Financing line to facilitate the goods buy
 The financing line alludes to the total granted for the financing of some product or service; the same one can be granted by means of a credit, a loan or a subsidy that can be offered on the part of the government especially for those projects carried out by companies or associations in order to try an advance as for the development of the society. The principal target that chases the financing line is to facilitate the development of different financial activities, in this case the loans and credits, so that this way it could be possible they to be granted both to individual persons and to companies and different types of commercial entities.
It is important to bear in mind that any financial company works all his products based on a financing line since she is this one who allows to the company to determine the minimal and maximum totals that it is capable of granting in the credits and requested loans. This is a fundamental tool that cannot be missing in the financial circuit since basically it is the determinant of all the financial activities that develop in this ambience. The financing line is also a fundamental part of the planning of a company in account to the granting of the credits and loans that it is ready to grant. Since we have said according to the line of financing that should possess every entity, they calm the totals with which the same one will be able to work for it there is very important a correct analysis of all the resources that lender possesses an entity to be able to achieve that the line of financing that corresponds to him is capable of helping her to grant the services that the same one offers. It is important that we emphasize also that the financing line is a fundamental element as for the planning of the resources that a company possesses lender; such it is so on the financing line there will depend the different plans that the entity could offer to his clients, for it it is important to mention that those entities of loans that do not work with a line of specific financing, are usually slightly reliable since they do not have with that to endorse the money that is delivered to his clients.
The financing lines in the companies
 It is important that we emphasize that the financing line usually provides a finished coverage as for the practice of the needs for financing that the commercial companies usually present. For it the principal characteristics for which one emphasizes the financing line are usually, the credit granting; the commercial discount for the companies and his joint advance in the commercial credits; the invoices advance; the financing of operations of exports; the products themselves of the exterior commerce, for example, the credits documentarios, the buy of checks, the options of currencies, insurances of change, etc., the guarantees linked to the commercial activity of the company in question. Also we must emphasize some of the advantages from the financing line as there can be the saving of the costs and especially the saving as for the time that takes the procedure corresponding to any type of financing that is requested. The rapidity of the authorization and later renewal of the accounts corresponding on the credit that the company possesses; the flexibility that possesses the credit line on having allowed to manage the global limit of the company, according to the needs for financing of the same one.
Also the financing line for companies is provided with minimal amounts that in general are located in the number for 130.000 euros, and in case of the amount minimums for the credit accounts that are endorsed by the financing line, we can say that it is 100.000 euros.
It is important that it is considered that the same ones cannot exceed 80 % of the global limit that possesses the credit line. The economic conditions with which the financing line is provided are usually the analysis commission on the maximum limit of the credit as for his constitution or renewal; in turn the interest rate and commissions can change according to which be the type of product that is linked straight to the financing line. Finally we will say that the expenses corresponding to the line of financing of companies only limit themselves to an insurance policy that must be correspondientemente taken control by a public notary. |
