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Date: 3 months ago   Category: Companies

Overdraft or credit card: what to choose to the owner of small business


Under what conditions advantages of each product of the Photo reveal: depositphotos.com the Overdraft already became the tool, habitual for businessmen, for a covering of cash gaps, purchases, payment of salary to employees. But more and more banks offer credit cards for business or the B2B-card. What to choose to the businessman: the overdraft or the credit card and what product under what tasks approaches more?

Unconditional advantage of the credit card is the greys-period. Therefore if the businessman has a business with high turnover of means — retail trade, for example, and it uses credit money several weeks, and then is capable to extinguish, then the card is more favorable, the Head of Department of financing of small business of Alfa-Bank Marina Polyakova confirms. Marina Polyakova the Head of Department of financing of small business of Alfa-Bank "The card is more interesting to small clients with a small turn which funds with a certain frequency for short terms for payment of expenses on business or purchases of goods are necessary. The credit card within the greys-period allows to use money free of charge. Alfa-Bank has, for example, a greys-period of 60 days. For the trading company it is sufficient term to repay the debt from revenue. Thus, the credit card allows to save, without distracting own means from a turn and without paying percent". But it is important also what business at the businessman whether there is a purpose of control of expenses of employees, for example, in case of business trips. Marín Polyakov the Head of Department of financing of small business of Alfa-Bank "The credit card as any other tool allows to control use of advance means, for example, in business trips of employees. The sum of a limit which is set on the credit card is under control of the owner of business or the accountant of the company. Depending on circumstances the limit can be limited quickly, or to expand". But most of all payment by the card is appreciated by business which is engaged in small import. For example, if the businessman buys goods in foreign online store and pays off with the card, it does not need to make out the transaction certificate, it is not necessary to undergo currency control: payment takes place instantly.

Should remember one more nuance — the legislation limits volumes of cash calculations for business. And from this point of view payment of expenses by the credit card, in addition, allows the company or the businessman to balance a share of cash calculations in a turn. To add BFM.ru to your sources of news?

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