For Commerce
Single Business Account
A single account which adds your current account –where you pay money in, set up direct debits, payments and all your day to day management– to a custom credit account to cover your business's different needs - financing stock, unexpected events, improvements, etc.
This credit lasts for a maximum of 7 years and it can be renewed annually, reducing notary costs to a minimum. Another advantage is that financial costs decrease in proportion to the revenue brought in.
The Single Business Account provides customers with a greater ability to negotiate con with their suppliers as the discount they generally give if you can bring payments forward is much higher than the financial cost we might charge.
Leasing
Leasing or “financial rental” is a financing system which provides production equipment when you need it.
You can enjoy significant advantages and comfortably finance all the essential tools for your business: vehicles, computer equipment, premises, etc.
At the end of the contract, you can:
- Return the equipment.
- Arrange a new contract.
- Purchase the equipment at its residual value.
Taxation
Financial charges will be 100% tax-deductible in addition to recovering the cost of the equipment.
Advantages
- Accelerated amortisation of the equipment.
- Your own resources are not tied up and so can be put to good use with other investments.
Duration
From 2 to 5 years for furniture, with a maximum of 15 years for other modalities.
Renting
Equipment rental contract (vehicles and industrial equipment) In exchange for a monthly quota, you will obtain a series of services including the use of equipment, maintenance and fully comprehensive insurance.
Taxation
The quotas are considered as tax deductible payments.
dvantages
You do not tie up your business’s resource, giving you greater cash flow; furthermore this is not reflected in the cash flow balance. It is counted as an additional expense, grouping together all the services into a single payment.
Duration
The contract last between 1 and 5 years, depending on the type of equipment and its value.
Loans
In Caja Navarra our customers have credit and so they have a wide range of loans available to fit each situation. In addition, the better our relationship, the more advantageous financing will be available.
- Mortgage guarantee loans, to buy sales premises. Not ruling out other guarantees depending on the terms.
- Personalised study loan, to transfer a business, set up a franchise or renovate your business.
More products in this area
Didn't you need this product? See the rest: