Investments & financing
Investing is not spending
The 10,000 CHF fryer wears out over 5 years: each year "consumes" 2,000. That's — the money leaves once, the cost spreads out. Your cash and your profitability live different lives.Equity: your stake
The money you and your partners put in at the start. It's the foundation: it reassures lenders ("they believe in it"), and it's repayable to no one — its strength and its risk.Borrowing, leasing
A loan finances without diluting: you repay principal + interest, every month. rents the equipment instead of buying it — no upfront outflow, but a higher total cost. Two tools, no shame in using them.The funding need
Between the first rent and the first real sales, the cash goes down. The lowest point of that descent is your funding need: the amount you must HAVE to survive until .Going deeper
Capex or direct cost?
Below a certain amount (often ~1,000 CHF), the purchase is booked as a monthly cost rather than a depreciated asset. Simpler, and tax-accepted for small equipment.Interest and repayment
In a loan instalment, only the INTEREST is an expense; the principal repayment gives back what was received. Both leave the cash — only one weighs on the result.Put it into practice on your numbers
This guide continues in the app: the guided path has you build your real financial plan, chapter by chapter. 1-month free trial, no card.