Work tips: How to achieve more with your nine to five
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Julie Coleman
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Aliquid propriae splendide quo ad. Vim in mollis docendi, eu cum stet bonorum. Torquatos voluptatibus nam ad. Malorum pericula pertinacia cu vix, voluptaria deseruisse nec at. Placerat euripidis definitionem has et, altera repudiare cum an. Ubique expetendis ea nec. Et eam magna nihil, soluta mentitum vel ne, ei mei harum audiam sensibus. Clita mandamus an quo. Facete vocent suscipiantur eam in, cu dicant reprimique sed, eu eam feugiat fastidii. Erat animal senserit ius eu, vim vocent vivendum similique an, in vim vidit nostro. Tritani moderatius at vis, summo graeci lobortis ut sea. Nostro praesent sed an, no sed cibo assueverit. Cibo quaerendum philosophia ne quo, vix populo feugait ad, integre facilis tibique sit at. In dolore timeam torquatos eos. Vim democritum expetendis.
Lorem ipsum dolor sit amet, erat facete nominati at quo, ea unum erat vel. Quo ex minim periculis. Id vel tamquam rationibus, an habeo delectus voluptaria cum. Mutat scripta eloquentiam cu nam. Tritani moderatius at vis, summo graeci lobortis ut sea. Nostro praesent sed an, no sed cibo assueverit. Cibo quaerendum philosophia ne quo, vix populo feugait ad, integre facilis tibique sit at. In dolore timeam torquatos eos. Vim democritum expetendis ea, quem intellegat eum ut, te cum cibo ponderum. Nobis habemus nec cu. Duo enim persecuti maiestatis no, an soluta omnium has. Id saepe dissentiunt sit. Vide verear mediocrem at per.
Lorem ipsum dolor sit amet, erat facete nominati at quo, ea unum erat vel. Quo ex minim periculis. Id vel tamquam rationibus.
Loans not backed by specific collateral. Lenders rely on the borrower’s creditworthiness and cash flow. Often used with companies without physical assets.
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Loans backed by collateral (assets such as property, equipment, inventory, cash, IP, receivables). In case of default, the lender can seize the asset.
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Funding is repaid through a percentage of future revenue. Common for SaaS, recurring revenue businesses, or Ecommerce. It can take different forms of contracts and different types of repayment structures, depending on the business model and lender.
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Important note: RBF providers often uses a discount rate, not an interest rate. The discount rate determines the repayment cap (e.g., advance of €100k repaid as €110k = 10% discount) when the APR includes all fees and costs at the end of the facility repayments.
Advance against future card sales, repaid via a fixed percentage of daily sales. Suitable for both physical retail and Ecommerce businesses with card-based revenues.
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Short-term debt used to cover day-to-day operational needs (payroll, rent, supplies). It can take different forms:
loans, revenue-based financing, revolving notably.
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Loans secured by specific business assets (equipment, vehicles, inventory). This is a form of secured loan where the specific asset itself (like a van, machine, or inventory) acts as the collateral.
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Financing based on outstanding customer invoices. Offers early access to funds tied up in receivables. Can also include reverse factoring, where a lender pays suppliers on behalf of a buyer, improving payment terms across the supply chain.
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Debt funding for startups, often alongside or after equity rounds. Usually used to extend runway without dilution.
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Mark Jackobs
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