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Finance is the general term applied to the commercial service of providing funds and capital. It is also a branch of economics that studies the management of money and other assets. This subject is also referred to as a system of administering money used by the private and business sectors. Management of finance has also developed into a specialized branch within the financial sector and is carried out by finance managers.

These managers arrange funds to be lent to individuals or business using their company’s assets where possible and if not sourcing the money elsewhere. The term optimization is used to explain the procedure whereby finance is maximized by reducing costs and increasing the return. Poor finance is the cause of depressed markets caused when managers have not followed the optimization rule which leads to lower production and lower sales globally. The finance manager’s job is to maximize profits while keeping the risk to a minimum so you can understand why there is a high level of stress associated with this work.

The well known management expert Lee Iacocca said of finance managers that they only see the cost of the investment and not the possible return. Finance managers are in direct opposition to sales managers who know that you have to look forward and plan for the future; if you’re preoccupied with what went on in the past you will fail to realize that it is future business that brings in the profits. Unfortunately when you are running a small business, the boundary lines between a personal loan and a business loan can be a little blurred and often the planned arrangement is not used as was not used for its original purpose. When money is lent under these circumstances, lenders feel quite aggrieved as they have lost control of where the money is being invested.

Hopefully by educating the small (and large) business owners of their fiscal responsibilities they may build the basis of an improved company in the future. However, small businesses can finance their needs from other sources like friends or from banks and private lenders. Lenders prefer to use money from elsewhere because it lowers their risk but still allows for a healthy profit to be received by the finance company. A famous quote about banks goes something like; banks are only interested and willing to lend money to those individuals that least need or want it.

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