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7 Reasons Why Goods Purchase Financing Is Worthwhile For You


Commodity purchase financing is increasingly becoming an alternative to traditional bank credit. However, finetrading is still unknown to many companies as a relatively new instrument in the financing market – although there are many key advantages over traditional loans and loans for financing goods and supplies.


What is goods purchase financing?

What is goods purchase financing?

Finetrading – in German: Wareneinkaufsfinanzierung, is a financing instrument with which companies receive a payment delay for the purchase of goods. Finetraders, mostly non-bank companies, act as intermediaries between suppliers and companies and pay for the goods they need. This extends the payment period and companies bridge seasonal bottlenecks and financing peaks.

Commodity Financing provides companies with the necessary funds to finance the purchase of goods without having to borrow a bank loan. The companies are thus distributing the expenditures over the following months and gaining room for maneuver.

Commodity Financing: The key benefits for you at a glance

Commodity Financing: The key benefits for you at a glance

Although more and more companies are using finetrading as part of their financing portfolio, others continue to rely on overdraft facilities and loans. Finetrading offers decisive advantages over classic instruments such as the purchase of goods. The 7 biggest pluses that come in handy for financing goods and supplies via goods purchase financing for you:

1. Improvement in credit quality compared to bank credit

The inclusion of a bank loan for the financing of goods influences the credit rating and always has an impact on further planned investments of the company, as the equity ratio deteriorates. The additional funds even increase the company’s creditworthiness when it comes to purchasing in comparison to bank financing.

2. Use of discount and discounts

By financing the purchase of goods via finetrading companies can buy larger quantities from the supplier. It also makes sense to take advantage of seasonal conditions in this way. The company gains independence.

3. Protection of existing credit lines

Often companies finance the purchase of goods or commodities via the overdraft facility or a working capital loan . Finetrading lends itself here as a supplement, so that the bank overdraft for other running costs in the enterprise remains usable.

4. Extension of the term of payment

Finetrading allows the payment for required goods to be distributed over the following months with the corresponding sales returns (up to 120 days on the purchase of the goods).

5. Financing independent of collateral security

In the case of the purchase of goods, the collateralisation takes place in the vast majority of cases via a trade credit insurer. Real securities , on the other hand, remain untouched.

Background: What counts for real collateral?

  • machines and devices
  • vehicles
  • Were
  • shop fittings
  • mortgages
  • mortgages

6. Acceptance of lucrative large orders is made possible

Often, companies reject large orders because they can not buy or hold the raw materials needed to fulfill the job. With a finetrading it is possible to pre-finance the goods and in this way to handle larger orders.

7. Quickly available, additional liquidity

In practice, the company can rely on additional liquidity from sales before purchasing the supplier invoice (via the Finetrading company).

For whom is a goods purchase financing available?

For whom is a goods purchase financing available?

Basically, a purchase financing for all trading companies and the manufacturing and manufacturing industries is interesting:

Companies that need to stock commodities with widely fluctuating prices can benefit from finetrading. You get so much better conditions through volume discounts or temporarily cheaper prices. But even fast-growing companies with short-term liquidity needs use goods purchase financing to pre-finance short-term orders. In addition, seasonal heights can be cushioned by the purchase of goods without negatively impacting the company’s own creditworthiness through bank financing.

Payday loan secured against real estate

private loan against real estate

Payday loans against property

The loan and loans market is currently extremely wide and is constantly growing. The lenders offer newer and newer loan solutions – all to satisfy their potential customers, gain a large number of them, and find the perfect product for everyone. Currently, virtually regardless of the material status and financial situation of the borrower, everyone can borrow an additional sum of money – the only question is what solution is intended for him?

What are loans for whom are pledged loans for?

Usually, people who enjoy impeccable BIK scoring, a permanent contract of employment and decent income, can literally pick out the lucrative loan offerings offered by banks. One can not forget, however, that the same as no larger needs have people with slightly lower incomes and a bumpy credit history. Life changes, the financial situation also, and a bad entry in BIK can be seen up to five years after repayment. Unfortunately, most financial institutions automatically reject applications of people with a bad BIK profile. If such a person wants to borrow a small amount, he or she can ask for a quick loan – the so-called payday loan and will probably get it without much trouble. Unfortunately, the payday notes have quite a limited field in relation to the amount of the loan offered. If a person with a credit history that is in doubt for banks needs a much larger sum, they should analyze their material possessions and consider using a Payday secured loan, for example real estate.

How do payday loans work against property?

Secured loans are quite an old and common method of borrowing larger and smaller amounts. They consist in the principle of limited property rights, which is regulated by a contract signed by the borrower and the lender. The main principle, which at the same time guarantees the lender possible enforcement of its claims – in the case of non-repayment – is to have collateral that covers the amount of liabilities, and which can be liquidated if necessary to satisfy claims. Usually, the amount of the loan granted depends on the value of the property. Importantly, the amount granted is less the value of real estate – this procedure gives the lender confidence in the return of all borrowed funds, in a situation where the borrower would not comply with the signed loan agreement.

Reading a contract is essential!

As in the case of banks and other financial institutions, it is always a good idea to read the loan agreement scrupulously, more so that the property is included as collateral for the loan – usually the only apartment in which the whole family lives. The greater attention must be paid to verifying and analyzing the costs of this type of loan and taking into account the risk of losing a plot, a flat or a house in case of possible repayment difficulties.

Real estate loan – a good solution?

The advantage of secured loans is a much simpler loan procedure. A payday loan secured against real estate does not require traditional financial analysis and detailed credit history screening. The only thing to watch out for is to pay attention to the amount of the installment and verify ckk – the total cost of the loan. Sometimes, the lending person does not really know how much money he has to pay back – sometimes the exact writing of all costs and possible fees around credits may work somewhat soberly. The main precaution that guarantees peace is the choice of a reliable and reliable lender.

Real estate loans may also become a substitute option for people who are trying to apply for a mortgage – unfortunately with a negative result. There are really many people who do not want or can not get a mortgage from a traditional bank. The only downside of such a choice may be high costs around credit, a large commission and a much higher interest rate than that offered by banks. You should always analyze and if possible – compare the costs of obtaining and servicing a loan by several companies and select those with the best offer if possible.

A good solution for people expecting a larger amount

To sum up loans secured against real estate, cars, or other, smaller and less valuable items are usually safe. However, it should be remembered that, to a large extent, their security lies with the borrower. After careful analysis of the conditions, practically every person who owns a property can count on an additional, large sum of money. This type of borrowing certainly fills a fairly large gap in the market and at the same time allows people with an imperfect credit history to receive a larger cash injection. One condition for granting such a loan is to have real estate with a value identical to the loan amount requested. Payday loans also have it to themselves that they have the opportunity to negotiate loan terms, establish directly many details of its subsequent service. It is worth ensuring that the contract contains a provision on the deletion of a limited property right after repayment of the whole loan. It is also worth knowing that until the loan is repaid, the real estate that is the collateral can not be sold or freely disposed of because it is collateral.

Collect Loans with Low Creditworthiness through Loan


The most common obstacle for loans is one or more payment remarks, which means that the customer is deemed to have a low credit rating and thus a reduced repayment capacity. A payment note is a warning flag that signals that a person has previously mismanaged their finances. Usually, the payment complaint is about a non-payment or overdue debt which, despite reminders and debt collection claims, remains unpaid. The problem with payment remarks is that they remain and are visible in credit information for three years, which means that carelessness and old sins can punish themselves long after a “dotted” order of their finances. Although many banks completely lend out to customers with bad credit ratings charged by payment remarks, many loan intermediaries work with lenders also offering loans to customers with a complaint provided the rest of the economy is in good order. On the other hand, no active debt balance may be found at the Crown Officer. When it comes to fuzzy marketing, many complaints are that it is difficult for the customer to know exactly what offers, for example, which banks the application will be sent to and what interest rate one can expect to receive.

It is important to know that the requirements for loans with a payment note are usually higher, which means that a higher annual income may be required to get an agreement and that the interest rates are higher, while the loan amounts are usually lower.

Many creditors who can think of approving loans despite payment remarks require that they are at least 6-9 months old. The fact that a certain amount of time has elapsed between the remark being added and the application for the loan is a way of helping the customer avoid a risky financial behavior being permanent.

Borrowers help you with weak creditworthiness

Borrowers help you with weak creditworthiness

Although loan intermediaries cannot perform any miracles that give you with the weak creditworthiness the same opportunities to borrow as the one with high creditworthiness, the chances of obtaining a loan despite the payment note are greater if you choose to apply through a loan brokerage since your application will be sent to a larger number actors. At the same time, it is also more gentle for your future creditworthiness to go through a loan broker compared to establishing several individual applications, since only one credit report from the credit intermediary is required to obtain loan responses from several banks and lenders.

Collect loans and debts

Borrowers help you with weak creditworthiness

One of the best tricks to quickly hijacking your loan costs is to collect many small expensive loans and other credit debts in a larger loan. Collecting loans not only makes it possible to lower the loan costs, it also makes it easier to keep track of the everyday economy, which in turn reduces the risk of late or missed payments that otherwise risk leading to new payment remarks.

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