Tag: Quick

Quick Business Loans – Payday Loans Online, quick business loans.#Quick #business #loans


quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans


Tags : , ,

Quick Business Loans – Payday Loans Online, quick business loans.#Quick #business #loans


quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans


Tags : , ,

Quick Business Loan – Get A Loan Poor Credit, quick business loans.#Quick #business #loans


quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans

Quick business loans


Tags : , ,

Fast Business Loans: Best Options for Quick Cash #business #website #design


#fast business loans

#

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Credit Cards

Banking

Investing

Mortgages

Loans

Insurance

Fast Business Loans: Best Options for Quick Cash

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

Sometimes, your small business just can’t afford to wait for funding. Maybe a major piece of equipment has failed, or your pipes burst. Or perhaps you don’t want to miss out on a business opportunity. You need fast cash, and you’re willing to pay more for the speed and convenience.

Business loans from banks are great for keeping loan costs down, but the lengthy application and underwriting process means it can take months to get your money. Online business loans can make sense when speed is your top concern. Below, we compare some of the best business loans for fast cash.

HERE ARE OUR RECOMMENDATIONS FOR:

If you want fast cash for immediate needs: Kabbage, OnDeck and Lending Club

Kabbage, OnDeck and Lending Club can provide you with fast cash to handle virtually any immediate need, including dealing with a financial emergency, buying inventory, meeting payroll or other business purposes.

If you have shaky credit, Kabbage could be a good option. The lender does not require a minimum credit score to qualify; instead, your business needs a year of history and at least $50,000 in annual revenue. Kabbage provides a line of credit up to $100,000. You can complete the company’s online application in minutes, with approval and funding just as fast or within a few days, depending on how quickly Kabbage can obtain your business data and verify your bank account. Kabbage, though, comes with high borrowing costs, from 32% to 108% annual percentage rate.

If your personal credit score tops 500 and your annual revenue starts at $100,000, consider an OnDeck term loan. As with Kabbage, you only need a year in business. But OnDeck borrowing costs are lower than those of Kabbage, with APRs of 9% to 98% on term loans and 14% to 40% on lines of credit. The line of credit, which provides more flexibility than a term loan, is a good choice if you have a personal credit score of 600 or more. You can draw and repay funds on an as-needed basis, and with lower overall APRs the line could be less costly than the term loan. You can finish OnDeck’s online application in 10 minutes, with funding as fast as 24 hours but typically in a few days.

Lending Club offers the lowest overall borrowing costs of the three lenders, and funding for its term loan and line of credit typically arrive in less than a week. APRs range from 8% to 32%. You’ll need a personal credit score of at least 600, $75,000 in annual revenue and two years in business to qualify for either product.

  • Loan amount: $5,000 to $500,000 for term loans; up to $100,000 for lines of credit.
  • APR: 9% to 98% for term loans; 14% to 40% for lines of credit.
  • Loan term: Term loans repaid daily or weekly for three to 36 months; lines of credit are repaid weekly.
  • Funding time: As fast as 24 hours but typically a few days.
  • Read our OnDeck review .

Before you apply for an OnDeck loan, find out whether you meet the lender s minimum qualifications.

  • 500+ personal credit score for term loans; 600+ personal credit score for lines of credit.
  • 1+ year in business for term loans; 9+ months in business for lines of credit.
  • $100,000+ in annual revenue for term loans; $75,000+ in annual revenue for lines of credit.
  • No bankruptcies in the last two years.
  • Personal guarantee required.

Before you apply for a Lending Club line of credit, find out whether you meet the minimum qualifications.

  • 600+ personal credit score.
  • 2+ years in business.
  • $75,000+ in annual revenue.
  • Own at least 20% of the business.
  • No recent bankruptcies or tax liens.
  • Provide collateral for loans and lines of credit of more than $100,000.

Lending Club is currently unavailable to borrowers in Iowa and Idaho.

If you need fast cash for a business opportunity: Lending Club, OnDeck and Dealstruck

Small businesses have a number of choices when looking to finance fast expansion or growth.

Lending Club’s term loans come with low rates, but qualifying may be more difficult compared with OnDeck and Dealstruck. You’ll need at least a 600 personal credit score, $75,000 in annual revenue and two years in business.

If you don’t qualify for Lending Club or need cash sooner, OnDeck’s funding turnaround can be as fast as a single day —though, more often, several days to a week. To qualify, you need at least a 500 credit score, a year in business and $100,000 in annual revenue. Your APR will likely be higher than at Lending Club. And, unlike other lenders, OnDeck requires daily or weekly repayments on its term loans, so your business should have steady cash flow to handle the frequent repayments.

If you need more than one type of financing or are unsure which type of financing you need, Dealstruck could be your best bet. The lender has a variety of loan products, such as term loans and inventory lines of credit, with an average of 10 days to funding. To qualify, you need one year of business history, a personal credit score starting at 600 and $150,000 in annual revenue.

Before you apply for a Lending Club loan, find out whether you meet the minimum qualifications.

  • 600+ personal credit score.
  • 2+ years in business.
  • $75,000+ in annual revenue.
  • Own at least 20% of the business.
  • No recent bankruptcies or tax liens.
  • Provide collateral for loans of more than $100,000.

Lending Club is currently unavailable to borrowers in Iowa and Idaho.

Before you apply for an OnDeck loan, find out whether you meet the lender s minimum qualifications.

  • 500+ personal credit score.
  • 1+ year in business.
  • $100,000+ in annual revenue.
  • No bankruptcies in the last two years.
  • Personal guarantee required.

  • Loan amount: $50,000 to $500,000 for term loans; up to $500,000 for inventory and asset-based lines of credit.
  • APR: 10% to 28% for term loans; 22% plus prime rate for inventory and asset-based lines of credit.
  • Loan term: Six months to four years for term loans; six months per draw for lines of credit.
  • Funding time: Average of 10 days.
  • Read our Dealstruck review .

Before you apply for a Dealstruck loan, find out whether you meet the lender s minimum qualifications.

  • 600+ personal credit score.
  • 1+ year in business.
  • $150,000+ in annual revenue.
  • Breaking even or profitable.
  • Personal guarantee and a lien on business assets required.

You may also like

Lender reviews

See how different lenders stack up in NerdWallet’s expert reviews

We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines. and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet’s official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.

2016 NerdWallet, Inc. All Rights Reserved

Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.

Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools, blog content and editorial reviews are based on objective analysis. For more information, please see our Advertiser Disclosure .


Tags : , , , , , , ,

Simply Quick Business Loans Bad Credit Small Business Loans Financing #business #proposal #template


#quick business loans

#

Welcome to Simply Quick Business Loans, where our namesake tells you everything you need to know about our financial specialty: quick business loans, even when you are turned down by the bank.

Small businesses of all kinds run into financial issues every year. This isn’t necessarily a sign that a company is suffering. In fact, you can encounter serious financial barriers when you achieve overwhelming success. But, how do you deal with such issues when the bank turns you down for a conventional business loan?

Simply Quick’s bad credit small business loans come to the rescue, supplying you with the short-term working capital you need to keep your business on the track to success.

Specializing in All Types of credit for business loans

Simply Quick offers secured loans, but we specialize in unsecured business loans to help companies all over the United States. We know that a quick infusion of cash into your business can help you accomplish so many different things:

  • Cover payroll and other expenses during a slow season
  • Fund construction projects
  • Upgrade, or purchase new, equipment
  • Purchase inventory
  • Take advantage of a new business venture

The list goes on. When we extend our quick business loans, we do not put a lot of restrictions on the money. You get to spend the money however you see fit to bolster your business. We would never try to compromise your control over day-to-day operations.

Raise your hand if you have perfect credit. The chances are, you probably are not raising your hand right now. Perfect credit is hard to come by and banks will disqualify you from a traditional business loan for just about anything.

Don’t worry if you can’t make much progress with a bank. Our quick business loans with bad credit help provide common small business owners with the capital they so desperately need. These clients belong to a wide range of industries.

How to get one of our bad credit small business loans

The best part of it all is that we have simplified the process so that bad credit small business financing is easily accessible to both you and your company. All you have to do is apply online, over the phone or through the mail. Your application will be processed quickly and a decision will be made in a day or two. Once you are approved, you will get the money you need the very next day. Over 80 percent of applicants are approved for our quick business loans. This is significantly higher than big banks, which turn down even more applicants than we accept. We are looking out for small businesses because someone has to!

At Simply Quick Business Loans, we want to keep it simple. When you’re ready to get your business loan from us, here’s how it will work.

  1. The first thing you will do when visiting our website is to complete a short online application. All of our applications are done online because this is the fastest way to get your loan approved. The application will include relevant information, such as the address and owner information, tax ID information, and business revenue.
  2. You will be asked to upload copies of specific documents with your application. All of these documents will be easily laid out for you. Once you have them collected and in an electronic format, simply upload them to our site.
  3. Next, our financial team will send you questions regarding your application and may also ask for additional documentation before getting your loan funds dispersed to your account. The faster you respond to these questions, the closer you are to getting your Simply Quick Business Loan.

We created this 5 minute application process to make applying for your small business loan a uniquely simple experience. Our team will work hard for your business because we know how hard you work. Once the approval has been made we can get your funds to you quickly so your business can keep running without a hitch. Over 80% of our applications at Simply Quick Business Loans are approved and we want to help you be our next success story.
Here are a few of the benefits of choosing a Simply Quick Business Loan:

  • We work with credit scores thought to be traditionally “bad,” as low as 450.
  • Simply Quick Business Loans require no collateral.
  • Approvals can happen in as short a time as 48 hours but often occur much faster. To ensure the fastest possible processing of your online application, be sure to respond to all of our financial expert’s questions and emails.

f there is one thing we know for sure, it is the dedication of our customers to keep their businesses going that cannot be stopped and that makes us want to continue to offer quick business loans. A business never knows what challenge may be coming around the corner. Encountering a financial hardship or unbudgeted expense is not a sign of a poorly run business and we know that. We will do everything in our power to get you financed fast.

Recently Closed transactions

Trustworthy

It took me 5 minutes to complete their online application. I was contacted the same day, and approved the next day. They have a slick and automated process, but I also feel now as if I’ve known these guys for years.


Tags : , , , , , , ,

Fast – Quick Small Business Loans #loan #to #start #a #business


#fast business loans

#

Fast Quick Small Business Loans

Approvals for fast business loans and fast small business loans are critical to fund a multitude of time-sensitive business requirements. Hiring new employees, making equipment purchases, replenishing inventory, purchasing real estate and increasing working capital are some business transactions that may require fast business loans. But the small business loan approval is only the precursor to the borrower’s access to liquid funds. Waiting six months for your bank to make its decision is impractical. Small businesses especially cannot afford to wait weeks or months for a decision and subsequent funding. Today’s rapidly evolving business environment has created the need for timely cash infusions that won’t put small businesses in further debt or even the risk of bankruptcy. Your business needs an alternative lender, a business funding company you can trust and fast.

Quick Business Loans from a Business Funding Company You Can Trust

Business loan applications made through traditional financial institutions can be very time consuming and complex. There are with numerous documentation requirements, a spotless credit record is a given and a lengthy application process. However, National Business Capital makes business loan decisions rapidly in an outstandingly efficient and in an expeditious manner. Our application takes the about two minutes on average to fill out and submit. We make our decisions within 24 hours and are proud of our over 90% approval rate.

When your business is in need of funds for looming payments, owed debts or another of the many facets of standard business’ operations, turn to National Business Capital. Here you and your firm will receive personal attention and sound financial advice. We will do our utmost to ensure that your business loan application will be processed quickly, and once approved, you’ll receive funding within days, not weeks. When you make the decision to work with our experienced representatives, you have opted for the simplest, yet most successful path to receive fast business loans. We have years of experience, a realistic underwriting process and no industry restrictions. Here is a quick recap: we are National Business Capital, a leading business funding company and we are proud of our over 90% approval rate. Once your application has been submitted we will make our lending decision within 24 hours and you’ll receive your funding within days.

National Business Capital has assisted companies from all over the country to achieve their goals, regain and expand their market share, achieve growth and more. For additional information about our lightning fast business loans or to ask address any questions, please apply now using our 2-minute application, or give us a call at (888) 888-9124. Our Business Consultants are standing by to answer your questions regarding business funding and to help enhance your business’ bottom line today. When your firm needs funding quickly, contact the business funding company that strives to assist you to receive the loan your firm requires: National Business Capital.

We Finance Your Journey

Our approval process takes less than 24 hours.


Tags : , , , , ,

Quick refinance #quick #refinance


#

WELCOME to
QUICK LOANS!
by Wachter Investments, Inc.
Real Estate Loans
and Trust Deed Investments
Since 1979

We Fund Bank Turndowns.
Direct Private Lender
Purchase or Refinance
Investor and REO Financing
Residential and Commercial
Loans for Any Purpose

Investors Welcome!
Since 1979
Trust Deed Investments
Secured by ONLY Prime California Real Estate
Complete Loan Servicing

QUICKLOANS is the domain name for WACHTER INVESTMENTS, INC.

We are a DIRECT PRIVATE LENDER FUNDING BANK TURNDOWNS, BUYING TRUST DEED NOTES, and offering TRUST DEED INVESTMENTS SECURED BY CALIFORNIA REAL ESTATE.

Collateral based loans to people not eligible for traditional bank financing

Secured by California Real Estate

Purchase or Refinance Cash Out for Any Purpose!

Owner Occupied and Non-Owner Occupied

Investor and REO Financing

Flexible Underwriting and Fast Funding

Finish Construction, Rehab and Swing/Bridge Loans

Loans to most entities:
1) Individuals
2) Trusts
3) Corporations
4) Limited Liability Companies
5) Partnerships
6) Probate Estates
7) Foreign Nationals

Loans approval based on two criteria:
1) Strong Collateral (Equity) and
2) Ability to Repay

Homes Multi-family Mixed-Use Commercial

Obtaining a loan shouldn t be exhausting. Let us simplify the process for you. Call today or complete our Easy Loan Application .

Investors Welcome Loan Servicing Since 1979

MEMBERSHIPS LINKS:


Tags : ,

Car, Van – Home Insurance Quotes – Quick Quotes Insurance Ireland #car #insurance #quick

#

INSURANCE QUOTES MADE EASY
Save Time, Save Money – Get a Quick Quote

Insurance Made Easy. We talk to 14 of the leading insurers to get you the car cover you need. Regardless whether you are a new driver or a pro we will do our best to get you the best available cover at the best price. If you prefer to chat to one of our trained and qualified staff please call us. We will try to offer you the best cover and price available.

We deal with Insurers who quote for drivers with accidents,claims and convictions and for drivers with no driving experience or drivers returning home from abroad.

Contact us at 1890942668, Request a call back, or GO TO Get a Quote QuickQuotes.ie

Whether you’re looking for buildings insurance or contents cover. It’s our business to make sure that you get the best cover at the best price. We deal with the leading home insurers to get you cover you need. We can include cover for Accidental damage, Specified and Unspecified items, pedal cycles and much more. Talk to one of our fully trained team who will be able to answer all your queries.

We deal with Insurers who quote for rented properties,holiday homes, unoccupied properties, older properties.

Contact us at 1890942668, Request a call back or GO TO Get a Quote Quickquotes.ie

Are you searching for the best quote for your commercial vehicle? It doesn’t have to be a hassle or take time. We deal with the leading Van and Fleet Insurers to get you the cover you need. So, whether you have a fleet of vans or single van we will make sure you get the best cover at the best price.

Contact us at 1890942668, Request a call back or GO TO Get a Quote QuickQuotes.ie


Tags : , , ,

Rainfall and Flood Map – additional notes #quick #dry #flood #services


#

Rainfall and Flood Map – additional notes

Flood Warning Maps and Data

The data is provided for flood warning purposes and not all data will be available outside flood periods.

Some of the data is provided to the Bureau of Meteorology by other agencies. Separate approval may be required to use the data for other purposes.

The rainfall and river data shown in these products includes real-time operational data from automated telemetry systems and has not been quality controlled. Some of the data are the result of interpolation of observations reported at irregular time intervals. Rain gauge calibration test data may appear as rainfall on dry days.

The mapping information in some products is supplied via Geoscience Australia .

River Height Plots

River height plots provide a graphical view of recent observations at a station. The data has been collected in real time either by polling the station or by the station reporting the data on its own by radio transmission. This plot brings together all the data received over the last 4 or 7 days (this varies according to how quick the river behaviour is). The data is extracted from the database and filtered to remove some bad data. This filtering of bad data is not comprehensive.

The plots also show some details of the station at the top. They also show, where available the flood class levels. These are explained in detail in Flood Classifications. These levels provide a general understanding of the impact of expected flooding and the flood risk faced. Generally, Flood Warnings are issued when the river heights exceed the minor flood level.

River Height Series

River height series table provides a tabular view of recent observations at a station. The data has been collected in real time either by polling the station or by the station reporting the data on its own by radio transmission. This plot brings together all the data received over the last 4 or 7 days (this varies according to how quick the river behaviour is). The data is extracted from the database and filtered to remove some bad data. This filtering of bad data is not comprehensive.

The tables also show some details of the station at the top. They also show, where available the flood class levels. These are explained in detail in Flood Classifications. These levels provide a general understanding of the impact of expected flooding and the flood risk faced. Generally, Flood Warnings are issued when the river heights exceed the minor flood level.

Latest River Heights

Latest River Heights is a table of river height observations for selected locations. Each table shows the data for a collection of river basins. The States and the Northern Territory are divided up to several such collections for easy viewing. They show the latest available river height observation and the time the observation was made.

River heights are measured at selected locations throughout Australia. This information will help understand how a river is rising and falling, and which sites are exceeding flood threshold levels or other key heights such as a bridge or a causeway (culvert). Especially during floods, this gives some understanding of how high the water is above such crossings. The Flood Class is a classification of impacts from possible flooding. These are explained in detail in Flood Classifications. These levels provide a general understanding of the impact of expected flooding and the flood risk faced. Generally, Flood Warnings are issued when the river heights exceed the minor flood level.

The Latest river heights table list the latest observations available for river height stations. If no data has been received within a given window, the station will not be shown. These observations may be from manual or automatic river height gauges. Some data checking is performed on the data, however it is still possible for bad data to appear. Care should be taken in using the tendency field in the Latest River Heights table, which tells whether the river is rising, falling or remaining steady at that time as it is often based on just the last few readings, and may not be completely representative of the true trend of the river.

River height data collection

River height data collection has been going on for over a hundred years. River height data are obtained from different types of observing stations around Australia. They include manual reading of staff gauge, automatic recording stations which communicate to a base either via radio or the telephone lines. This data is used for a variety of purposes, including flood warning, water resources and also for recreational use.

Zoom in to:

Zoom out to:


Tags : , , ,

Current ratio e Quick ratio #attivitпїѕ #correnti, #quick #ratio, #current #ratio, #indice #di #liquiditпїѕ

#

Gli indici di liquiditпїЅ sono rapporti calcolati tra varie grandezze del bilancio riclassificato al fine di evidenziare la situazione di liquiditпїЅ dellпїЅimpresa.

NellпїЅambito delle analisi sulla liquiditпїЅ aziendale, due sono i rapporti maggiormente utilizzati:

il current ratio o indice di liquiditпїЅ generale;

  • il quick ratio o indice di liquiditпїЅ primaria.

  • Vediamo quali rapporti legano tra loro questi due indici.

    Il current ratio пїЅ il rapporto tra le attivitпїЅ correnti e le passivitпїЅ correnti.

    Current ratio = AttivitпїЅ correnti/ PassivitпїЅ correnti

    Esso esprime la capacitпїЅ dellпїЅimpresa di far fronte alle uscite correnti generate dalle passivitпїЅ a breve, con le entrate correnti generate dalle attivitпїЅ a breve.

    Il quick ratio пїЅ un rapporto che vede al numeratore la somma tra liquiditпїЅ immediate e differite e a denominatore, le passivitпїЅ correnti.

    Quick ratio = (LiquiditпїЅ immediate + LiquiditпїЅ differite)/ PassivitпїЅ correnti

    Esso esprime la capacitпїЅ dellпїЅimpresa di far fronte alle uscite correnti generate dalle passivitпїЅ a breve, con le poste maggiormente liquide delle attivitпїЅ a breve.

    CURRENT RATIO E QUICK RATIO: DIFFERENZE

    Current ratio = AttivitпїЅ correnti/ PassivitпїЅ correnti

    Quick ratio = (LiquiditпїЅ immediate + LiquiditпїЅ differite)/ PassivitпїЅ correnti

    Come si puпїЅ notare dalle due formule a confronto, esse si differenziano per il numeratore. Il current ratio, vede al numeratore tutte le attivitпїЅ correnti (ovvero la somma tra liquiditпїЅ immediate, liquiditпїЅ differite e rimanenze), mentre il quick ratio include le sole liquiditпїЅ immediate e differite.

    Di conseguenza, il quick ratio пїЅ in grado di fornire indicazioni piпїЅ precise sulla situazione di liquiditпїЅ dellпїЅimpresa rispetto al current ratio. ciпїЅ perchпїЅ, a numeratore indica solamente le poste delle attivitпїЅ correnti caratterizzate da una maggiore liquiditпїЅ, mentre esclude le rimanenze che rappresentano la posta delle attivitпїЅ correnti che genera un maggior fabbisogno durevole di capitale.


    Tags : , , , , , , , , , , , , , , ,