大山俊郎税理士事務所 Company Profile

It is natural to become positive about placing an order when you request a quote for a machining center and are told, "There is a possibility of using subsidies." This has positive implications for management, such as improving processing capabilities, responding to short delivery times, and in-house processing of outsourced work. However, deciding to place an order based solely on the quoted amount and subsidies is risky. Even if you try to review payment terms, loan amounts, allocation of personal funds, and repayment plans after placing the order, it can become difficult to backtrack. It is necessary to confirm the total investment amount, which includes not only the base price but also transportation, installation, tools, jigs, CAD/CAM, and maintenance costs. Furthermore, if you place an order without a forecast for orders received, production plans, operating rates, and gross profit estimates, you may increase equipment capacity without increasing the funds for repayment. What banks look at is not just the performance of the machine but whether profits and cash flow can be generated for monthly repayments. If you proceed without laying out the numbers before placing an order, you could end up in a situation where "the equipment has arrived, but cash flow is tight." In particular, whether you can recover costs solely through in-house processing of existing orders or if you anticipate new orders will significantly change the required operating rate and repayment plan. The materials organize the key points regarding cash flow, repayment plans, and investment recovery that should be confirmed before ordering a machining center.