Budget de trésorerie
Ce fichier vous permet de disposer d'un canevas pour faire votre budget de trésorerie.
File size : 30.50 KB - Last update : 10 April 2018
Keywords: Budget/ Trésorerie
How to finance it
Through a bank
Working capital covers current assets (receivables, inventories and work in progress). It can be increased by cash generated through operations and, if necessary, through bank loans.
Usefulness of cash-flow projections
Cash-flow projections – even if rudimentary – are important for correctly identifying working capital needs. If you take out a working capital loan, your working capital needs will be regularly reviewed and adapted in line you’re your company’s revenue trends.
Working capital loans
BCV offers three solutions for financing your working capital.
Short-term loan
Short-term loans can cover your liquidity requirements by setting up a credit limit on your current account. There is no restriction on withdrawals. Interest is charged at a variable rate and the amount you pay is based on use of the credit facility, not on the limit granted. The balance of your account can also be positive.
Fixed-term advance
Fixed-term advances are commercial loans with a fixed rate of interest that provide you with a liquidity reserve when drawing up a cash-flow projection. The funds are released in the form of a lump sum and are also repaid in this form on a defined date.
Crédit Direct PME: loans starting at CHF 20,000
BCV’s Crédit Direct PME can be used to borrow between CHF 20,000 and CHF 100, 000. This facility takes the form of a credit limit on your BCV current account. The application procedure is simple and the funds are made available rapidly.
Useful information
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Other legal information
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