{"id":54136,"date":"2026-04-03T11:45:32","date_gmt":"2026-04-03T11:45:32","guid":{"rendered":"https:\/\/certifeka-edu.com\/programs\/finance-for-strategic-managers-accounting-module-2\/lessons\/lesson-3-classification-according-to-source-of-generation-external-sources-of-finance-3-2\/"},"modified":"2026-04-03T11:45:32","modified_gmt":"2026-04-03T11:45:32","slug":"lesson-3-classification-according-to-source-of-generation-external-sources-of-finance-3-2","status":"publish","type":"lesson","link":"https:\/\/certifeka-edu.com\/ar\/programs\/executive-financial-analysis-module-ucam-university\/lessons\/lesson-3-classification-according-to-source-of-generation-external-sources-of-finance-3-2\/","title":{"rendered":"Lesson 3: Classification According to source of Generation- External Sources of finance"},"content":{"rendered":"

\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

Lesson 3: Sources Of Finance Identification and Suitability<\/h2>\n

Classification According to source of Generation<\/h3>\n

In this classification will discuss the 2 sources of Generation and their advantages & disadvantages.<\/h5>\n
External Sources of finance it is the capital generated from outside the business.<\/h5>\n
\n\n\t\t\t\t\t Family and friends
\n\t\t\t<\/path><\/svg>
\n\t\t\t<\/path><\/svg>
\n\t\t\t\t\t\t<\/summary>\n

\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

businesses can obtain a loan or be given money from family or friends that may not need to be paid back or are paid back with little or no interest charges.<\/h5>\n

\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

Advantage:<\/h5>\n
    \n
  • \n\t\t\t\t\t\t\t<\/path><\/svg>
    \n\t\t\t\t\t\t\t\t\t\tLow Interest\n\t\t\t\t\t\t\t\t\t<\/li>\n
  • \n\t\t\t\t\t\t\t<\/path><\/svg>
    \n\t\t\t\t\t\t\t\t\t\tMoney may not need to be paid back\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n

    \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

    Disadvantage<\/h5>\n
      \n
    • \n\t\t\t\t\t\t\t<\/path><\/svg>
      \n\t\t\t\t\t\t\t\t\t\tMoney may be lost if the business fails\n\t\t\t\t\t\t\t\t\t<\/li>\n
    • \n\t\t\t\t\t\t\t<\/path><\/svg>
      \n\t\t\t\t\t\t\t\t\t\tArguments may occur between family members\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n<\/details>\n
      \n\n\t\t\t\t\t Bank loan
      \n\t\t\t<\/path><\/svg>
      \n\t\t\t<\/path><\/svg>
      \n\t\t\t\t\t\t<\/summary>\n

      \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

      is money borrowed from a bank by an individual or business. A bank loan is paid off with interest over an agreed period of time, often over several years.<\/h5>\n

      \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

      Advantage:<\/h5>\n
        \n
      • \n\t\t\t\t\t\t\t<\/path><\/svg>
        \n\t\t\t\t\t\t\t\t\t\tEasy and quick to access\n\t\t\t\t\t\t\t\t\t<\/li>\n
      • \n\t\t\t\t\t\t\t<\/path><\/svg>
        \n\t\t\t\t\t\t\t\t\t\tCan get a significant amount of money at one time\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n

        \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

        Disadvantage<\/h5>\n
          \n
        • \n\t\t\t\t\t\t\t<\/path><\/svg>
          \n\t\t\t\t\t\t\t\t\t\tHave to pay interest\n\t\t\t\t\t\t\t\t\t<\/li>\n
        • \n\t\t\t\t\t\t\t<\/path><\/svg>
          \n\t\t\t\t\t\t\t\t\t\tDifficult for a new business to access\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n<\/details>\n
          \n\n\t\t\t\t\t Overdrafts
          \n\t\t\t<\/path><\/svg>
          \n\t\t\t<\/path><\/svg>
          \n\t\t\t\t\t\t<\/summary>\n

          \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

          are where a business or person uses more money than they have in a bank account.<\/h5>\n
          This means the balance is in minus figures, so the bank is owed money.<\/h5>\n
          Overdrafts should be used carefully and only in emergencies as they can become expensive due to the high interest rates charged by banks.<\/h5>\n

          \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

          Advantage:<\/h5>\n
            \n
          • \n\t\t\t\t\t\t\t<\/path><\/svg>
            \n\t\t\t\t\t\t\t\t\t\tQuick Access\n\t\t\t\t\t\t\t\t\t<\/li>\n
          • \n\t\t\t\t\t\t\t<\/path><\/svg>
            \n\t\t\t\t\t\t\t\t\t\tAllow emergency purchases\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n

            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

            Disadvantage<\/h5>\n
              \n
            • \n\t\t\t\t\t\t\t<\/path><\/svg>
              \n\t\t\t\t\t\t\t\t\t\tHight interest rate\n\t\t\t\t\t\t\t\t\t<\/li>\n
            • \n\t\t\t\t\t\t\t<\/path><\/svg>
              \n\t\t\t\t\t\t\t\t\t\tIs only a short term solution\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n<\/details>\n
              \n\n\t\t\t\t\t Venture capital
              \n\t\t\t<\/path><\/svg>
              \n\t\t\t<\/path><\/svg>
              \n\t\t\t\t\t\t<\/summary>\n

              \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

              refers to an individual or group that is willing to invest money into a new or growing business in exchange for an agreed share of the profits.<\/h5>\n
              The venture capitalist will want a return on their investment as well as input into how the business is run.<\/h5>\n

              \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

              Advantage:<\/h5>\n
                \n
              • \n\t\t\t\t\t\t\t<\/path><\/svg>
                \n\t\t\t\t\t\t\t\t\t\tGain money quickly\n\t\t\t\t\t\t\t\t\t<\/li>\n
              • \n\t\t\t\t\t\t\t<\/path><\/svg>
                \n\t\t\t\t\t\t\t\t\t\tPotential to raise huge amount of money\n\t\t\t\t\t\t\t\t\t<\/li>\n
              • \n\t\t\t\t\t\t\t<\/path><\/svg>
                \n\t\t\t\t\t\t\t\t\t\tThey may offer advice and help\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n

                \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                Disadvantage<\/h5>\n
                  \n
                • \n\t\t\t\t\t\t\t<\/path><\/svg>
                  \n\t\t\t\t\t\t\t\t\t\t Owner must give away part of the business\n\t\t\t\t\t\t\t\t\t<\/li>\n
                • \n\t\t\t\t\t\t\t<\/path><\/svg>
                  \n\t\t\t\t\t\t\t\t\t\tThey may have a different vision for the business than the owner does\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n<\/details>\n
                  \n\n\t\t\t\t\t New partners
                  \n\t\t\t<\/path><\/svg>
                  \n\t\t\t<\/path><\/svg>
                  \n\t\t\t\t\t\t<\/summary>\n

                  \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                  is when an additional person or people are brought into the business as a new business partner.<\/h5>\n
                  This means they would provide money to then own part of the business<\/h5>\n

                  \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                  Advantage:<\/h5>\n
                    \n
                  • \n\t\t\t\t\t\t\t<\/path><\/svg>
                    \n\t\t\t\t\t\t\t\t\t\t Easy way to gain money\n\t\t\t\t\t\t\t\t\t<\/li>\n
                  • \n\t\t\t\t\t\t\t<\/path><\/svg>
                    \n\t\t\t\t\t\t\t\t\t\tPotential to raise huge amount of money\n\t\t\t\t\t\t\t\t\t<\/li>\n
                  • \n\t\t\t\t\t\t\t<\/path><\/svg>
                    \n\t\t\t\t\t\t\t\t\t\tThey may offer advice and help\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n

                    \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                    Disadvantage<\/h5>\n
                      \n
                    • \n\t\t\t\t\t\t\t<\/path><\/svg>
                      \n\t\t\t\t\t\t\t\t\t\tOwner must give away part of the business\n\t\t\t\t\t\t\t\t\t<\/li>\n
                    • \n\t\t\t\t\t\t\t<\/path><\/svg>
                      \n\t\t\t\t\t\t\t\t\t\tThey may have a different vision for the business than the owner does\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n<\/details>\n
                      \n\n\t\t\t\t\t Share issue
                      \n\t\t\t<\/path><\/svg>
                      \n\t\t\t<\/path><\/svg>
                      \n\t\t\t\t\t\t<\/summary>\n

                      \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                      a business may sell more of their ordinary shares to raise money.<\/h5>\n
                      Buying shares gives the buyer part ownership of the business and therefore certain rights, such as the right to vote on changes to the business.<\/h5>\n

                      \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                      Advantage:<\/h5>\n
                        \n
                      • \n\t\t\t\t\t\t\t<\/path><\/svg>
                        \n\t\t\t\t\t\t\t\t\t\tCan gain lots of money quickly\n\t\t\t\t\t\t\t\t\t<\/li>\n
                      • \n\t\t\t\t\t\t\t<\/path><\/svg>
                        \n\t\t\t\t\t\t\t\t\t\tNo interest payable\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n

                        \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                        Disadvantage<\/h5>\n
                          \n
                        • \n\t\t\t\t\t\t\t<\/path><\/svg>
                          \n\t\t\t\t\t\t\t\t\t\tGive away part of the business\n\t\t\t\t\t\t\t\t\t<\/li>\n
                        • \n\t\t\t\t\t\t\t<\/path><\/svg>
                          \n\t\t\t\t\t\t\t\t\t\t Leaves a business open to takeovers\n\t\t\t\t\t\t\t\t\t<\/li>\n
                        • \n\t\t\t\t\t\t\t<\/path><\/svg>
                          \n\t\t\t\t\t\t\t\t\t\t Shareholders receive dividends\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n<\/details>\n
                          \n\n\t\t\t\t\t Trade credit
                          \n\t\t\t<\/path><\/svg>
                          \n\t\t\t<\/path><\/svg>
                          \n\t\t\t\t\t\t<\/summary>\n

                          \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                          must be agreed with a supplier and forms a credit agreement with them.<\/h5>\n
                          This source of finance allows a business to obtain raw materials and stock but pay for them at a later date.<\/h5>\n
                          The payment is usually made once the business has had an opportunity to convert the raw materials and stock into products, sell them to its own customers, and receive payment.<\/h5>\n

                          \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                          Advantage:<\/h5>\n
                            \n
                          • \n\t\t\t\t\t\t\t<\/path><\/svg>
                            \n\t\t\t\t\t\t\t\t\t\tAccess to supplies without immediate payment\n\t\t\t\t\t\t\t\t\t<\/li>\n
                          • \n\t\t\t\t\t\t\t<\/path><\/svg>
                            \n\t\t\t\t\t\t\t\t\t\tNo interest\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n

                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                            Disadvantage<\/h5>\n
                              \n
                            • \n\t\t\t\t\t\t\t<\/path><\/svg>
                              \n\t\t\t\t\t\t\t\t\t\t Short term, must be paid off quickly\n\t\t\t\t\t\t\t\t\t<\/li>\n
                            • \n\t\t\t\t\t\t\t<\/path><\/svg>
                              \n\t\t\t\t\t\t\t\t\t\t Usually, small amounts\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n<\/details>\n
                              \n\n\t\t\t\t\t Leasing
                              \n\t\t\t<\/path><\/svg>
                              \n\t\t\t<\/path><\/svg>
                              \n\t\t\t\t\t\t<\/summary>\n

                              \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                              is a way of renting an asset that the business requires, such as a coffee machine.<\/h5>\n
                              Monthly payments are made and the leasing company is responsible for the provision and upkeep of the leased item.<\/h5>\n

                              \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                              Advantage:<\/h5>\n
                                \n
                              • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                \n\t\t\t\t\t\t\t\t\t\tNo large upfront payments\n\t\t\t\t\t\t\t\t\t<\/li>\n
                              • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                \n\t\t\t\t\t\t\t\t\t\tLeasing company may be responsible for repairs and maintenance.\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n

                                \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                Disadvantage<\/h5>\n
                                  \n
                                • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                  \n\t\t\t\t\t\t\t\t\t\tOvertime it can be more expensive way to obtain assets\n\t\t\t\t\t\t\t\t\t<\/li>\n
                                • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                  \n\t\t\t\t\t\t\t\t\t\tAssets aren’t owned by the business.\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n<\/details>\n
                                  \n\n\t\t\t\t\t Hire purchase
                                  \n\t\t\t<\/path><\/svg>
                                  \n\t\t\t<\/path><\/svg>
                                  \n\t\t\t\t\t\t<\/summary>\n

                                  \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                  is used to purchase an asset, such as a delivery van or piece of equipment.<\/h5>\n
                                  A deposit is paid and the remaining amount for the asset is paid in monthly instalments over a set period of time.<\/h5>\n
                                  The business does not own the item until all payments are made.<\/h5>\n

                                  \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                  Advantage:<\/h5>\n
                                    \n
                                  • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                    \n\t\t\t\t\t\t\t\t\t\tExpensive assets can be Purchase and paid back over time.\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n

                                    \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                    Disadvantage<\/h5>\n
                                      \n
                                    • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                      \n\t\t\t\t\t\t\t\t\t\tInterest is charged on hire Purchase items.\n\t\t\t\t\t\t\t\t\t<\/li>\n
                                    • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                      \n\t\t\t\t\t\t\t\t\t\tEquipment is not owned until the final payment is made\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n<\/details>\n
                                      \n\n\t\t\t\t\t Government grants
                                      \n\t\t\t<\/path><\/svg>
                                      \n\t\t\t<\/path><\/svg>
                                      \n\t\t\t\t\t\t<\/summary>\n

                                      \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                      are a fixed amount of money awarded by the government.<\/h5>\n
                                      Grants are given to a business on the condition that they meet certain criteria such as providing jobs in areas of high unemployment.<\/h5>\n
                                      These do not usually need to be paid back.<\/h5>\n

                                      \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                      Advantage:<\/h5>\n
                                        \n
                                      • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                        \n\t\t\t\t\t\t\t\t\t\tDoes not need to be paid back.\n\t\t\t\t\t\t\t\t\t<\/li>\n
                                      • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                        \n\t\t\t\t\t\t\t\t\t\tAvailable to small businesses.\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n

                                        \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                        Disadvantage<\/h5>\n
                                          \n
                                        • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                          \n\t\t\t\t\t\t\t\t\t\t Business needs to meet certain\n\t\t\t\t\t\t\t\t\t<\/li>\n
                                        • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                          \n\t\t\t\t\t\t\t\t\t\t It is time-consuming to apply for grants and to complete the paperwork.\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n<\/details>\n

                                          \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                          businesses can obtain a loan or be given money from family or friends that may not need to be paid back or are paid back with little or no interest charges.<\/h5>\n

                                          \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                          Advantage:<\/h5>\n
                                            \n
                                          • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                            \n\t\t\t\t\t\t\t\t\t\tLow Interest\n\t\t\t\t\t\t\t\t\t<\/li>\n
                                          • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                            \n\t\t\t\t\t\t\t\t\t\tMoney may not need to be paid back\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n

                                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                            Disadvantage<\/h5>\n
                                              \n
                                            • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                              \n\t\t\t\t\t\t\t\t\t\tMoney may be lost if the business fails\n\t\t\t\t\t\t\t\t\t<\/li>\n
                                            • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                              \n\t\t\t\t\t\t\t\t\t\tArguments may occur between family members\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n

                                              \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                              is money borrowed from a bank by an individual or business. A bank loan is paid off with interest over an agreed period of time, often over several years.<\/h5>\n

                                              \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                              Advantage:<\/h5>\n
                                                \n
                                              • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                \n\t\t\t\t\t\t\t\t\t\tEasy and quick to access\n\t\t\t\t\t\t\t\t\t<\/li>\n
                                              • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                \n\t\t\t\t\t\t\t\t\t\tCan get a significant amount of money at one time\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n

                                                \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                                Disadvantage<\/h5>\n
                                                  \n
                                                • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                  \n\t\t\t\t\t\t\t\t\t\tHave to pay interest\n\t\t\t\t\t\t\t\t\t<\/li>\n
                                                • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                  \n\t\t\t\t\t\t\t\t\t\tDifficult for a new business to access\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n

                                                  \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                                  are where a business or person uses more money than they have in a bank account.<\/h5>\n
                                                  This means the balance is in minus figures, so the bank is owed money.<\/h5>\n
                                                  Overdrafts should be used carefully and only in emergencies as they can become expensive due to the high interest rates charged by banks.<\/h5>\n

                                                  \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                                  Advantage:<\/h5>\n
                                                    \n
                                                  • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                    \n\t\t\t\t\t\t\t\t\t\tQuick Access\n\t\t\t\t\t\t\t\t\t<\/li>\n
                                                  • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                    \n\t\t\t\t\t\t\t\t\t\tAllow emergency purchases\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n

                                                    \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                                    Disadvantage<\/h5>\n
                                                      \n
                                                    • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                      \n\t\t\t\t\t\t\t\t\t\tHight interest rate\n\t\t\t\t\t\t\t\t\t<\/li>\n
                                                    • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                      \n\t\t\t\t\t\t\t\t\t\tIs only a short term solution\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n

                                                      \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                                      refers to an individual or group that is willing to invest money into a new or growing business in exchange for an agreed share of the profits.<\/h5>\n
                                                      The venture capitalist will want a return on their investment as well as input into how the business is run.<\/h5>\n

                                                      \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                                      Advantage:<\/h5>\n
                                                        \n
                                                      • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                        \n\t\t\t\t\t\t\t\t\t\tGain money quickly\n\t\t\t\t\t\t\t\t\t<\/li>\n
                                                      • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                        \n\t\t\t\t\t\t\t\t\t\tPotential to raise huge amount of money\n\t\t\t\t\t\t\t\t\t<\/li>\n
                                                      • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                        \n\t\t\t\t\t\t\t\t\t\tThey may offer advice and help\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n

                                                        \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                                        Disadvantage<\/h5>\n
                                                          \n
                                                        • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                          \n\t\t\t\t\t\t\t\t\t\t Owner must give away part of the business\n\t\t\t\t\t\t\t\t\t<\/li>\n
                                                        • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                          \n\t\t\t\t\t\t\t\t\t\tThey may have a different vision for the business than the owner does\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n

                                                          \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                                          is when an additional person or people are brought into the business as a new business partner.<\/h5>\n
                                                          This means they would provide money to then own part of the business<\/h5>\n

                                                          \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                                          Advantage:<\/h5>\n
                                                            \n
                                                          • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                            \n\t\t\t\t\t\t\t\t\t\t Easy way to gain money\n\t\t\t\t\t\t\t\t\t<\/li>\n
                                                          • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                            \n\t\t\t\t\t\t\t\t\t\tPotential to raise huge amount of money\n\t\t\t\t\t\t\t\t\t<\/li>\n
                                                          • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                            \n\t\t\t\t\t\t\t\t\t\tThey may offer advice and help\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n

                                                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                                            Disadvantage<\/h5>\n
                                                              \n
                                                            • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                              \n\t\t\t\t\t\t\t\t\t\tOwner must give away part of the business\n\t\t\t\t\t\t\t\t\t<\/li>\n
                                                            • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                              \n\t\t\t\t\t\t\t\t\t\tThey may have a different vision for the business than the owner does\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n

                                                              \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                                              a business may sell more of their ordinary shares to raise money.<\/h5>\n
                                                              Buying shares gives the buyer part ownership of the business and therefore certain rights, such as the right to vote on changes to the business.<\/h5>\n

                                                              \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                                              Advantage:<\/h5>\n
                                                                \n
                                                              • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                                \n\t\t\t\t\t\t\t\t\t\tCan gain lots of money quickly\n\t\t\t\t\t\t\t\t\t<\/li>\n
                                                              • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                                \n\t\t\t\t\t\t\t\t\t\tNo interest payable\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n

                                                                \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                                                Disadvantage<\/h5>\n
                                                                  \n
                                                                • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                                  \n\t\t\t\t\t\t\t\t\t\tGive away part of the business\n\t\t\t\t\t\t\t\t\t<\/li>\n
                                                                • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                                  \n\t\t\t\t\t\t\t\t\t\t Leaves a business open to takeovers\n\t\t\t\t\t\t\t\t\t<\/li>\n
                                                                • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                                  \n\t\t\t\t\t\t\t\t\t\t Shareholders receive dividends\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n

                                                                  \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                                                  must be agreed with a supplier and forms a credit agreement with them.<\/h5>\n
                                                                  This source of finance allows a business to obtain raw materials and stock but pay for them at a later date.<\/h5>\n
                                                                  The payment is usually made once the business has had an opportunity to convert the raw materials and stock into products, sell them to its own customers, and receive payment.<\/h5>\n

                                                                  \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                                                  Advantage:<\/h5>\n
                                                                    \n
                                                                  • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                                    \n\t\t\t\t\t\t\t\t\t\tAccess to supplies without immediate payment\n\t\t\t\t\t\t\t\t\t<\/li>\n
                                                                  • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                                    \n\t\t\t\t\t\t\t\t\t\tNo interest\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n

                                                                    \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                                                    Disadvantage<\/h5>\n
                                                                      \n
                                                                    • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                                      \n\t\t\t\t\t\t\t\t\t\t Short term, must be paid off quickly\n\t\t\t\t\t\t\t\t\t<\/li>\n
                                                                    • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                                      \n\t\t\t\t\t\t\t\t\t\t Usually, small amounts\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n

                                                                      \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                                                      is a way of renting an asset that the business requires, such as a coffee machine.<\/h5>\n
                                                                      Monthly payments are made and the leasing company is responsible for the provision and upkeep of the leased item.<\/h5>\n

                                                                      \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                                                      Advantage:<\/h5>\n
                                                                        \n
                                                                      • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                                        \n\t\t\t\t\t\t\t\t\t\tNo large upfront payments\n\t\t\t\t\t\t\t\t\t<\/li>\n
                                                                      • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                                        \n\t\t\t\t\t\t\t\t\t\tLeasing company may be responsible for repairs and maintenance.\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n

                                                                        \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                                                        Disadvantage<\/h5>\n
                                                                          \n
                                                                        • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                                          \n\t\t\t\t\t\t\t\t\t\tOvertime it can be more expensive way to obtain assets\n\t\t\t\t\t\t\t\t\t<\/li>\n
                                                                        • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                                          \n\t\t\t\t\t\t\t\t\t\tAssets aren’t owned by the business.\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n

                                                                          \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                                                          is used to purchase an asset, such as a delivery van or piece of equipment.<\/h5>\n
                                                                          A deposit is paid and the remaining amount for the asset is paid in monthly instalments over a set period of time.<\/h5>\n
                                                                          The business does not own the item until all payments are made.<\/h5>\n

                                                                          \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                                                          Advantage:<\/h5>\n
                                                                            \n
                                                                          • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                                            \n\t\t\t\t\t\t\t\t\t\tExpensive assets can be Purchase and paid back over time.\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n

                                                                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                                                            Disadvantage<\/h5>\n
                                                                              \n
                                                                            • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                                              \n\t\t\t\t\t\t\t\t\t\tInterest is charged on hire Purchase items.\n\t\t\t\t\t\t\t\t\t<\/li>\n
                                                                            • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                                              \n\t\t\t\t\t\t\t\t\t\tEquipment is not owned until the final payment is made\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n

                                                                              \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                                                              are a fixed amount of money awarded by the government.<\/h5>\n
                                                                              Grants are given to a business on the condition that they meet certain criteria such as providing jobs in areas of high unemployment.<\/h5>\n
                                                                              These do not usually need to be paid back.<\/h5>\n

                                                                              \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                                                              Advantage:<\/h5>\n
                                                                                \n
                                                                              • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                                                \n\t\t\t\t\t\t\t\t\t\tDoes not need to be paid back.\n\t\t\t\t\t\t\t\t\t<\/li>\n
                                                                              • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                                                \n\t\t\t\t\t\t\t\t\t\tAvailable to small businesses.\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n

                                                                                \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n

                                                                                Disadvantage<\/h5>\n
                                                                                  \n
                                                                                • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                                                  \n\t\t\t\t\t\t\t\t\t\t Business needs to meet certain\n\t\t\t\t\t\t\t\t\t<\/li>\n
                                                                                • \n\t\t\t\t\t\t\t<\/path><\/svg>
                                                                                  \n\t\t\t\t\t\t\t\t\t\t It is time-consuming to apply for grants and to complete the paperwork.\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n

                                                                                  Conclusion<\/h3>\n

                                                                                  Deciding the right source of funds is a crucial business decision taken by top-level finance managers.<\/h5>\n
                                                                                  The usage of the wrong source increases the cost of funds which in turn would have a direct impact on the feasibility of the project under concern.<\/h5>\n
                                                                                  For instance, if fixed assets, which derive benefits after 2 years, are financed through short-term finances will create cash flow mismatch after one year and the manager will again have to look for finances and pay the fee for raising capital again.<\/h5>","protected":false},"comment_status":"open","ping_status":"closed","template":"","class_list":["post-54136","lesson","type-lesson","status-publish","hentry"],"yoast_head":"\nLesson 3: Classification According to source of Generation- External Sources of finance - Certifeka-edu<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/certifeka-edu.com\/ar\/programs\/executive-financial-analysis-module-ucam-university\/lessons\/lesson-3-classification-according-to-source-of-generation-external-sources-of-finance-3-2\/\" \/>\n<meta property=\"og:locale\" content=\"ar_AR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lesson 3: Classification According to source of Generation- External Sources of finance - Certifeka-edu\" \/>\n<meta property=\"og:description\" content=\"Lesson 3: Sources Of Finance Identification and Suitability Classification According to source of Generation In this classification will discuss the 2 sources of Generation and their advantages & disadvantages. 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