Käyttöpääomalainaa

Käyttöpääomalainaa, often translated as working capital loan, is a type of business financing designed to cover the short-term operational needs of a company. It is not intended for long-term investments like purchasing property or equipment, but rather for bridging temporary cash flow gaps. These loans are crucial for businesses to manage their day-to-day operations, ensuring they can meet immediate financial obligations.

The primary purpose of a working capital loan is to fund expenses such as payroll, inventory purchases, rent, utilities, and accounts payable. Businesses typically use these loans when there is a mismatch between the timing of their income and their expenses. For example, a company might receive payment for its goods or services 60 days after delivery, but need to pay its suppliers within 30 days. A working capital loan can cover the difference during this period.

Working capital loans are generally short-term, with repayment periods ranging from a few months to a year. The loan amount is often determined by the company's short-term assets and liabilities, as well as its projected cash flow. Lenders assess the borrower's creditworthiness, financial statements, and business plan to determine eligibility and loan terms. Interest rates and fees can vary depending on the lender, the loan amount, and the borrower's risk profile. These loans are a vital tool for maintaining business liquidity and ensuring smooth operations.