Meeting the needs of small and medium enterprises is important for the development of a liable local private sector. Let us assume that you are planning to start up a small retail business. Before opening your business, you must consider the amount of personal capital you will have to invest the type of equipment you will have to purchase initially, evaluate the costs of inventory, employee salaries and benefits, and other general expenses.

So when going into business money is one of the most important factors. Without sufficient funds a company cannot begin operations. The money needed to start and continue operating a business is known as capital. A new business needs capital not only for ongoing expenses but also for purchasing necessary assets. These assets — invent ones, equipment, buildings, and property — represent an investment of capital in the new business. Capital is also needed for salaries, credit extension to customers, advertising, insurance, and many other day-to-day operations. In addition, financing is essential for growth and expansion of a company Because of competition m the market, capital needs to be invested in developing new product lines and production techniques and in acquiring assets for future expansion.

How this new- company obtains and uses money will, m large measure, determine its success. The process of managing the capital is known as financial management. In general, finance is securing and utilizing capital to start up operate, and expand a company. In financing business operations and expansion, a business uses both short-term and long-term capital. A company utilizes short-term capital to pay for salaries and office expenses that last a relatively short period of time. On the other hand a company seeks long-term financing to pay for new assets that are expected to last many years. When a company obtains capital from external sources, the financing can be either on a short-term or a long-term arrangement. Generally, short-term financing must be repaid in less than one year, while long-term financing can be repaid over a longer period of time

Finance involves seeming of funds for all phases of business operations. In attracting and using this capital, the decisions made by managers affect the overall financial success of a company.

Потребительский кредит даёт возможность получить наличные деньги, товары или услуги в настоящий момент, в то время как его погашение распространяется на будущее. Таким образом, кредит позволяет вам получить удовольствие от покупки лаже раньше, чем вы её оплатили.

Но есть один важный момент, о котором вам нужно помнить при каждой покупке в кредит: и сам кредит стоит денег, и первоначальная сумма кредита должна быть выплачена. Если вы собираетесь занял деньги под проценты или купить что-либо в кредит, нужно узнать, во сколько обойдётся этот кредит, и можете ли вы его себе позволить. После этого вы можете подыскивать лучшие условия для получения кредита.