{"id":22245,"date":"2020-08-04T14:14:38","date_gmt":"2020-08-04T11:14:38","guid":{"rendered":"https:\/\/www.ibtdi.com\/?p=22245"},"modified":"2020-08-04T05:45:33","modified_gmt":"2020-08-04T02:45:33","slug":"loan-risk","status":"publish","type":"post","link":"https:\/\/www.ibtdi.com\/en\/loan-risk\/","title":{"rendered":"The Risks of Loans: Pause Before You Decide"},"content":{"rendered":"

\"Credit<\/p>\n

Loan risk depends on the creditworthiness of the organization seeking to borrow, its track record, its success, and other factors. <\/span><\/p>\n

As a result, large organizations with a strong record of success can easily obtain loans, while a <\/span><\/p>\n

struggling startup faces much higher borrowing risks.<\/span><\/p>\n

Lenders want to ensure they get their money back, so interest rates are high. In addition, the loans themselves <\/span><\/p>\n

are short-term.<\/span><\/p>\n

We identify the main risks of loans as follows:<\/span><\/p>\n

Read also:<\/span>The Concept of Loans and Their Types<\/a><\/p>\n

.<\/p>\n

\u0627\u0646\u0639\u062f\u0627\u0645 \u0627\u0644\u0645\u0631\u0648\u0646\u0629<\/span><\/strong><\/span><\/h2>\n

If you apply for a business loan\u2014regardless of the other types of loans\u2014you\u2019ll have to provide a clear picture of what <\/span><\/p>\n

you plan to do with the money you receive. In other words, you won\u2019t be free to use the funds however you want or run your business the way you <\/span><\/p>\n

want. Of course, lenders won\u2019t directly interfere with your business, but their requirements will push you down different paths.<\/span><\/p>\n

You\u2019ll also be required to pay these lenders specific amounts at specific times, which could expose you to significant risks, especially if <\/span><\/p>\n

Your project isn\u2019t generating steady revenue.<\/span><\/p>\n

.<\/p>\n

\n

\u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0635\u0627\u0631\u0645\u0629<\/span><\/strong><\/h2>\n

Lenders often require startups with poor creditworthiness to provide extensive paperwork, proof, and tax returns. <\/span><\/p>\n

The risk here is twofold. First, you\u2019ll have to spend money preparing these documents and meeting these requirements\u2014money<\/span><\/p>\n

that you won\u2019t get back.<\/span><\/p>\n

Second, you\u2019ll waste a lot of time trying to secure loans. Funders and support organizations apply stricter procedures to <\/span><\/p>\n

struggling companies to make sure they\u2019ll get their money back, along with some profit.<\/span><\/p>\n

Read also:<\/span>Before Applying for a Loan\u2026 Learn the Rules for Choosing a Bank<\/a><\/p>\n

.<\/p>\n

\"What<\/p>\n

Risk of default<\/span><\/strong><\/span><\/h2>\n

This is one of the most significant risks of borrowing: if you\u2019re unable to repay the money you borrowed, you could face one of two outcomes\u2014you may lose <\/span><\/p>\n

your assets if the loan is secured, or the lender may take you to court. Either outcome is painful and involves <\/span><\/p>\n

significant losses. Defaulting on a loan often leads to a chain of further losses.<\/span><\/p>\n

.<\/p>\n

\u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629<\/span><\/strong><\/span><\/h2>\n

When considering a loan, remember that you\u2019re borrowing to support your business. Don\u2019t take a step forward unless you\u2019re sure it <\/span><\/p>\n

won\u2019t harm the business. One risk of borrowing is that you could lose ownership of the business\u2014in other words, it may no longer be yours if you fall behind or are unable to <\/span><\/p>\n

make your repayments.<\/span><\/p>\n

It\u2019s true that this is the most extreme option, but since it\u2019s a possibility, you should consider it. The best approach here is not to borrow. <\/span><\/p>\n

If you\u2019re struggling or the business isn\u2019t doing well, don\u2019t borrow. Only consider borrowing when you\u2019re looking to grow the business or <\/span><\/p>\n

acquire another business, and so on. That way, you\u2019ll be protected from all risks, and it will also be easier for you to get <\/span><\/p>\n

\u0639\u0644\u0649 \u0627\u0644\u0642\u0631\u0636.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

\u062a\u062a\u0648\u0642\u0641 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0642\u0631\u0648\u0636 \u0639\u0644\u0649 \u0627\u0644\u062c\u062f\u0627\u0631\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0644\u0644\u0645\u0624\u0633\u0633\u0629 \u0627\u0644\u062a\u064a \u062a\u0631\u064a\u062f \u0627\u0644\u0627\u0642\u062a\u0631\u0627\u0636\u060c \u0648\u0643\u0630\u0644\u0643 \u062a\u0627\u0631\u064a\u062e\u0647\u0627 \u0627\u0644\u0633\u0627\u0628\u0642\u060c \u0648\u0645\u062f\u0649 \u0646\u062c\u0627\u062d\u0647\u0627 \u0648\u062e\u0644\u0627\u0641\u0647\u060c \u0648\u0628\u0627\u0644\u062a\u0627\u0644\u064a \u064a\u0643\u0648\u0646 \u0645\u0646 \u0627\u0644\u0633\u0647\u0644 \u0639\u0644\u0649 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0643\u0628\u0631\u0649\u060c \u0648\u0627\u0644\u062a\u064a \u0644\u062f\u064a\u0647\u0627 \u0633\u062c\u0644 [\u2026]<\/span><\/p>\n","protected":false},"author":3,"featured_media":22246,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_ibtdi_aa_focus_keyword":"","_ibtdi_aa_secondary_keywords":"","_ibtdi_aa_audience":"","_ibtdi_aa_tone":"","_ibtdi_aa_summary":"","_ibtdi_aa_reviewer_name":"","_ibtdi_aa_reviewer_bio":"","_ibtdi_aa_reviewer_url":"","_ibtdi_aa_reviewed_date":"","_ibtdi_aa_service_id":"","_ibtdi_aa_related_ids":"","_ibtdi_aa_human_reviewed":"","_ibtdi_aa_disable":"","_ibtdi_aa_disable_links":"","_ibtdi_aa_sources":"","_ibtdi_aa_update_notes":"","footnotes":""},"categories":[491],"tags":[20734,21735,21736,7732,21737,19943,21738,21739,21740,21734,21741],"class_list":["post-22245","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-491","tag-20734","tag-21735","tag-21736","tag-7732","tag-21737","tag-19943","tag-21738","tag-21739","tag-21740","tag-21734","tag-21741"],"_links":{"self":[{"href":"https:\/\/www.ibtdi.com\/en\/wp-json\/wp\/v2\/posts\/22245","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ibtdi.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ibtdi.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ibtdi.com\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ibtdi.com\/en\/wp-json\/wp\/v2\/comments?post=22245"}],"version-history":[{"count":0,"href":"https:\/\/www.ibtdi.com\/en\/wp-json\/wp\/v2\/posts\/22245\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ibtdi.com\/en\/wp-json\/wp\/v2\/media\/22246"}],"wp:attachment":[{"href":"https:\/\/www.ibtdi.com\/en\/wp-json\/wp\/v2\/media?parent=22245"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ibtdi.com\/en\/wp-json\/wp\/v2\/categories?post=22245"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ibtdi.com\/en\/wp-json\/wp\/v2\/tags?post=22245"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}