如果您拿出一笔启动贷款以使您的业务开展业务，则可以通过再融资现有债务来获得更好的交易。毕竟，在金融机构看来，向新业务提供资金是有风险的。为了弥补这一风险，您通常必须支付更高的利率，这可能会损害您的企业财务状况。
不过，在选择再融资债务之前，还有很多要考虑的事情。为了帮助您决定，我们将解释业务债务再融资，如何权衡最著名的利弊，并确定它是否适合您的业务。
What Is Debt Refinancing?
定义是债务再融资相对简单。如果您以前已收到商业贷款，则可以申请具有更高利率和条款的新贷款。这样做可以偿还以前的贷款，以便被认为还清了。
债务再融资的优点是什么？
1。Freed Up Cash Flow
假设您可以将业务债务再降低。在这种情况下，您可以通过再融资来释放大量现金流。有了更多的现金流，您可以在新地点，设备，库存和工资单中产生更多的利润或重新投资额外的现金流。
至少，额外的现金流可以在您的预算中提供更多的呼吸空间。这将减轻开会每月付款的压力，例如租金，公用事业和供应商账单。
2。More Flexibility
When running a new business, you’re not going to get the best deals, whether with lenders, suppliers, or vendors. However, suppose you’re one of the few small business owners that survive their startup years. In that case, you’ll have more leverage, especially regarding financing.
Pursuing debt refinancing as a stable business means you’ll likely have more financing options to choose from in the future. More options mean more flexibility, so you may be able to refinance your original loan into one that better meets your business’s needs.
3。降低长期融资的成本
即使您为小APP亚博娱乐以更高的价格，当您关闭新贷款时，您将面临一些前期费用。但是，如果新贷款的利率和还款条款有利，则应从长远来看受益。但是，您应该在决定再融资之前考虑所有费用，以使交易对您有利。
What Are the Cons of Debt Refinancing?
1。对您的信用评分的负面影响
当您获得再融资债务时，与您一起工作的贷方将进行艰苦的询问on your credit reports。This may negatively impact your credit rating in the short term. Still, if you’re paying debts on time and in full, the negative impact will be negligible over the long term.
In addition, since refinancing debt means you’re taking out a new loan to replace an existing one, your credit score could take a hit. This is because the average age of your credit will decline.
As you probably already know, low credit scores can cause significant challenges for small business owners. If your business already has poor credit, it might not be worth the risk.
2。It’s Not Right for Everyone
如果您拿出高利率贷款，债务再融资似乎值得，但这并不适合所有人。除了利率外，还必须考虑几种费用和因素。
For example, even if you can get a better rate, you need to evaluate whether the impact on your credit score is worth it. Although saving money is excellent, refinancing one debt may not be worth lowering your credit score. A lower credit score could make it challenging for you to obtain other financing options.
重要的是要记住，债务再融资不是唯一的选择。您可以还清现有贷款，并寻求更适合您公司的其他融资选择。
无论是信用卡，现金升级，信用额度还是来自具有更好条件的贷方的贷款。进行研究并对您追求的融资路线充满信心。
3。Prepayment Penalties on Old Debt
While it might seem counterintuitive if you’re unfamiliar with the world of finance, lenders often don’t want you to repay your loan early. They may increase the loan terms’ prepayment penalties to discourage you from doing so.
If you want to refinance an existing loan, you’ll be paying off your old loan using your new one. Doing that may mean you incur a prepayment penalty which could mitigate the savings you would’ve earned for refinancing.
结论：确保债务融资适合您的业务
即使您有资格，许多贷方即使不符合您的最大利益，也会很乐意为您的贷款再融资。这就是为什么重要的是要记住，在再融资债务之前，要了解交易的财务状况。幸运的是，如果您可以为您的业务支付所有费用和收益，那么该决定应该很简单。
That said, if you’re not a finance expert, it can be challenging to make sure you consider every component. To ensure you completely understand this financing option, here’s everything you should considerbefore pursuing debt refinancing。
Editor’s Note: This post was updated for accuracy and comprehensiveness in July 2022.
Editorial Note:Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved, or otherwise endorsed by any of these entities.
