Emry Capital Financing Solutions

Cash flow is the reason why 82% of small businesses fail according to the recent U.S Bank study, either poor cash flow management or poor understand of cash flow management contribute to the failure of business. Cash flow management is the process of tracking how much money is coming in and going out of your business. It includes monitoring, analyzing and optimizing cash flow in order to measure how healthy your business is. You want to prevent negative cash flow especially if you have recently started your business and it is rapidly expanding. As your business grow you will need more cash to for example, hire new employees, advertising, capital investment or to maintain inventory. One of the mistakes is often that you extend credit to your customers. Invoicing is usually done on 30 to 60 day terms and it is not rare for customers to delay payment. If that is your case than invoice factoring is the right solution for you. With invoice factoring you can turn unpaid invoices in...

If you have business and you need to raise cash there are two options:debt financing which involves borrowing a fixed sum which is repaid with interest and equity financing where you sell percentage of your business to an investor in exchange for capital. Figuring how to finance your business is an important decision. Essentially you will have to decide  whether you want to pay back a loan or give shareholders a part of your company. Advantages of Debt compared to Equity: Lenders don't have a claim on a part of your business so the debt doesn't dilute your ownership of the company. Which means you will not have to share profits long-term. A lender is entitled only to repayment that you agreed upon plus interest rate. Principal and interest obligations are known amounts which can be predicted and planned for. Interest on the debt can be tux deductible, lowering an actual cost of the loan. Raising capital through debt financing is less complicates and time co...

When it comes to funding businesses equity financing is one of the options. It means raising capital through selling shares of a company. Equity financing is different from debt financing where you company gets a loan and promises to repay it with interest. It comprises a wide range of activities in scale and scope, as a form of close partnership, crowdfunding platform to initial public offering. Money raised trough equity financing might be used  to fund short terms needs of the company as well as the long term expenditures. Even though it is most often associated with public companies listed on exchange, private companies use equity as a means of financing. Equity financing includes different types of stock from proffered stock,   preferred convertible shares to common stock. Start-up companies often need financing to set their business in motion but because they carry a good amount of risk are not always able to get a financi...

When a company has to pay for something they have two options, to pay with cash or to finance the purchase. To finance the purchase means that they will get the money from other businesses and sources in return for obligation.  Basically debt financing is when a company  gets a loan and promises to repay the loan over time with interest. Debt refers to the amount of money that has to be repaid and financing refers to providing funds to be used in a business. Companies can use the money to finance short-term needs as well as long term business expenditures. Debt may take a form of a loan or the sale of bonds.   Another way to raise capital is through equity financing; the company raises money by selling ownership shares in a business.   If you compare it with equity finance the good feature of debt financing is that you don't lose ownership of the company. Debt financing is a time-bound activity , where principal must be paid back in full by maturity date alo...

I f you are planning an important business project or venture or if you have some unexpected expenses, line of credit might be the right solution for you. Line of credit should not be confused with loan. Setting a line credit today can enable you to start your dream project or help you deal with (un)planned expenditures. What is a Line of Credit? Line of credit (LOC) is an arrangement between financial institution and a customer that establishes the maximum loan amount that customer can borrow. The borrower can access money "on demand" at any time. What that means? Line of credit is type of revolving credit that does not have a fixed number of payments, unlike the installment credit. You can borrow money, repay it, and borrow it again. Interest is paid only on the money that is actually withdrawn. Lines of credit are extended by banks, financial institutions and other licensed lenders to creditworthy customers. How the Lines of Credit work? Lines of credit consist ...

A party that has an interest in an enterprise or project. The primary stakeholders in a typical corporation are its investors, employees, customers and suppliers. However, modern theory goes beyond this conventional notion to embrace additional stakeholders such as the community, government and trade associations. Investors have varying risk tolerances, capital, styles, preferences and time frames. For instance, some investors prefer very low-risk investments that will lead to conservative gains, such as certificates of deposits and certain bond products.  Other investors such as EMRY, however, are more inclined to take on additional risk in an attempt to make a larger profit. We might invest in currencies, emerging markets or stocks. A distinction can be made between the terms "investor" and "trader" in that investors typically hold positions for years to decades (also called a "position trader" or "buy and hold investor") while traders gene...