Business Capital Loans

1. WORKING CAPITAL FINANCE Understanding Working Capital Finance www.primefund.com

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3. Working Capital Management Understanding Working Capital Finance Numerous funds are required to setup a business and get it running. Working capital funding is the cost of funds that is used for the purpose of financing a business. Business cannot do without working capital financing. The cost of capital is dependent on the financing mode used for the purpose. It means the cost of equity if business is financed through equity only or cost of debt if debt was the sole means of finance.  Numerous companies use the combination of equity and debt for capital funding. Visit our website for More information on Business Capital Loans The ratio of the working capital finance shows whether the company possesses the short term assets to cover the short term debts of the business. Anything below 1 indicates negative WC and anything over 2 indicates company is not investing in the excess assets. The ratio between is 1.2 and 2.0 is considered adequate. If company fails to exceed its current asses from its current liabilities, it could be well on its way to disaster and have difficulty in paying back the short-term creditors. Page - 03

4. Working Capital Finance It is the measure of the efficiency and the short term financial health of a business.  Method of how to find working capital is stated below and can be understood by the following equation: Working Capital = Current Assets – Current Liabilities The ratio of the working capital finance shows whether the company possesses the short term assets to cover the short term debts of the business. Anything below 1 indicates negative WC and anything over 2 indicates company is not investing in the excess assets. The ratio between is 1.2 and 2.0 is considered adequate. If company fails to exceed its current asses from its current liabilities, it could be well on its way to disaster and have difficulty in paying back the short-term creditors. Our Services Visit our website for More information on Working Capital Finance Page - 04 www.carpenters.sg

5. Working Capital Loan Our Services The loan that is taken for the purpose of financing the daily routine operations of the business is called working capital loan. Working Capital Finance loans cannot be used to make long-term investments or buy long-term assets. They are used instead, to cover wages, accounts payable etc. Those businesses and companies that have cyclical sales or high seasonality usually rely on the working capital loans to help the business in time of reduced business activity. The cash available for financing the short-term operational needs of a business is called working capital. Businesses that do not have a sound source of funding may stagger under the weight of its own debt and capital funding is the fuel on which a business can run successfully. Different options can be chosen by the business in order to gain capital funding. Sometimes, more than one option can be used for capital funding. The selected mode of funding shall depend on the business’ desire to remain in debt, solvency of business owners at time of founding of company and the amount of money business shall need to launch itself and maintain through different situations. Page - 05

6. Business Capital Loans Under the Capital Fund Financing Program, private capital may be borrowed by PHA to renovate, improve and pledge depending on the availability of adoptions, a part of its future annual capital funds in order to make the timely debt service payments for conventional bank loan transaction or a bond. Generally, a time period between 60-90 days can be expected by the PHA.  The overall timeline for review shall rely on the completeness of the proposal as well as the responsiveness of the PHA team. The PHAs are advised to anticipate and the unforeseen issues that might arise. Visit our website for More information on Business Capital Loans They are expected to act accordingly if unexpected circumstances surface during the review process so that they are able to recover and come out of it efficiently and timely.   Page - 06

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8. Inventory Finance The obligations of PHA are also subject to the availability of appropriations by the Congress and compliance with both the regulatory and statutory requirements. A written approval by the HUD is required for all the capital funding transactions that pledge, obstruct or provide security interest in other property or public housing assets including capital funds and use them for debt payment or financing costs. A PHA is required to submit a financial proposal in order to get the HUD approval. It includes a term sheet, complete financial documents and justification for use of the capital funding for financing. The guidelines for CFFP program are listed below: Visit our website for More information on Inventory Finance Page - 08

9. Inventory Finance Our Services The loan that is taken for the purpose of financing the daily routine operations of the business is called working capital loan. Working Capital Finance loans cannot be used to make long-term investments or buy long-term assets. They are used instead, to cover wages, accounts payable etc. Those businesses and companies that have cyclical sales or high seasonality usually rely on the working capital loans to help the business in time of reduced business activity. The cash available for financing the short-term operational needs of a business is called working capital. Sometimes companies lack in having sufficient cash on hand or asset conversion for covering the daily operational expenses, taking working capital loan acts as basic corporate debt borrowings which are utilized by the business to finance the daily operations of the company. Visit our website for More information on Inventory Finance Page - 09

10. How To Find Working Capital Prime Fund’s approach to financing selection: commitment to fundamental research, long-term investment, emphasis on individual decision-making while centered on trust and value to our clients. Our group consists of a seasoned professional team with decades of experience in banking, finance, real estate, high tech, entrepreneurship, consulting, strategic and tactical business development and operations. Follow Us Our mission is to provide only the finest quality of carpentry works, exhibiting our years of experience and workmanship through every single plank, every single nail, every single laminate that we use. For Any Query Visit our Site At:- www.primefund.com Page - 10