FINANCING SOURCES IN ENTERPRISE FROM TRADE SECTOR

Kod izvora financiranja teba razlikovati vlastite (vlastiti kapital) i tuđe izvore, a kod tuđih povratne i bespovratne. No kod svih tuđih izvora treba ispoštivati ugovorne uvjete kako bi se oni ostvarili, ali i zadržali, jer u protivnom slijedi zahtjev izvora financiranja za povrat, a ukoliko povrat ne bude mogao biti dobrovoljan, bit će prisilan u obliku ovrhe. Najpoznatiji izvor financiranja su bankovni krediti, za koje prilikom vraćanja treba platiti i kamate. Na našem tržištu se još kao izvor financiranja koristi leasing, pogotovo za kupnju vozila te faktoring kao oblik kratkoročnog financiranja u posebnim slučajevima. No u zadnje vrijeme državne institucije u suradnji sa različitim europskim institucijama nude i razne oblike bespovratnih ili subvenciranih potpora za poticanje poduzetništva, koje svakako vrijedi razmotriti prije posezanja za klasičnim kreditimaThere are two different types of sources of finance: internal (finance from inside the business) and external (finance from outside the business – which can be refundable and nonrefundable). However, in all external sources, contractual terms should be complied with, in order to be realized, but also retained, as otherwise the source of the refund request is followed, and if the refund can not be voluntary, it will be enforced in the form of a custody. One of the most common external sources of financing is a bank loan. A bank loan adds interest to the principal balance, and that interest ensures that you pay more for your purchase than if you had used cash. In our market, as a source of financing, we also use leasing, especially for vehicle purchase, and factoring as a form of short-term financing in special cases. But recently, state institutions, in co-operation with various European institutions, also offer various forms of non-refundable or subsidized funds to encourage entrepreneurship, which is certainly worth considering before resorting to bank loans