Income the easy way


 Obtaining Credit to build your business

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There are two basic categories where credit cards could be used for the emerging small business as part of a larger financial plan.

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The first category is for asset acquisition, when the firm needs to secure telephones, a fax machine, a copier, PCs, printers, mobile phones, scanners, and any other unique equipment and devices to execute the business operations.

Virtually every item here can be had for little or no money down and relatively small (and manageable) monthly payments spread out over time (normally 24 to 60 months). Large office-supply stores and outlets typically offer special payment terms for their own credit cards and personal credit cards.

The key rationale in this strategy is that the business owner is weighing the current utilization of the equipment and the present value of tangible productivity gains against anticipated future sales.

Projected revenues are coming in perhaps three fiscal quarters, so even at a 15% annual credit rate (1.25% monthly), six to nine months of carrying a balance will only cost the entrepreneur between 7.5 and 10% in addition to the sticker price for these assets acquired.

Paying back just the fully amortized minimum due over 24 to 60 months would add anywhere from 40 to 75% to the final cost, but the plan is to pay these balances off with the first few rounds of revenue.

The second category for credit card use is working capital, or cash-flow management. For example, when COGS are charged to a credit card, the sponsoring bank may extend a 30-day grace period until the principal balance is due.

The firm may be able to synchronize the account receivable from the buyer to match that 30-day time period, so the business can pay the balance at or close to that due date.

Another strategy is to carry an outstanding COGS charge balance for a completed invoice for the 30 to 90 days until the buyer pays.

Making the minimum payment due during that time means the total cost to carry that receivable will only be 3.75 to 5% until the principal can be paid in full. And the firm may also be able to build that percentage carrying cost into the company's pricing and gross profit margin.