制定正式的债务管理计划, 而不是随意借用, can save your firm thous和s or even tens of thous和s of dollars in interest.
Following certain best practices 和 using a structured approach to your company’s debt plan is part of an effective construction finance, 会计与税务策略. 第一个, 创建一个表格，列出所有当前债务, 包括营运资金信贷额度, 任何种类的贷款, any interest bearing notes or other financial obligations. 不要包括应付账款.
这里有一个例子
If you look at the rates of interest you are paying on your different notes, 信用卡, 和 loans 和 rate them according to current benchmarks you will likely find room for improvement.
工作帽使用的高成本
One of the most common debt instruments construction firms use is the working capital revolving line of credit. The biggest mistake some firms make is to use most of the credit line immediately 和 then keep utilization high.
这样想吧. A term loan usually starts with a high balance, 和 then as your firm pays principal 和 interest, 贷款余额缩水. Consequently, interest is steadily being charged on less 和 less of a loan balance as time goes on.
有营运资金信用额度, 然而, maintaining high balances in the false belief that this provides better access to cash is essentially paying interest on a high-balance loan balance that never goes down, 永远不会得到回报，永远不会消失.
更好的方法
All borrowing is more efficient 和 carries less cost of interest when the use of the funds 和 the payment terms are predetermined. Planning use of debt is important if your firm has access to loans 和 other forms of borrowing because individuals responsible for debt decisions may be too free with credit 和 borrowings.
另一方面, if your firm is hard pressed to get loans 和 is awarded one, staying true to its purpose ensures the purpose of the borrowing is actually met.
All debt should be used in a purpose-driven manner. 以抵押贷款为例. You borrow a sum of money whose sole purpose is to buy a specific piece of real estate property. Lines of credit 和 信用卡 should be used in the same fashion.
Give 信用卡 to project managers for use only on particular projects, or with particular vendors who don’t offer credit terms, 或者只算汽油费. Tell cardholders they have to justify why they choose to use credit over more conventional terms of payment.
The reason you want to limit the careless use of credit is to avoid interest charges. Be certain your managers are aware that interest is not charged by, among others:
- 提供信贷的供应商;
- 货到付款(COD)物料下降
- 收现金加油的加油站.
Ask yourself 和 your managers if a credit card or working capital draw is so attractive that it’s worth cutting a chunk of your capital for the convenience. Whose convenience is met when a project manager makes a split-second decision to charge a $2,000 material drop from a vendor where you have a house account because the credit card was in his or her wallet 和 the manager wasn’t sure the firm had that much house credit available.
Once you have set the precedent, managers will find it easy to maintain their interest-saving habit. 也, your interest expense will drop down so low that you’ll feel it in your bank account balances.
Consult with your accounting 和 tax advisers to help structure a formal 债务管理计划 for your company. 它可以为你节省一大笔利息. 也, ask your accounting 和 tax advisers to verify the market rates of interest on your different debt instruments. Knowing what you should be paying as a st和ard rate of interest will help you start your 债务管理计划.
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