Emry Capital Financing Solutions

We hope that 2018 has been a successful year for you and your organization!Thank you for taking time to interact with us, we are very thankful! Here's to a happy and healthy 2019 for you and your business!

You have probably heard about personal credit score also known as FICO score, especially if you have applied for a credit card, mortgage or some other kind of loan. You know that personal credit is a big deal but do you know that your business is also very important. Regrettably not many businesses are aware of it. Because your business credit report plays a major role in determining whether you can get business loan but it can also be helpful in deciding whether you should provide or refuse credit to your customer. If you want to get a business loan from a bank or another financial institution than you should care about your business credit score. Just like the personal credit score shows how likely you are to repay your debt, business credit shows reliability and  creditworthiness of your business. Good business credit can help you get more favorable payment terms.   For example Emry Capital requires 550+ FICO for a line of credit and 530+ FICO for...

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You might think that cash flow and profit are the same terms that can be used interchangeably. They are indeed the key aspects of a business but they represent two different financial parameters. Business can have a positive cash flow but no profit or it can have large profit but negative cash flow. How is this possible? Cash flow is exactly what the name says, the way cash flow trough business,its inflow and outflow. Companies use it to meet current and near-term obligations. If company has a negative cash flow in the worst case scenario it can lead it bankruptcy. Positive cash flow means that business can always pay suppliers, meet payroll, purchase inventory, pay taxes and other expenses. Conserving a cash flow is one of the most important features of a good business. It takes time and planning, sometimes even professional assistance. Profit, also called net income is a difference between gross income and expenses. When you subtract your expenditures from your s...

As we mentioned earlier cash flow can cause serious financial troubles and is the most common reason why businesses fail. Some type of businesses like start-ups, construction, seasonal and contract businesses are more likely to have big fluctuations in cash flow. Nevertheless they have to find a way to pay the bills. There are expenses like rent and salaries that you have to pay every month but other unplanned expenses often emerge. Making a financial plan and budget will help you better manage your expenses and avoid cash shortages. Cash flow projection is especially important for start-up businesses since they usually need time to generate positive cash flow. Sometimes even if you make money on paper you can ran out if it and be forced to close the doors of your business. It is very likely that you will find yourself in situation that you need more working capital. Alternative to standard bank loan is business line of credit. Line of credit can help you solve your cas...

Financial plan is a very important part of your business plan. In this section you need to present the three main financial documents, income statement, cash flow projections and balance sheet. The point of financial plan is to determine is your business viable and this is the part that most investors will examine when deciding to invest in your business. Financial planing is more of a process  than a product. In order to create good financial plan you need to establish business goals. Monitoring the financial plan on a regular basis is essential to make necessary changes and achieve your business goals. When starting a business you will have two kinds of business costs, start-up and operating expenses. Start-up cost will get your business up and running while the operating costs are going to keep your business running. In order to make a good business plan you need to gather and analyze data. There are three main financial documents that will help you. Income statement sho...

Many small businesses have problems with their financial health. You may need to utilize financial statement analysis to diagnose the problem. The three most common ones are debt management, inventory control and collecting accounts receivable and they all can inhibit your business's cash flow. As we mentioned earlier cash flow is the main reason why businesses fail so it's very important  to have positive cash flow and avoid cash shortages. If you already have an existing loan that is causing the problem, you may be able to get a consolidation loan or negotiate the loan terms. Debt consolidation is a form of debt refinancing that involves taking out one loan to pay for many others. It can secure a lower interest rate and convenience of repaying only one loan.Usually you will repay the debt in set amount of time.  If that is not an option for you can renegotiate loan terms. Modification can include the interest rate or the length of the loan, rate s...