Empreendedor: Como sair do vermelho?
1. Defina como está sua situação hoje
O primeiro passo para sair do vermelho é entender como está sua situação. Sabendo onde você está, é possível estabelecer onde você quer chegar. Muitos empreendedores ficam esperando o momento certo para aclarar o que está acontecendo na empresa, procrastinando esse controle financeiro. Pare e veja tudo que você já contraiu de dívida. Feito isso, você consegue estabelecer uma estratégia para sair do buraco.
2. Renegocie dívidas
Agora que você já sabe quais são suas dívidas, é hora de partir para a negociação. Com uma simples conversa, é possível estender o prazo de pagamento ou abaixar o valor diante de uma entrada imediata, por exemplo. Fornecedores costumam ser mais compreensivos do que os bancos e o governo nesse sentido. Em uma situação de crise financeira, o empreendedor não pode se acanhar em pedir mais tempo para obter recursos.
É importante priorizar suas piores dívidas na hora de fazer pagamentos, ou seja, aquelas em que incidem juros altos. Esse também é o momento de calcular se tomar um empréstimo com juros menores para pagar essa dívida de juros altíssimos é mais favorável ou não.
3. Faça uma análise do que pode ser cortado
O próximo passo é olhar com calma todos os custos fixos que sua empresa possui – como o aluguel, a internet e o contador da empresa. Nesse caso, a solução é tentar renegociar os contratos, como explicado na dica anterior, ou realizar a troca por fornecedores com maior custo-benefício.
Muitas vezes, o empreendedor escolhe o fornecedor mais conveniente, sem pesquisar muito. Sem comparação, há apenas um orçamento e ele pode perder com isso. A troca pode até modernizar seu negócio, se o contrato anterior estava atrelado a algum serviço mais obsoleto.
Os custos variáveis já costumam ser diminuídos também com a queda das vendas – como os gastos com matéria-prima, por exemplo. Lembre-se de não cortar investimentos que tragam resultados, por exemplo, uma propaganda bem-sucedida ou um incentivo aos funcionários que traga mais produtividade..
4. Separe o pessoal do empresarial
Esse é um erro que muitos empreendedores ainda cometem: quando as contas de casa apertam, as reservas do negócio são esvaziadas para pagar essas dívidas pessoais. Porém, ao retirar do montante da sua própria empresa, você está prejudicando as possibilidades de ganhar mais e sair do vermelho de forma sustentável.
5. Foque, todos os dias, no seu fluxo de caixa
Você sabe o que é um fluxo de caixa? Pois deveria: Ele é uma tabela que apresenta uma somatória dos seus ganhos e gastos em um certo período de tempo. Quando você usa seu fluxo de caixa e registra o que tem a pagar, você antecipa períodos de dificuldade.
Registrando uma despesa que deverá ser quitada daqui a dois meses, por exemplo, você já antecipa um saldo negativo no futuro. Assim, já pensa em estratégias para cobrir o gasto e não cair em dívidas. A manutenção do caixa da empresa deve ser um trabalho contínuo. Para fazer isso, é só anotar. Pode até mesmo ser no papel.
6. Tenha um sistema de gestão
Parece complicado olhar para tudo isso? Profissionalizar o cuidado com as contas da sua empresa permite que você tenha documentadas partes importantes do negócio, sem o trabalho braçal de completar um papel ou uma tabela do Excel. Essa é uma opção especialmente para os negócios maiores, onde o trabalho de computação é ainda maior.
Seja por um sistema ou por uma solução mais simples, ter tudo registrado vale a pena: quando esse cadastro não existe, é muito difícil ver a situação real do empreendimento. O empreendedor não consegue ver qual o tamanho do seu lucro ou do seu prejuízo. Sem isso, não tem como desenvolver um plano de ação.
Registrar tudo é uma garantia que você não desconhecerá suas finanças novamente em um futuro próximo.
7. Faça parcerias estratégicas
O ditado “a união faz a força” é uma verdade quando se trata de formar alianças estratégicas para épocas de vacas magras. É interessante negociar com empresas que ofereçam um serviço complementar ao seu, elaborando pacotes mais completos ao cliente por um custo menor.
Por exemplo, um designer e um desenvolver podem oferecer um site completo ao cliente e isso sairia mais barato do que contratar os serviços separadamente.
O ponto positivo? Isso gera mais vendas: quem antes não podia fazer sites por conta do preço passará a fazer, além de você ter acesso à carteira de clientes que seu parceiro já possuía e poder oferecer seus serviços no futuro. Dessa forma, você sai do vermelho não cortando gastos, e sim gerando mais acordos.
Fonte: Exame
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