הלוואות לעסקים קטנים

צרכני האשראי הגדולים ביותר בישראל הם הצרכנים הפרטיים, אלא שמעמד זה ניתן להם לא בגלל היקפי האשראי שלוקח כל אחד מהם, אלא בגלל ההיקף המצטבר של אשראי הנלקח על ידי מיליוני אזרחים פרטיים. כשבוחנים את היקפי השימוש באשראי, גם במונחי מספר הלוואות וערוצי אשראי וגם במונחים של היקפי אשראי לישות בודדת, אלו הם העסקים הקטנים שתופסים את המקום השני מייד אחרי האשראי הצרכני. אם אתם מנהלים עסק קטן וזקוקים להלוואה עסקית, ישנם מספר דברים שאתם רוצים לדעת מראש ועל הדברים האלה בדיוק מסבירים לכם בשורות הבאות המומחים של מרכז הלוואות בערבות מדינה.

בראש ובראשונה – כיצד נקבעים תנאי הלוואה?

הלוואות לעסקים קטנים או הלוואות לצרכנים פרטיים, נשענות כולן על אותם עקרונות פיננסיים, שמכתיבים את התנאים להם זוכה כל סקטור. בפשטות, הלוואה היא סכום של כסף שמוצא מכיסו של נותן האשראי ומועבר לכיסו של מקבל האשראי. את סכום הכסף הזה מחזיר מקבל האשראי לאורך זמן באמצעות תשלומים חודשיים נושאי ריבית. הריבית היא למעשה הרווח שמקבל נותן האשראי בגין הסיכון שלקח במתן ההלוואה. אחרי שהסברנו את זה, אפשר להסביר גם כיצד נקבעים תנאי הלוואה.

תקופת החזר – תקופת ההחזר היא התקופה שלאורכה מחזיר מקבל האשראי את ההלוואה לנותן האשראי. תקופה זו יכולה לנוע בין מספר ימים לבין יותר מ-30 שנה.

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ריבית – הריבית משקפת את רמת הסיכון שלוקח על עצמו נותן האשראי. סיכון זה נקבע בהתאם לתקופת ההחזר (יותר ארוכה, יותר סיכון), למטרת ההלוואה, לרקורד האשראי של מקבל ההלוואה, למצבו הפיננסי של מקבל ההלוואה, לביטחונות שמעמיד מקבל האשראי, לסיכוני השוק ולפרמטרים אקטוארים נוספים שנבחנים על ידי נותן האשראי.

החזר חודשי – החזר חודשי הוא הסכום שמחזיר מקבל האשראי לנותן האשראי בכל חודש, בהתאם לשקלול גובה ההלוואה, הריבית ותקופת ההחזר. ההחזר החודשי יכול להיות קבוע, הוא יכול להשתנות בהתאם לשינויים במדד המחירים לצרכן או לגובה הריבית במשק והוא יכול להשתנות בהתאם לכל מדד אחר שאליו הוחלט להצמיד אותו במסגרת הסכם ההלוואה.

הלוואות לעסקים קטנים – הלוואות בסיכון גבוה

אחרי שהסברנו את העקרונות המרכזיים של עולם האשראי, אפשר להבין שהלוואות לעסקים קטנים הן מסוכנות יותר מאשר הלוואות למגזר הפרטי. מדוע? מכיוון שעסק פרטי הוא גוף שקיומו תלוי ביכולת שלו לייצר הכנסות ורווח ומכיוון שעסקים קטנים רבים לא מצליחים לעמוד ביעדי הרווח שלהם, מתעורר הסיכון שבעלי העסקים הללו לא יוכלו לעמוד בהחזרי ההלוואה ויגיעו למצב של חדלות פירעון. על פי הסטטיסטיקה הקיימת, בכל שנה נסגרים מעל 90% מהעסקים הקטנים שנפתחו באותה השנה ובשנה הקודמת. זה אומר שאם אתם נותנים הלוואה לעסק קטן ומכירים את הסטטיסטיקה הזאת, זה יהיה טבעי מאוד מצדכם לחשוש שאולי בעוד שנה או שנתיים כבר לא יהיה מי שיחזיר לכם את כספכם.

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