{"id":17437,"date":"2020-09-01T08:11:47","date_gmt":"2020-09-01T08:11:47","guid":{"rendered":"https:\/\/blog.mergerscorp.com\/?p=17437"},"modified":"2026-02-26T05:03:39","modified_gmt":"2026-02-26T05:03:39","slug":"criacao-de-capital-emprestimos-acoes-e-divida-conversivel","status":"publish","type":"post","link":"https:\/\/blog.mergerscorp.com\/pt-br\/criacao-de-capital-emprestimos-acoes-e-divida-conversivel\/","title":{"rendered":"Cria\u00e7\u00e3o de capital – Empr\u00e9stimos, a\u00e7\u00f5es e d\u00edvida convers\u00edvel"},"content":{"rendered":"

When you need financing for your business, there are basically three options: loans, equity, or convertible debt. What’s best for your company depends on a number of variables: the size of your business, the industry, the urgency of the necessary resources, the stage your company is at, the amount, how you plan to use it, and what your short- and long-term goals are.<\/span><\/span><\/p>\n

You can decide what’s best for you: Loans, Stocks, or Convertible Debt. Below we’ll look at each option, how they work, and their pros and cons:<\/span><\/span><\/p>\n

Loans<\/span><\/span><\/p>\n

Os empr\u00e9stimos s\u00e3o de longe a forma mais comum de obten\u00e7\u00e3o de capital. Eles tamb\u00e9m s\u00e3o os mais simples de entender. Voc\u00ea empresta uma quantia em dinheiro e precisa pag\u00e1-la posteriormente com juros, durante um per\u00edodo de tempo predeterminado. Pode ser de curto ou longo prazo. A d\u00edvida geralmente \u00e9 garantida pelos ativos da empresa, o que torna tudo um pouco mais complicado para empresas sem muitos ativos. O credor precisa de algo concreto que possa tirar de voc\u00ea caso voc\u00ea n\u00e3o consiga pagar sua d\u00edvida. Quanto mais ativos voc\u00ea tiver, maior ser\u00e1 a probabilidade de conseguir emprestar.<\/p>\n

Os poss\u00edveis credores s\u00e3o bancos, empresas de cart\u00e3o de cr\u00e9dito e institui\u00e7\u00f5es financeiras<\/p>\n

Vantagens de um empr\u00e9stimo
\nGeralmente \u00e9 mais r\u00e1pido passar pelo processo de contrair um empr\u00e9stimo do que obter capital de capital pr\u00f3prio
\nContrair um empr\u00e9stimo \u00e9 geralmente mais barato do que financiar atrav\u00e9s de capital, pois o credor empresta dinheiro onde o risco \u00e9 baixo e \u00e9 garantido por ativos.
\nO credor n\u00e3o tem qualquer propriedade na empresa e, portanto, a empresa n\u00e3o responde perante ele em quaisquer decis\u00f5es relativas \u00e0 gest\u00e3o da empresa.
\nDesvantagens de um empr\u00e9stimo
\nSe a empresa n\u00e3o tiver um desempenho t\u00e3o bom quanto o esperado, poder\u00e1 n\u00e3o conseguir pagar o empr\u00e9stimo. Isso deixar\u00e1 a empresa endividada e pode levar a uma espiral descendente
\nManter o pagamento do empr\u00e9stimo em dia pode se tornar um fardo para o neg\u00f3cio
\nUma garantia pessoal pode colocar em risco ativos que est\u00e3o fora do neg\u00f3cio
\nQuando h\u00e1 problemas no reembolso, o credor est\u00e1 preocupado em receber seu dinheiro de volta e n\u00e3o no melhor para o neg\u00f3cio
\nQuando um empr\u00e9stimo \u00e9 uma boa op\u00e7\u00e3o?
\nQuando procura um montante de capital menor, ou seja, menos de 50.000 euros
\nSe voc\u00ea quiser fundos r\u00e1pidos
\nQuando voc\u00ea est\u00e1 comprando algo concreto, como um equipamento novo. Neste caso, fornece os activos que podem ser utilizados para a d\u00edvida a ser garantida contra
\nSe voc\u00ea n\u00e3o pode ou n\u00e3o quer seguir o caminho do patrim\u00f4nio l\u00edquido e deseja manter a propriedade e o controle<\/p>\n

Observe tamb\u00e9m que vale a pena considerar o cr\u00e9dito como outra op\u00e7\u00e3o. Isso tem a vantagem de ser muito mais r\u00e1pido do que o processo de obten\u00e7\u00e3o de um empr\u00e9stimo. No entanto, pode estar vinculado ao seu cr\u00e9dito pessoal e trazer algum risco pessoal para a equa\u00e7\u00e3o. Tamb\u00e9m n\u00e3o funcionaria se voc\u00ea n\u00e3o tivesse um bom hist\u00f3rico e um n\u00edvel de cr\u00e9dito ruim.<\/p>\n

Equidade<\/p>\n

Equity is when an investor puts money into a company in exchange for a partial stake in the company. An evaluation of the company is done from the outset, and the amount of ownership they obtain in the company will be proportional to the amount of money an investor gives. In this way, the company can finance itself without incurring debt and therefore there is no need to meet repayment schedules. This is a real bonus if the company does not have a stable income.<\/span><\/span><\/p>\n

Only large companies can obtain public capital, so mid-market companies need to resort to private capital. This can be found through business investors or Private Equity Groups (PEGs).<\/span><\/span><\/p>\n

Investors may have varying levels of involvement in a company. Some will finance it without participating in its operations, while others will want a stronger involvement because they want to be sure of a good return. Investments made in a company without some form of security are high-risk, so these investors are definitely looking for a higher return and may, in turn, curb other risks that the company might want to take.<\/span><\/span><\/p>\n

Advantages of Equity Financing: <\/span><\/span>
\nNo scheduled repayments; <\/span><\/span>
\nInvestors share the risk and are therefore on your side and will want to help if the company has problems; <\/span><\/span>
\nInvestors can add value and partner in the business; <\/span><\/span>
\nFacilitates the transition out of the business; <\/span><\/span>
\nIt’s an option even if the company doesn’t have many assets; <\/span><\/span>
\nLower risk than a loan. <\/span><\/span>
\nDisadvantages of Equity <\/span><\/span>
\nFinancing: Loss of control in managing the company; <\/span><\/span>
\nGenerally more expensive than a loan; <\/span><\/span>
\nCan take much longer to obtain than a loan; <\/span><\/span>
\nCan be complex and there is a danger of the valuation being calculated incorrectly; <\/span><\/span>
\nThis restricts your options, investors will want to see your company grow; <\/span><\/span>
\nCan be difficult to obtain. <\/span><\/span>
\nWhen is equity a good option? <\/span><\/span>
\nIf the investment needs to be long-term, for example, some companies simply need a lot of time to grow before they start to profit; <\/span><\/span>
\nWhen you don’t have many assets; <\/span><\/span>
\nIf it’s impossible to start the company from small beginnings; <\/span><\/span>
\nAt the point where you are ready for significant growth and to reach a higher level in your business.<\/span><\/span><\/p>\n

Be aware, whatever you do, that giving up assets only happens once and you can’t go back. Therefore, make sure you are satisfied with the investors you choose and are prepared to relinquish part of your company to move forward.<\/span><\/span><\/p>\n

Convertible Debt<\/span><\/span><\/p>\n

Convertible debt is a mix of loan and equity, where money is borrowed and the loan is secured by a stake in the company, not a tangible asset. Often the loan can be converted in the next funding round. There are many variations of this formula and it can be quite a complex business. However, given the flexibility, this can be a very good option in many different situations.<\/span><\/span><\/p>\n

Convertible debt is useful for high-risk companies or those navigating turbulent waters. It can also be a useful financing option for start-ups when it’s too early to determine the value of the business, or when the company is likely to experience exorbitant growth soon and can therefore protect its capital.<\/span><\/span><\/p>\n

In short<\/span><\/span><\/p>\n

There are 3 main options for financing a company: loans, equity, or convertible debt. Each has its advantages and disadvantages. In any case, you need to look at the trade-offs between them and be ready to explain to investors your rationale for following the path you have chosen. The more you know about your options, the better positioned you will be to make the right decision. Most importantly, your business needs to show that it will be able to obtain a return on financing secured by assets or business growth.<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

When you need financing for your business, there are basically three options: loans, equity, or convertible debt. What’s best for your company depends on a number of variables: the size of your business, the industry, the urgency of the necessary resources, the stage your company is at, the amount, how you plan to use it, […]<\/p>\n","protected":false},"author":8,"featured_media":8853,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[737],"tags":[],"class_list":{"0":"post-17437","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-fusoes-e-aquisicoes-de-negocios"},"yoast_head":"\nEmpr\u00e9stimos, capital pr\u00f3prio ou d\u00edvida convers\u00edvel | MergersCorp M&A International<\/title>\n<meta name=\"description\" content=\"Quando voc\u00ea precisa de financiamento para o seu neg\u00f3cio, existem basicamente tr\u00eas op\u00e7\u00f5es: Empr\u00e9stimos, Capital Pr\u00f3prio ou D\u00edvida Convers\u00edvel.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.mergerscorp.com\/pt-br\/criacao-de-capital-emprestimos-acoes-e-divida-conversivel\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cria\u00e7\u00e3o de capital - Empr\u00e9stimos, a\u00e7\u00f5es e d\u00edvida convers\u00edvel\" \/>\n<meta property=\"og:description\" content=\"Quando voc\u00ea precisa de financiamento para o seu neg\u00f3cio, existem basicamente tr\u00eas op\u00e7\u00f5es: Empr\u00e9stimos, Capital Pr\u00f3prio ou D\u00edvida Convers\u00edvel.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/blog.mergerscorp.com\/pt-br\/criacao-de-capital-emprestimos-acoes-e-divida-conversivel\/\" \/>\n<meta property=\"og:site_name\" content=\"MergersCorp M&A International | Investment Banking\" \/>\n<meta property=\"article:published_time\" content=\"2020-09-01T08:11:47+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-26T05:03:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/blog.mergerscorp.com\/wp-content\/uploads\/2020\/05\/finance-4858797_1280.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"845\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Robert G. 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