanted their companies to grow and produce a profit or advantage which is planned in accordance with the work plan and budget of the company.
As one example of where a company is in business development has sufficient working capital to finance new projects is the means that must be prepared from the beginning by the company, so that the project can proceed smoothly and minimize the risks that will arise due to lack of funds to finance the activities of the project.
After the company made a financial planning over new projects such as the projection of loss/profit and cash flow, it will be retrieved data value the advantages as well as how large the funds needed to finance the project.
The following will explain steps and strategies that the company should be prepared in the framework of working capital funding, among others, as follows:
1. the working capital Loans from the Banking
Considering the credit approval procedures of banking requires time in analyzingthe debiturnya, then the need to be prepared early on related matters relating the data required in the process of filing of such credits for example:
- Legality data: Statute of the last Change with SK & Menkumham, Trade Business License (SIUP), the list of companies (TDP), Domicile Affidavits, Staple the taxpayer Number (NPWP), letters of endorsement Taxable Entrepreneur (PKP), the followingCompany Profile as well as other related business license owned by the company.
- Financial data: financial statement Audit, at least the last 2 years, and the unaudit or inhouse for current year, business Feasibility Studies include project feasibility Proposal or Plan a budget and cash flow of the project, an active bank account statements more or less 1 last year.
- Data guarantee: the guarantee Certificate, Copy of Earth Building Tax (PBB) last 3 years along with proof of payment, the setor UN copy of the owner's identity guarantee (KTP, husband and wife family card, marriage certificate, latest Photo), assetsAppraisal of a maximum of 6 months (the Office of Assessor Services public or KJPP is a counterparty Bank credit loans will be submitted)
- The data project: a cooperation Contract, could either be a letter Job Designation (SPK), Purchase Order (PO), or long-term contracts (expected time period a new contract in accordance with the length of the age credit is requested to the banking, or secured by the old contract or existing project which is currently owned by the company), Company Profile Partners (Outsourcers)
2. Offer cooperation for the results to investors or profit sharing
Need to be drawn up the proposal offer cooperation for the results menawarankan the most attractive profits made investors such as the value of benefits providedmust be greater than the interest rates credit pebankan, given the risk that their responsibilities will be much greater if they invested their funds in banking. Special Perjajian about a pattern of such cooperation should preferably be notarised whichwas agreed upon by both parties.
3. Supplier Credit
To finance investment and working capital in particular the provision of raw materials is a supplier credit pattern, which is done in cooperation with a specific supplier with a credit payment system, whereby payment of credit was expected to return on the Fund is sourced from peneriman the sale of the project.
4. Paid-up Capital
Additional paid-in capital or Paid in capital from shareholders.
5. Stock Quotes
Most of the stock sales scenario of the old shareholders to potential new shareholders where the pattern calculation of price or value of the company's shares by using the method that is calculated from the value of the Assets owned by the company at this time coupled with the projection of the value of the revenue from projects that have earned the company or a new project using Net Present Value calculation taking into account the level of the value of the discount rate or bank interest rates or discounted cashflow method.
6. Factoring
If your company has a number of bills or accounts receivable to a third party where the company has a proven credibility or Bankable, companies can make such a guarantee credit accounts receivable to the banking, non Bank financial institutions,as well as to the other party.
