{"id":88,"date":"2017-12-05T12:15:00","date_gmt":"2017-12-05T10:15:00","guid":{"rendered":"https:\/\/admin.atbusiness.cat\/?p=88"},"modified":"2023-10-10T12:10:27","modified_gmt":"2023-10-10T10:10:27","slug":"obtenir-financament-dels-bancs","status":"publish","type":"post","link":"https:\/\/admin.atbusiness.cat\/ca\/obtenir-financament-dels-bancs\/","title":{"rendered":"Obtenir finan\u00e7ament dels bancs"},"content":{"rendered":"\n

Tant si ens anem a la banca tradicional com si acudim al finan\u00e7ament alternatiu, finan\u00e7ament col\u00b7lectiu de pr\u00e9stecs o finan\u00e7ament garantit de factures, necessitarem tenir uns estats financers en condicions per poder negociar amb els bancs.<\/p>\n\n\n\n

Abans de les normes de Basilea, els clients negociaven amb els bancs de forma individualitzada i el seu \u00e8xit depenia en gran part, de la seva habilitat negociadora, vinculaci\u00f3, qualitat del negoci i antiguitat com a client a l\u2019entitat. Despr\u00e9s de les normes de Basilea s\u2019han unificat els criteris a tota la Uni\u00f3 Europea, deixant poc marge de maniobra a la negociaci\u00f3 individualitzada. Establint-se uns criteris homogenis que apliquen la majoria d\u2019entitats financeres. Una empresa que no estigui excessivament endeutada, amb un m\u00ednim de facturaci\u00f3 i amb una certa traject\u00f2ria empresarial, aix\u00ed com una comptabilitat adaptada segons el Codi de Comer\u00e7 com la que porten les societats limitades o an\u00f2nimes, s\u00f3n una bona targeta de presentaci\u00f3.<\/p>\n\n\n\n

A partir d\u2019aqu\u00ed, alguns dels criteris que tenen en compte alhora d\u2019atorgar finan\u00e7ament s\u00f3n la capacitat que t\u00e9 l\u2019empresa de generar recursos i la capacitat de retorn del deute. Hi ha diferents indicadors per analitzar aquestes variables, com poden ser l\u2019EBITDA, Fons de Maniobra o flux de caixa, per\u00f2 b\u00e0sicament tots els indicadors es basen en saber si l\u2019empresa tindr\u00e0 suficient tresoreria per poder retornar el pr\u00e9stec, m\u00e9s els interessos que li siguin exigits.<\/p>\n\n\n\n

Aquests indicadors, juntament amb una tend\u00e8ncia de vendes i beneficis creixents seran claus alhora d\u2019obtenir finan\u00e7ament dels bancs.<\/p>\n","protected":false},"excerpt":{"rendered":"

Tant si ens anem a la banca tradicional com si acudim al finan\u00e7ament alternatiu, finan\u00e7ament col\u00b7lectiu de pr\u00e9stecs o finan\u00e7ament garantit de factures, necessitarem tenir uns estats financers en condicions per poder negociar amb els bancs. Abans de les normes de Basilea, els clients negociaven amb els bancs de forma individualitzada i el seu \u00e8xit …<\/p>\n

Obtenir finan\u00e7ament dels bancs<\/span> Llegeix m\u00e9s »<\/a><\/p>\n","protected":false},"author":1,"featured_media":89,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","footnotes":""},"categories":[15],"tags":[102,19,103,31],"yoast_head":"\nObtenir finan\u00e7ament dels bancs - AtBusiness<\/title>\n<meta name=\"description\" content=\"Obtenir finan\u00e7ament dels bancs\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/admin.atbusiness.cat\/ca\/obtenir-financament-dels-bancs\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Obtenir finan\u00e7ament dels bancs - 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