Financial Guide for SMEs - SME Corporation Malaysia
Financial Guide for SMEs - SME Corporation Malaysia
Financial Guide for SMEs - SME Corporation Malaysia
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<strong>Financial</strong> <strong>Guide</strong> <strong>for</strong> <strong><strong>SME</strong>s</strong>Chapter6 : Managing Cash Flow............................................67Cash and Profi t ........................................................67Cash Flow Drivers in Your Business .............................69Cash Flow Forecasting ..................................................71Section IIIChapterChapterChapter: Financing Your Business .................................797 : Debt, Equity or Internal Funds? .................................81Comparing Debt Finance, Equity Investment and InternalFunds .............................................................................81Deciding Between Debt and Equity ....................................91Understanding the Debt Financing Options :Long-term versus Short-term .........................................938 : Transactional Banking to Suit Business Needs ..103Transactional Banking Products ........................................103Merchant Facilities .......................................................104Transactional Fees ............................................................1069 : Trade Financing ...........................................................109Foreign Currency Payments ..............................................109Alternative Methods to Manage Foreign CurrencyPayments ..........................................................111International Trade Finance ...............................................112Section IV : Managing Lenders ...................................................119Chapter 10 : Applying For a Loan ....................................................121Preparing <strong>for</strong> a Loan Application .......................................121Details of the Loan Required .............................................134Presentation of the Loan Application .................................139The Role of Advisers .........................................................140Conclusion ........................................................................1403chapter 1 01-21 Eng.indd 38/15/11 5:01:22 PM
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