The agreement includes the launch of the main lines of funding for 2011: Sustainable Investment, Internationalization, Investment, Liquidity, and Housing. These lines will be available from next January 3.

As we know the chosen banks were Banco Santander and Banco Frances. Within the lines of financing are the ICO autonomous autonomous autonomous Santander and BBVA ICO, of the latter we will speak at this time.

This organization offers businesses and companies the necessary support to enable them to successfully develop business networks, create jobs and support the decisions entrepreneurs.

Among the latest to highlight pricipales, BBVA provides tax and financing second hand assets and extending the repayment period for loans up to 12 years.

The ICO’s principal financing are:

* Direct ICO: This case provides an opportunity to finance investment and liquidity needs of SMEs and freelancers.
* ICO-National Investment: In this case, incorporating the former ICO and ICO SME Business Growth, to finance the investments made by self-employed and businesses.
* ICO-International Investment: In this case the loan offered by the bank is to support investments of companies that raised their output abroad.
* ICO-Entrepreneurs: The purpose is to promote the launch of new businesses or new business activities.
* ICO-Liquidity: In this case the bank offers loans to meet working capital needs of enterprises.
* ICO Future: In this case, to finance investments in the tourism sector expected to improve the rates of corporate sustainability.
* ICO Sustainable Economy: This is an interesting credit because the bank offers to finance investments in the areas of environment, innovation and knowledge, and social.

Positive cash flow do not arise by chance, this happens because a financial management technique called “cash management” features. A cash management system can produce effective governance of the activities of housing. Maintaining an optimal level of liquidity that neither excessive nor insufficient is of utmost importance. Accelerating cash inflows wherever possible is a necessary practice. Two activities to accelerate the flow of cash include billing customers as quickly as possible and dwelleth in monetary claims. Delaying cash outflows until they reach maturity is a critical step in maintaining good liquidity. Negotiate extended payment terms with suppliers will also release funds for the delays. In addition to investing surplus cash to earn the highest rate of return is good business practice.

To understand, use the scale and timing of cash flows, monitoring of movements of cash, the cash flow projections is essential. A cash flow forecast provides a clearer picture of their sources of cash and the date of arrival. The identification of these two factors can be determined, “Why spend the money, and” when “you need to spend.
Your financial records should include an income statement, balance sheet and cash flow statement. Your “cash flow” reflects the same three types of activities and cash flows that appear in his State of Cash Flows. The three types of activities and cash flows are:

• Cash flow from operating activities: This is the cash flow generated, which is the direct result of the sale of your products / services.
• Cash flow from investing activities: Cash flow is generated by non-operative measures, such as investment in machinery and equipment and other assets.
• Cash flow from financing activities: This is the cash flow generated from external sources — lenders and investors.

Now we first analyze the paradigms of working capital management.

Field CONCEPT:

The concept of working capital includes current assets and liabilities at the time. There are two concepts of working capital, are gross and net current assets.

1.  gross working capital: gross working capital refers to the company’s investment in current assets. Current assets are assets that can be converted into cash within a year or operating cycle. These include cash, marketable securities, receivables (loans or savings account liabilities), claims billing and stock (inventory).

2.  net working capital: net working capital is the difference between assets and liabilities are the claims from the outside, which is expected to mature within one year. Includes accounts payable and creditors to pay bills and expenditures recorded. Job Network copulation can be positive or negative. The positive net capital of a work is created when assets exceed liabilities Courtney and vice versa.

Concept of gross working capital
The concept of gross turnover focuses on two aspects of asset management in the short term. They are:
a) How can investment in long-term assets to optimize.
b) the method of financing assets.

a. Boosting investment in current assets: Investments in long-term assets should be just enough, either in surplus or deficit due to increased investment, increase liquidity, but reduces the profitability of investments at rest and nothing is gained inadequate amount capital may threaten the solvency of the company due to its inability to fulfill his duty. It is expected that turnover of the company, may be necessary fluctuating changes in business activities, excess or lack of working capital management can quickly and imbalances can often be controlled.

b. Method of financing working capital: Elements This aspect of the need for funds to finance working capital of the country. He said that if there is a need for working capital financing agreement must be done quickly. The CFO must be able to have knowledge of the sources of working capital of the wheel as avenues, where the Fund temporarily slowed down the investment.

I have no arguments to give you the formula but if we are prepared to analyze cash flow and help make decisions, what is the cash flow and how it acts in an SME?.

In finance and economics is defined as cash flow or cash flow (cash flow in English) the flows of cash inflows and outflows or cash, in a given period.
Cash flow is the net accumulation of liquid assets in a given period and, therefore, is an important indicator of the liquidity of a company.

The study of cash flows within a company can be used to determine:

Liquidity problems. Being profitable does not necessarily mean being liquid. A company may have cash flow problems, even while profitable. Therefore, to anticipate cash balances.
To analyze the feasibility of investment projects, cash flows are the basis for calculating the net present value and internal rate of return.
To measure profitability and growth of a business it is understood that accounting standards do not adequately represent economic reality.

The cash flows can be classified into:

Operational cash flows: Cash received or expended as a result of basic economic activities of the company.
Investment cash flows: Cash received or expended by considering the capital expenditure that will benefit the business in the future. (Eg, the purchase of new machinery, investments or acquisitions.)
Financing cash flows: Cash received or expended as a result of financial activities, such as receiving or paying loans, issues or repurchases and / or payment of dividends.

* Clear objectives

Before beginning the search for sources of financing for SMEs have to analyze your financial needs superimposing their business goals. A detailed analysis of the current and future financial status of the company is the first step to getting the most appropriate financial service to the company.

* Tie financial services needs

On the market a broad portfolio of financial services that help SMEs obtain liquidity so the job is to find one that goes better with the goals and needs of our company or business.

* Order

Once the SMEs have been selected for the service they need the main thing is to put order at full operational documentation, fiscal, credit and financial

* Select the best creditor

SMEs have to make an intensive research on which company would be the best option that will provide the financial service they need. The aspects that must be taken into account in its selection is the time the credit company operates in the market, its customer base rapidly in the credit approval process and funding, flexibility, commissions, interest …

* Making a payment plan before acquiring credit

Finally, once the selected SME financial service provider this, the company has to make a financial strategy to amend its budget so as to cover the monthly payments, bi-or half-yearly return to the credit purchased.

Remember, for a financially fit and healthy you should be informed, analyze and act according to your needs, situation and objectives. SuDinero.com.mx wishes you success in your company or business.

Starting a business or planning a strong and robust business in competition in the competitive world of business, of course requires no small amount of initial capital. It can certainly be overcome by borrowing money at a special institution venture capital lender.

Usually there are two reasons why entrepreneurs need a loan.

1. To start a new business.
2. You need to invest in existing businesses.

Then we will analyze both situations.

To start a new business.

Many times we want or need to start a business to achieve financial freedom that we want, but it is that we do not have the money to fulfill that dream, and sometimes we choose to apply for loans to businesses. To start the bank usually does not give credit for new business because of the risk arising from the business went bankrupt, but if you pay on mortgages, so there were people who made the decision to mortgage their unique heritage to obtain credit. A big mistake!, I know people who have lost everything I had to make this mistake. It is better to collect money and not borrow a family member, as the bank interest of business meals.

And before you ask ten new business loan survey most often do not produce profits until after one year, and when you start generating profits, it’s safest to invest the money you need to grow your business.

The need to invest in existing businesses.

If you need a loan for your business, ensure a strong foundation (not beliefs) of loans to invest in issues that directly impact your company in increasing sales. And the amount of your loan may not exceed 10% of the capital of your company as a higher credit liquidity could jeopardize your business.

Investigate all credit options you can, analyze them and choose the one most suitable for your business.

If you are tired of paying separate rates for different funds that you have activated, continuously monitor deadlines to merge the various loan products available on the market consolidation to help pay one repayment for all loans opened.
Some offers available at this time and that could be particularly attractive, Creditopplà One of UBI Bank and Unicredit Credit Express Compact.

The plan was devised by UBI Bank provides a repayment plan with installments starting from 36 to 120 months for an amount that varies between 5,000 and 60,000 euros. The rate charged may be assessed by the customer: Tan 8, 90% or variable Euribor 3 months, which is added a spread of 6.50%.
Unicredit, instead, proposes CreditExpress Compact, through which you can replace all the funds and the accrued income with a single product with single monthly repayment. The plan allows allows choosing a variable duration from 12 months up to a maximum of 120 planned for amounts exceeding 31 000 euros. The maximum amount granted is 50,000 euros.

Ms. Sri Mulyani, Heroes global crisis of Indonesia, is now struggling to prove himself that he was never guilty in the case of Century Bank.

Results of investigations Audit Agency (BPK) on Century Bank’s case is not entirely true, as my little heart sure. As a small people I just hope that the economic wheels keep running smoothly. Problem support support, I could not do much. I can only concerned with listening and hold information from various media. To the concern that because of course there Kartini in this economy come dragged into the political maelstrom palace. If the policy of Finance Minister is not proven wrong, the consequences will be dramatic: we could lose the finance minister who is our pride.

Results Audit Agency inspection of a minister, Sri Mulyani, whose reputation was so great. Both internationally and in the control of state finances. Internationally he was selected as the best finance minister in the world two years in a row. Domestically he is known as the first minister who dared to reform the bureaucracy in his department. Ministers also very strict control over the state budget.

In fact, she was the only minister who dared to ask to stop when there are signs the government will defend a conglomerate that he considers should not be defended.

My little heart is still hope, I hope there is a sudden say: CPC conclusion was obtained with less work correctly. So we will not lose the finance minister who is not playing it smart. Good at science, good at explaining his thoughts, and smart talk, he said. I see the same speed with the speed of thinking talking. If you no longer see the way he puts his mind, as if the brain and lips in the same place.

My little heart is still hope, I hope there are people who suddenly find data that CPC has made a typo. So, we will not be able to lose ministers meeting two days and nights of nonstop to save the state money. Meetings should not be stopped because of careless little effect on the bankruptcy of the national economy. The meeting was certainly tiring because only the numbers will continue milling. The numbers are complicated: the exchange rate, interest rates, foreign exchange, liquidity, rush, the trade balance, stimulus, and so on. The figures were contradictory, but the minister can not choose one of them. He must make a decision that has to win all the numbers that hurt each other.

In fact, he had just arrived from Washington, USA, to speak at a forum G-20 summit is very important that .* In Washington, he knew the dangers of the world economy. But, he was able to think of international finance and national finance in the same time in different parts of the world. He had to attend G-20 summit in Washington at the time (I happened to participate in the group there) when the rupiah suddenly jumped to Rp 12,000 per U.S. dollar. He had to look cool on the forum that Singapore was the world can not participate in it as he strained to control how the dollar has made Indonesian citizens .* He panicked all ministers who came to Washington only to express his brilliant mind and must immediately return to homeland on the same day to devote attention to the economy was almost bankrupt.

My little heart is still hope, I hope there are people who say not he who should be responsible. But, there is that other parties should be punished.

If not, we will lose a minister who at the time his biological mother, Prof. Dr. Retno Sriningsih Satmoko, was seriously ill on his deathbed, he could not see a wink. He chose pour every thought, energy, and emotion to save this nation’s economy. He was not able to visit his biological mother who was only 45 minutes into the flight there in Semarang. He had to shed tears for two at the same time sadness: sadness because her mother was in the final seconds of his life and the sadness to see the country in economic ruin lips. Both of them can not be left for a moment. Rupiah again destroyed and continued to move her mother’s heartbeat again continued to weaken. And, Sri Mulyani choose hover lives of millions of dollars for Indonesian people.

So my little heart was still hoping there is no data at a later date that the policy itself is not wrong. Therefore, a policy can be debated one point. I’m still hoping that one is in the implementation of its policy. Namely, when distributing the money to USD 6.7 trillion. And I am very, very sure he did not get any part of the rupiah. So I am very sad because to this day no one has managed to say that the CPC examination is wrong. No one has argued that the CPC examination is wrong. All was still say, CPC examination showed that he was guilty of making decisions. And the law must be upheld.