How to Make an Effective Cash Flow Statement


Basic knowledge about matters related to accounting and recording financial transactions are a prerequisite for successful management. Knowing what is happening to the company’s capital and keeping all the information organized is extremely important when the goal is to have a healthy and growing business. for an assessment

From this, the cash flow statement (DFC) is a strong ally in the task of recording and managing all the resources involved in the business activity. It indicates what the inflows and outflows were in the cash register and thus shows the context in which the company is located and its ability to generate cash and cash equivalents.

In addition to being a mandatory demonstration for many types of company, DFC allows the manager to know the financial context and the possibilities of his enterprise. From it, it is also possible to detect situations of fraud or accounting errors.

Given its importance, we list below some important steps for anyone who wants to know how to do cash flow demonstration and ensure the prosperity and financial organization of your business. Check it out and ask your questions about it!

Structure of the DFC

Structure of the DFC

The DFC is structured around operational, investment and financing activities. According to the Accounting Portal , this structure results from the approval, in 2008, of CVM Deliberation 547/2008, which approved Technical Pronouncement CPC 03 and addresses the cash flow statement.

The CPC is a Accounting Pronouncements Committee that regulates accounting standards in Brazil and its purpose is to study, prepare and issue some Technical Pronouncements on Accounting Procedures. Therefore, it is necessary to comply with this regulation to ensure not only its financial health, but also its legality.

Next, we will explain each of these activities involved in structuring the CFD so that it is possible to make a correct demonstration that fulfills its task of assisting in the administration of the company. Follow us!

Operational activities

Operational activities

Operating activities are the main revenue generating operations of the company. From these, the amount of cash flow is structured that allows the fulfillment of obligations such as payment of suppliers, amortization of loans, maintenance of operational activity, payment of fixed costs, among others.

All events that do not fall into investment or financing activities are classified as operating activities – covering processes from production to sale of the final product.

Investment activities

Investment activities

Anyone who is looking for how to make efficient cash flow demonstration should pay attention to investment activities. They consist of the movement of assets, whether through purchase or sale of them.

Among these assets, the acquisition of equipment, works of art and / or participation in other companies are some examples that fall into the investment group. To be part of this classification, it is necessary to observe whether the purpose of the asset is to bring benefits and income to the company. However, such assets should not play a fundamental role in maintaining the activities considered routine and not even essential to the normal operation of the company.

In this way, we can conclude that any non-current assets that bring benefits to the company can be classified as investment activity.

Financing activities

Financing activities

The financing activities are those carried out to finance the business activities. When the need for recourse can not be supplied by the company itself, it is necessary to raise capital from third parties in order to maintain operational activities.

Whether through the issuance of debentures, loans, promissory notes or other debt securities, the recording of financing activities allow a forecast of future cash needs and the obligations that must be honored in the coming periods.

Result of DFC

Result of DFC

The structure of the cash flow and its statement is the sum of the net result of the three types of activity that the DFC encompasses. As the Financial Dictionary points out, it should also take into account the difference in balances between the beginning and the end of the period considered.

This result is a good tool to guide the manager’s decision making, based on actual figures that show the company’s financial situation. From this, it will be possible to solve problems such as pressure to reduce costs, problems of financial and employee management, improved control of fixed and variable costs and negotiation with suppliers.

Methods of elaborating the CFD

Methods of elaborating the CFD

The DFC can be elaborated from the direct method or from the indirect method. While the direct method consists of presenting the cash flows through their gross values, the indirect method determines that these flows must be demonstrated from net income – with the proper adjustment of accounts that affect the result, such as amortization and depreciation.

The gross value corresponds to the original value, that is, really what went in or out without reductions. The net amount consists of the movement of the cash flow after some deductions have been made.

The first step to knowing how to do cash flow demonstration was given. Now you need to apply that knowledge and structure your demonstration to reap the benefits that that practice can bring.

Tip: The Treasy platform offers a free downloadable cash flow demonstration template that can help you track your company’s financial performance. How about starting here? It is a good way to apply your knowledge to make an effective cash flow statement.

Although the entrepreneur has the necessary technical knowledge to run the company and to continue business, problems related to financial management can be easily solved by deepening the subject and some specialized help.

Those who intend to organize themselves financially, be more productive or carry out a more efficient management must keep up to date and seek constant learning, especially with regard to accounting and financial organization. Now that you already know how to do cash flow demonstration, check out 4 practical tips to make the financial manager’s day-to-day life easier , they will help you to perfect yourself and have even better business results!

Corporate Credit Card – Business Plans

Corporate Credit Card is an invention that gives you extended financial liquidity for 57 days, and is an alternative to the limit in your account. What does this mean in practice? This is the time when we can use the granted credit card limit with a deferred payment date without interest costs.

You must pay with a credit card – we do not incur additional costs when doing this. The cash transaction is not appreciated but it is not impossible to perform, unfortunately it involves costs – quite high: the ATM withdrawal costs about 2% of the amount of implementation and sometimes interest on the “borrowed” cash amount. The interest rate on credit card loans is 15 to 20 percent depending on the offer.

You should treat the payment of cash from your credit card as a failure to fail. Good advice – do not use like a debit card looking through the prism of cash withdrawal.

When examining the creditworthiness of the process of obtaining a limit on a credit card, simplified procedures are applied because the credit card is usually an addition to other products that the Entrepreneur possesses.

What the card gives us:

What the card gives us:

– grace period

– fast non-cash payment

– only a minimum of 5% loan repayment

– convenience regarding the extension of the time the customer settles the payment

– advantages of non-cash settlement with the card

– free transfer from the card

– membership in various loyalty programs

Observing the market and opinions of Investors I work with every day shows that ING credit card is the best one to use, because nothing is paid for its service if during the year transactions are made for a minimum of PLN 500 is not paying anything. An additional advantage is the availability of two billing cycles; you can also apply for an additional card eg for a partner; child’s area 13 years old, wife – husband.

An important additional addition is the ability to temporarily block the card – 30 days – after 30 days the card is automatically reserved. The card is a contactless card if you want.

What additional benefits / functionalities we may have / use in addition:

What additional benefits / functionalities we may have / use in addition:

– 3D Secure service – Additional protection of payments on the Internet. In stores that support 3D Secure, transactions are confirmed by a one-time SMS code. You do not have to run anything extra. 3D Secure for our cards works automatically.

– Chargeback service – cash recovery (chargebacks) for services or purchases that will not be executed (eg goods not in accordance with the order, canceled concert).

To sum up: if the entrepreneur repays the loan on an interest-free basis, avoids ATMs and meets the requirements set by the bank in order to exempt the annual fee, it gains in principle a free source of short-term financing of current operations. Otherwise, costs associated with the card can be thrown into the costs of obtaining income.


10 Steps to Develop Your Own Business | Business Loans



Do you often ask me how to develop my own business? The question is so extensive that every entrepreneur would find a different answer. Below I will describe my subjective advice, let me know in a comment which of them inspire you the most. An assessment at

I have been running my own business since 2011. I know what it means to add to your own business, work 12 hours a day and barely make ends meet. Although many of you “admire” entrepreneurs, I encourage you to start your own business to reflect and analyze “the worst and the best path of events”. I do not want to discourage you, but remember that the strongest will survive and in business you must have a “hard ass” and assertiveness.

Below I wrote down 10 steps that come to my mind when I think about the development of my own company. This is a subjective answer. What’s good for me may not always be good for you. I hope, however, that the answers will inspire you:

1. Start small steps, write down the vision, mission and company rules. Follow the business plan, for yourself, not for the bank.

1. Start small steps, write down the vision, mission and company rules. Follow the business plan, for yourself, not for the bank.

Nothing will happen overnight, just like every building we always put on foundations, then we choose the right bricks. Your foundation is the reason why you start a business.

  • Why do you want to have a company?
  • How do you want to help others through what you do?
  • What is your mission, vision, what are your goals?

If you are like a ship that has sailed out of the port, but does not know where it is going, your business will be like a ship without aim and without wind in the wind moving in the wind .. slightly reckless, I think …

2. Start building a business on a stable and strong foundation. Build yourself and then a strong team.

2. Start building a business on a stable and strong foundation. Build yourself and then a strong team.

Your foundation is yours, your convictions, possibilities, skills, knowledge, remember to build yourself first, and then build a business on this stable basis. You are the main commander, so it is extremely important that you have confidence in yourself, believe in yourself that what you do is good, serves other people and the department in its own favor effectively managed yourself in time. I’m sorry when I see people who want to achieve a goal and are sabotaging themselves internally. We are often the worst friend to ourselves because we put logs under our feet. Why is this happening? Why do not we trust each other? Build your faith in yourself and confidence every day because it is the foundation on which you will put your building. And every building even the best made of the most expensive bricks at the moment when it will have weak foundations will destroy itself. The fish breaks from the head, do not let your ego destroy your business.

Look for people to the team better than you, work with experts, people full of energy and willingness to act, do not let yourself be mediocre.

3. Delegate. Do not try to do everything yourself. Search for expert .

There are so many people in the world who are experts in areas where we do not know each other, and they can help us in the development of our business. So start to delegate and use the knowledge of people who are smarter than you, and not those who have cheap services and do not know what to do. Focus on quality and use the skills of people who have experience and effects in the field that you are just developing. If you care about the dissemination of your activities on the Internet, in internet marketing use the advice of people who have already done it, who have extensive experience, but above all have customers – people who watch them and follow their online activities.

4. Analyze. Perform benchmarking. Model the strategy of the most effective people in your industry.

Analyze the market. Perform benchmarking. Once again, you do not have to do everything yourself. There are many people who will perform similar to your profession, so take their advice and advice. Pay attention to their actions and think about how you can use their actions at home.

5. Ask for instructions from other people – but also experts ?

Find three people in your industry that inspire you, which have gone much further from you. People who have developed their business similar to yours, but in a different place, i.e. they are not your competitors, have a different customer base. It is worth to invite such a person for coffee and ask for directions. Ask what mistakes they made to not do the same. We are all here to support each other to help each other, so look for the people you grow in, where you can be better than yourself yesterday. Compete only with yourself to be better than yourself yesterday each day.

6. Get the most out of knowledge – books, audiobooks, conversations with intelligent people.

Find out as much as possible about your industry, about its risks, possibilities, how much time it can take to succeed, do not give up. It always takes time, nothing will happen.
Use training, workshops and networking meetings. My beloved meetings are a woman in business, of course, I love to surround myself surrounded by positive, ambitious people. That’s why I created these meetings.

7. Build a team, not only at work.

Find people that you can grow, people you can grow around. Look for a supportive environment, give up people who are pulling you down.

A group of people in which you can help each other to succeed. Use the advice of mentors. For this purpose, I will give you a story about a certain hairdresser who in a small town for 15 years had his hair salon and cut off men for 50 zlotys. He was very much attached to his work, clients loved him, he devoted the most time to everyone. Suddenly, in the small town, a second salon with a great sign opened up opposite to it = we guard for 25 zlotys. The owner of the first salon could not break down and one day he decided to use the support of a business coach recommended by his friends. The business coach said that he would give him some advice thanks to which he would gain much more clients as long as he paid 1000 PLN for the service. The distraught hairdresser shrugged his shoulders and found that there was no amount to spend, so the business trainer offered advice at no charge, but if the advice of the hairdresser would work, he would pay 1,500 zlotys. Satisfied hairdresser did not think long and agreed. The business coach whispered something to him and left. The hairdresser carried out the orders of a business trainer and a few days later his sale soared up.

What did the Coach advise him? He advised him to make a bigger sign than the competition with the inscription “I am correcting after cutting for PLN 25”. What moral of it? Think about whether what you do is for others, whether you solve human problems and whether you meet the needs of others. Any business based on the desire to support and help other people can be successful.

8. Enter daily rituals, that is, questions and conclusions from each day.

I always thank you in the morning for what I already have, then I wonder what a small thing I can do today to achieve my goal? In the goal log, he records my goals, conclusions, and summarizes each week. Every day in the evening, he writes down the conclusions, which he taught me today, what not to do and what needs to be improved.

Also, enter the 10 Kaizen Principles for daily rituals (I’ve described them all in the Kaizen Business Book), read them each day and think about how you can put these tips into your business?

9. Minimalism. Delete everything that does not serve you.

Follow the rule less is more. Have fewer friends, but more valuable. Shorter working time but more qualitative. Less chatter and wrapping in the bush, and more specific conclusions and actions. Constantly give up what no longer serves you. Nothing new will appear in your life until you give up the old one.

10. The last point is patience, perseverance, self-discipline and self-improvement .

Every fisherman, when going fishing, he is fishing and waiting patiently. Do you think that he would catch anything if he checked his hook every 5 minutes? Do you think that a farmer sowing grain, every 5 mins burrows in the ground checking if it has already sprouted? Think, plan, act, wait patiently.

I hope that in these few steps you have found something for yourself. Remember – act because nothing can replace the action.

Therefore, from October 5, 2018 I invite you to the training entitled:

“Sales and marketing strategy for your company – implementation scheme that will take your company to the next level.”


If you are an entrepreneurial woman and want to learn how to improve your company, so that your sales grow steadily, without your time involved in selling, join us.

This training is a lever for your business.



• You run your own business
• You want to take it to a higher level
• You want to surround yourself with an environment of ambitious, enterprising women and grow in business
• You want to find support for women who are struggling with the same problems as you and understand them
• You want to have a company that gives you more and more money, time and peace

Join us. During the training you will meet new people and gain partners for cooperation. You will build the recognition of your business, which in turn will translate into its development.

Why is it worth it?

• You will learn to work with NAD business
• You will cease to be a slave to your company
• Simplify management and systematize business
• Sales in your company will grow steadily, without your time involved in selling and controlling employees
• You eliminate the most common mistakes made while running a business
• You will learn about a system that will optimize your sales for years
• You will earn more money in less time, thanks to Kaizen’s strategy

In the end you will do something for yourself (and not just for your family), you will spend time productively in the group of enterprising women. The number of places is limited, the order of applications decides. registration:

This training is in the form of a WORKSHOP, you will receive a ready diagram of the preparation of marketing and sales strategies so that you regain your time and cease to be a slave to your business.



Key Points to Expand Your Business



Making a business grow and walking with one’s legs is a great dream and at the same time a great challenge for traders and entrepreneurs. Selling well, gaining market space and gaining new customers are positive indicators that encourage micro and small entrepreneurs to focus on expanding their business. has more notes

But what many of them do not know – or do not pay attention to – is that the growth of a company also depends on other factors, such as the organization of cash flow and the investment in employees and production processes. When done on time or in the wrong way, this step can be larger than the leg, bringing more problems than benefits.

In this post we have put together a series of tips and guidelines that will help you get organized to expand your business on time, in a healthy and sustainable way . Check out!

Is your company really ready to grow?

Is your company really ready to grow?

Before making any decisions, visualize all the aspects that involve expanding your business and ask yourself: Is my company really ready to grow?

To answer this question you need to have a minimum structure required. So, make an analysis around three main points:



Is your business in danger of disappearing over time? Take into consideration the sector in which you are inserted and the growth that it has been having in the market. If it is positive, your company will probably follow that flow.

But be careful not to confuse ascension with fadism. Therefore, it is best to complete one or more cycles that show that the business really is perennial. For example, if you opened a gelateria, the ideal is to consider the period of two or three seasons – from one summer to the next – to make sure that the business will be firm.

Loyal customers

Loyal customers

Surely you have heard that customer loyalty is much more difficult than winning new ones. And it’s true. A solid base of satisfied customers with your product, service or service says a lot about the robustness of your company. At this point, expanding your business, more than a will, can also be a necessity.

Remember that keeping your customer roster up to date can help you a lot up there when your business is already bigger.

Financial planning

To put the expansion of the business into practice it is necessary to have a very well structured financial planning . Organize your cash flow , analyze the risks, and evaluate current and future profits. This will help you identify what investment will be needed and how long you will have the return on it.

It’s time! What are the first steps?


Now that you know that your company is ready to grow healthily, you can begin to chart your way to expanding your business . But how to do this? The first step is to identify which expansion model best suits your needs. Some options are:



In the franchise system is the franchisee who assumes the risk of creating the venture. In return, he receives the training and work model that were developed by the matrix.

To get started, you need to have an analysis of your company’s legal status and well-planned strategic planning. In addition, to have a standardization of the quality of your product or service, it is very important to define your market position, value of your brand, factors that differentiate you from the main competitors and what your business model.



Because it requires more planning, dedication and a very efficient management, this expansion model represents a big step. Only the company’s high billing does not justify such a decision. In addition to producing more, it is necessary to generate enough capital to sustain the new unit. In some cases, for example, it is necessary to recalculate the value of the final product to ensure return on investment in less time.

One tip: Keep all finances separate. That way you can measure the results and prevent the affiliate from interfering with the financial health of the business as a whole.

New sales channels

New sales channels

For those who are not yet ready to open new units, expanding sales channels is also a way to expand their business. For example, if you have a beach fashion store, an interesting option could be to open an e-commerce or get commercial representatives to take your product to other places.

Do not forget that from the moment you add a new business model to your company, all financial and operational management should be re-evaluated.

Increase in product variety

Increase in product variety

A simpler way to make your business grow is to complement the options available to your customers and extend the products offered. Thus, the old customers start to invest more and there is the possibility of attracting new ones. Another advantage is that the lags caused by periods with less movement tend to decrease.

How to organize for a fast and healthy growth of your company?

How to organize for a fast and healthy growth of your company?

Once you decide what your company’s expansion model will look like, it’s time to get organized to put the plan into practice.

It is common that, at that time, the entrepreneur sees the need to increase his income so that his projects can get off the paper. Increased number of employees, improvement of production processes, purchase of more raw material and investment in a new space are common expenses during the expansion.

Taking into account that strategy and planning are already well aligned at this stage, contracting credit in the right way can be a good solution. Thus, it will be possible to invest in the growth of your business without compromising your financial health.


So, did you like this article? We at BizCapital are here to help business owners who want to see their business take off! Keep an eye on our blog and check out other tips on the world of entrepreneurship.


Business Loan Tracks



Poalei Agudat Israel Bank was established about fifty years ago and today functions as a branch of FIBI. Most of the private and business customers come from the religious sector, which is interested in receiving services according to their lifestyle. The general conduct of Bank Poalei Agudat Israel is carried out while taking into consideration the cultural characteristics of the customers and recognizing the differences in the population. See for further editorial

The small size of the Poalei Agudat Israel Bank, compared to other banks, and the unique niche to which it relates are what enable it to operate successfully and with great flexibility vis-à-vis the public it serves. This is especially important when one considers the unique lifestyle of the Haredi population in terms of current income, employment habits, family size, and more.

At the same time, it is worth mentioning that the fact that PAGI is part of a large financial body such as the First International Group provides stability and security to both customers and employees of the Bank. Wide.

Business loan tracks

Business loan tracks


Most of the business loan routes are available at the International branches, of which PAGI is a part, but credit can often be taken from the PAGI branch.

  • Personalized business loan – This is a particularly flexible credit track where the customer can choose the times when he returns the loan, change it if necessary, and even update the amounts of money he can repay at any time. The additional advantages of the track are the receipt of the loan without the need for collateral or guarantors on the part of the borrower, exemption from commissions, and the early repayment is made without any additional payments. The credit is immediately available online and the account is credited within a very short period of time (subject to approval by the credit department).
    The maximum amount of business credit in this channel is NIS 150,000, while the longest repayment period can be extended up to seven years. The other terms will be presented at the time of filing the loan application on the PAGI or FIBI website.
  • Direct Business Credit – The above track is available on the PAGI and FIBI website or at the branch in a very fast manner. According to the route’s definitions, there is no need at all for evenings or collateral, and the customer of course chooses the amount that suits him best (the bank will approve the loan only after examining the borrower’s characteristics). The amount of the loan that can be taken up to NIS 150,000 will be transferred immediately after receiving the approval.
  • A business loan for purchasing a vehicle – this option, like the others, is available mainly at the international branches. There are two main tracks for financing a vehicle purchase through a business loan – a crane track and a regular track. If we refer to the regular track, the customer receives credit at a maximum of 80% of the value of the vehicle, up to a period of five years. The second channel, on the other hand, is dependent on the expense of equity of about NIS 30,000 by the customer, with the rest of the money coming from the bank by bridge loan and other available loan tracks.

We at the Help Center for Business have set a goal to link potential business borrowers with financial entities that offer the most attractive loan pathways in the market. Since the credit market in Israel is developing rapidly, it is important to conduct a thorough market survey before a final decision, in order to reduce costs and waive unnecessary items.

If you wish to take business credit soon, we can refer you to experienced professionals who will be able to offer you the optimal channels for you . All you need to do is fill in your contact details on this page and we promise to contact you as soon as possible.


Loan and Credit Card | Business Loan



 Published in June 28, 2018 November 27, 2018 Tags: consigned credit card , CET , payroll deductible loan , payroll deductible loan , credit limit , payable margin , interest rate

Ever imagined having a loan and a paycheck-deductible credit card at the same time?

Know in which cases this is possible and advisable, so as not to commit more than what is allowed monthly.

One of the most common questions about payroll loan is:

I have a payroll loan. Can I hire another or request a paycheck credit card?

The answer is yes. It is possible to have loan and payday loan at the same time.

But, after all, what are these credit lines?

The payroll loan is a personal credit modality that has facilitated the lives of several people.

One of the reasons is because it offers the lowest interest rates on the market and longer terms for payment.

And best of all is that you can also use the same benefits of payroll deductible credit, using the payroll deductible credit card , which is basically a traditional credit card junction with the payroll deductible loan.

The workings of payday loans are similar to those of any other type of credit card.

The consumer has a credit limit to make purchases and in return he pays a monthly installment.

In addition, just like conventional credit cards, you can pay for purchases and make withdrawals. In the latter case, it is necessary to evaluate with the bank this option.

The difference, in this case, is that the invoice is deducted directly from the payroll or INSS benefit .

As the consignment is guaranteed, banks have fewer risks in this type of financial transaction. On the other hand, they can offer customers advantages.

Also read: How does payroll work?

Thus, Retirees, Pensioners, Public Servants, Private and Military Workers can use the loan and payroll deductible credit card at the same time .

However, there are some rules that must be respected. Here’s what they are!

How much can you commit to income from loans?

How much can you commit to income from loans?

Both the credit released on account and the credit card itself are considered as loans.

To simplify the analysis, simply consider that both are solutions for those who need extra money. And therefore, as it is a service offered by banks or financial institutions, they must be paid within a certain period.

Because they are generally long-term debt, all loans should be used only when necessary.

The recommendations of experts in finance and economists is to take out a loan to take out more expensive debts .

The same goes for cases where additional money is needed for an emergency, for example, where the payroll deductible credit card can be used.

Due to this, and to avoid the indebtedness of eligible groups, Law 10.820 / 2003 was established .

According to this law, a limit value was established for loans or credit cards, whose discounts are automatically realized in the salary or INSS benefit .

This value is called the assignable margin . Therefore, according to the law, the monthly installments of the loan must not exceed 35% of the monthly income of the applicant.

But there is an important detail: of this limit of 35%, only 5% can be used on the payroll credit card.

Thus, it is possible to contract a loan and payroll deductible credit card at the same time , provided that the limit of 35% of the consignable margin is respected.

For example, if the benefit is R $ 1,000 and the beneficiary has the payroll deductible loan and the payroll deductible credit card at the same time, the loan monthly payment can not exceed R $ 300.

The expenses with the credit card can not exceed R $ 50.00.

It is worth remembering that it is not necessary to use the entire limit of the assignable margin at the same time.

You also do not have to hire all the loans in the same bank and you do not have to register with the bank of interest.

After all, you must hire the consigned loan with awareness . And also because you never know when an emergency will occur, where a financial reserve can make a difference.

Margin of 30%

As mentioned above, the limit percentage 30% of the assignable margin should only be used for consigned loans.

That is, if the consumer already has a loan in place, but has not yet used the whole assignable margin, it is possible to acquire another. What does not happen, in case it is already without available margin .

In order to contract a new payroll loan , it is sufficient to have available assignable margin and not to have reached the number of contracts allowed by CPF.

Today, INSS Pensioners and Pensioners can hire up to 9 payroll deductible credit lines.

In order to know the value of the available consignment margin, the calculation of free consignable margin is very simple.

Based on the same previous example, in which the assignable margin was R $ 350.00, if one of the current contracts has installments of R $ 230.00, the remaining balance will be R $ 120.00.

This is the free margin that can be used in one or more contracts.

Margin assignable from 5%

The percentage of 5% over the net amount of the monthly income, should be used exclusively to pay the consigned credit card expenses.

As with paycheck-deductible loans, payroll deductible credit card expenses are charged directly to the INSS benefit.

However, only the minimum value (5% of the consignable margin) is discounted .

If there is an excess amount of the monthly invoice, the payment will be the responsibility of the beneficiary.

Read also: 7 Tips for Not Borrowing with the Consigned Credit Card

In addition, unlike the margin for the loan, the margin of the consigned card may only be used once.

To purchase the payroll deductible credit card, Federal Public Servants (SIAPE) must issue the consignee authorization , on behalf of the bank.

In which cases should I use the Payroll Loan?

In which cases should I use the Payroll Loan?

Payroll-deductible loans can be a real ally of financial health, since lower interest rates and payment terms that can be up to 96 months make it easier to organize finances.

INSS Pensioners and Pensioners pay 2.08% per month of nominal interest rate. This figure is even lower for Public Servers: 2.05% per month.

On the other hand, the decision to apply for the loan should always be taken with caution. Poor planning can disrupt future plans and facilitate borrowing.

Therefore, it is interesting to search from the most appropriate type of loan, to the bank that offers the most appropriate rates.

A good reason to use payroll deductible credit would be to pay off more expensive debt, such as overdraft or conventional credit card.

This is a way to reduce the total amount of interest and exchange a more expensive debt for a cheaper one.

It is also interesting to use the payroll loan in case of high value purchases.

In case of any medical emergency or even to make that dream trip , avoiding to incur debts with the credit card.

In these situations, payroll can be a great alternative, as it allows you to pay in a longer period, with fixed installments and lower interest.

In which cases should I use the Consigned Credit Card?

In which cases should I use the Consigned Credit Card?

The payday loan is an excellent option compared to conventional credit card and other lines of credit.

In the end, one of its biggest attractions ends up being the offer of cheaper interest rates .

The paycheck-deductible credit card rate varies between 3.5% and 5% per month. While in conventional cards, this figure can reach more than 20% per month.

Its use is recommended in cases where there is a need for piecemeal purchases and higher credit limits.

It is not recommended for purchases of smaller and recurring amounts, since they can jeopardize the budget, without necessity.

In any case, it is also important to remember that, even if interest rates are lower, all credit should be used conscientiously .

How to Apply for an Online Payday Loan or Credit Card

If you:

  • It Retired, Pensioner, Public Servers Worker, private or military companies,
  • It has available consignable margin,
  • And you are thinking of taking out a loan and payday loan at the same time,

Know that it is possible to carry out the whole process online without leaving the house!

With bxblue you can compare interest rates and receive proposals from various banks, in addition to doing all the hiring online.

To simulate credit or paycheck-deductible credit card online, just have the RG, CPF, proof of residence and income.

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Business Loans – Loan for Business – Financial Accompaniment

As a business owner, this scenario is familiar to you: the moment you realize that there is no choice but to go to the bank branch where your account is managed and ask for a loan of one size or another, which will allow you to have a proper cash flow – at least for a certain period of time. What is important to emphasize is that you have just entered a very broad field of play, if only because there are quite a few options in choosing loans for the business. has details

This article discusses the common possibilities of taking loans for businesses, with important emphasis on each.


In each case, it is recommended to define as the first step the amount and the duration of the repayment period, according to the needs of the business at the current point in time and its repayment ability.

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The main types of business loans (or : specific repayment method)

The main types of business loans (or : specific repayment method)

The loans are divided into four main groups. First, there will be balloon loans, in which the principal and interest pays the borrower at the end of the loan period (the loans are machinery so that they grow throughout the loan period). Such an option would be especially suitable for business owners who need money at a certain point in time and know that in the future they are supposed to receive a defined amount of money. In most cases, the lender – usually the bank – will examine the source of the future funds, and especially the probability of its financial realization, sometimes as a condition for approval of the loan.

The second type of loans for a business is Grace loans, whose basic principle is the payment of the interest only on a regular basis, while the loan fund began to be paid after a certain period, in one payment or in several installments. This loan is also suitable as a bridge loan or intermediate loan.

On loans based on repayment of fixed principal payments. In loans of this type, each installment consists of relative and equal portions of the loan amount to which the periodic interest is added to what remains of the fund. In other words: here, the first payments will be high, but will gradually decrease, together with the fair in interest amounts. This loan tends to choose business owners whose repayment ability in the present, they believe, will be greater than the future.

The last type is a loan with equal periodic repayments, also known as a “Spitzer Table” loan – in fact, this is the most common loan today. The principle here is that each periodic payment of the loan is identical and consists of principal and interest, with the progress of the payments, the principal component of the repayment increases and the interest component decreases. The calculation of the fixed refund is done in accordance with the amortization schedule, as well as with other financial calculators. This loan will be suitable for businesses that believe there is no difference in their repayment ability in the present versus the future.

How do you calculate the interest rate of a business loan?

How do you calculate the interest rate of a business loan?

When it comes to calculating interest on the loan, it is customary to distinguish between five options. The first type, which is not overly common, is a fixed rate loan, which is not indexed. The problem here is that the interest rate is not only fixed, but usually high, so that the lender will not suffer from changes in the interest rate in the economy. Along with stability in repayment amounts, the method includes several disadvantages, such as a possible decline in interest rates, or alternatively, a particularly high repayment commission.

There are currently two types of indexed loans, the next. The first is based on fixed interest, determined in advance but linked, together with the principal, to the consumer price index. Such a loan will be suitable for periods in which the interest rate is relatively low, while the risks are high inflation, a decrease in the interest rate and an early repayment commission that is not canceled. A floating-rate floating-rate loan is based on the fact that the principal and the interest rate are linked to the CPI: the interest is determined at the starting point of the loan, but it varies from each period set in advance according to the change in interest rates. The borrower enjoys a low interest rate at the beginning of the road and allows the loan to be paid, at the time of the change, without payment of a commission. The main risk here is an increase in the interest rate and commissions on repayment that is not at the change points.

The fourth loan is a loan that is not linked to a prime interest rate, ie, one in which the interest rate is determined according to the prime interest rate and is found at a fixed spread thereof: any change in prime interest will affect the loan. On the positive side, the borrower enjoys a decrease in the principal of the loan or interest rates, as well as the possibility of repayment without commissions. On the other hand, scenarios such as an increase in the interest rate or significant fluctuations in the repayment level can be mentioned. Therefore, it is especially suitable for flexible and peaceful.

The fifth and final type is a foreign currency linked loan whose interest rate is fixed.The difference between it and the fixed-rate linked loan is that the interest rate and principal of the loan are indexed to foreign currency, which has been defined in advance, and will be suitable mainly for a business owner whose repayment sources are also linked to the selected foreign currency. Typically, an early repayment of the loan can be made without a commission.

In each case, it should be noted that it is crucial to conduct intelligent negotiations with representatives of the Bank, or even to conduct a market survey with other banks. Of course, at any moment you can use the services of a financial consultant, who can direct the business owner towards the ideal decisions for him.

Understand the Relation between Working Capital and Business Stock


As we have described in several other texts of this blog, raising working capital reduces the profitability of the company. This maximum is also valid for inventories, which belong to the group of current assets. Inventory management is one of the most challenging areas of the administration, its failure can even make the company unfeasible. for further explanation

In this article, we will better explain the relationship between working capital and inventories. We will also give you tips on how to better manage these two primary factors in corporate finance.

How does working capital relate to stocks?

How does working capital relate to stocks?

As is well known, working capital is the volume of resources required to run the company in the short term. It serves to pay operational bills as well as to purchase inputs. In trading companies, most of the working capital goes into stocks.

Obviously there are companies that sell to order and work without stocks, but the vast majority make their use regularly. Inventories are therefore part of the working capital of the company, represented in the form of commodities. The higher the inventory, the greater the working capital needed to maintain it.

It should be remembered that in addition to the acquisition cost, the inventories also generate costs for maintenance, transportation, etc. All of this raises the company’s working capital needs. In this way, every time we talk about inventory increases, we also talk about an increase in working capital.

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Problems related to inventory management

Problems related to inventory management

Having stocks in and of itself is not a problem, the big question is the cost generated by maintaining these. It is always good to go to a store and find there the exact product that we are looking for. When we do this, we hardly think of the cost that the company has just to leave the product waiting for us. The product stopped in the warehouse or the gondola, does not generate any revenue for the company, only maintenance costs.

On the other hand, if the company does not keep stocks, no one will buy from their stores. Imagine the case where you go to a shoe store and there do not find shoes to try, but just pictures of them? Certainly you will not return to such a shop. Hence a trade-off between the increase of inventories and the growth of the operational cost of the firm.

Managers need to be efficient in their sales forecasts, otherwise turning inventory can take many months. If this occurs, the need for working capital will grow similarly, reducing cash flow and raising financial expenses.

Read here about increasing revenue by borrowing credit the right way

How to reconcile working capital management with the need for inventory formation?

How to reconcile working capital management with the need for inventory formation?

To reconcile the need for inventory formation with the increase in working capital, managers need to be accountable. The first step is to calculate the SME (average storage time). Through this index, the manager can correctly dimension the ideal amount of capital to be allocated to inventories. Another calculation that must be done is the average cost of storage.

Once the average stocking term is understood, the minimum stock size of the firm should be estimated. The cost of capital tied to inventories should be less than the cost of stocking the goods. Only then will the working capital employed be properly remunerated.

Nowadays, fintechs such as Biz Capital provide credit for working capital and inventory expansion at very attractive rates. Moreover, the release is done online and without bureaucracy, facilitating the decision-making of the manager.

How to calculate the average storage time?

How to calculate the average storage time?

The average stocking term (PME) is obtained by dividing the average stock of the year by the cost of merchandise sold. The formula for your calculation is as follows:

PME = Medium stock CMV x 360

Imagine that a company has maintained an average stock of $ 100,000 over the year. If the cost of merchandise in the DRE was R $ 1 million, the SME will be 36 days (1.2 months).

This is the term in days, which the average of the goods takes to be acquired in the stores of the company. If the company obtains short-term capital to finance inventories, the maturity must be 36 days + PMR (average term of receipt).

Imagine that this company sells on time and receive with 30 days. Its total term is 36 + 30. Thus, the minimum term for payment of working capital loans should be 66 days. If she is able to pay her purchases in the long term, say 20 days, her loan may have 36 + 30 – 20 = 46 days due.

How to calculate the amount of working capital needed to maintain inventories?

The working capital required to maintain inventories will be equal to the value of the PMP multiplied by the average stock. In the case of the company in this example, it would be R $ 100 thousand X 36 / 1.2 = R $ 120 thousand. That is, the company will need to keep R $ 120 thousand in its inventory to maintain the current level of sales.

If the company can sell its stocks faster, the PMP will fall and consequently its cost as well.

Is there an ideal numerical ratio of Working Capital X Stocks?

Is there an ideal numerical ratio of Working Capital X Stocks?

There is no universal ideal relation between working capital X stocks. But, each company can build their relationship in a personalized way by answering the following questions:

  • How much does increasing inventory make revenue grow?
  • What is the financial cost for each $ 1 added to the stock?
  • What is the reduction in profitability caused by the increase in working capital applied to each R $ 1 in inventories?

Once these questions have been answered, managers can create scenarios and cross data. The optimal value of working capital and inventories will be the one that maximizes the profitability of the company.



All trading companies should be concerned with inventory management. This statement is not new to entrepreneurs, however, many of them do not consider inventories as part of working capital. The understanding that inventories are part of working capital, ends up revolutionizing the way in which its management is carried out. Anyway, the correct thing is that the stocks are financed by capital of cost inferior to the one of its acquisition and maintenance.


So, did you like this article? We at BizCapital are here to help business owners who want to see their business take off! Keep an eye on our blog and check out other tips on the world of entrepreneurship.